Southside Bancshares Stock Intrinsic Value – Southside Bancshares SWOT Analysis: A Quick Overview
November 4, 2023
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Southside Bancshares ($NASDAQ:SBSI) Inc. is an American financial holding company that provides banking and financial services to individuals and businesses in various parts of the United States. It is listed on the Nasdaq stock exchange with the ticker symbol SBSI. To explore the strengths, weaknesses, opportunities, and threats posed by Southside Bancshares Inc., a SWOT analysis has been conducted to provide a quick overview of the company. Strengths of Southside Bancshares Inc. include its strong balance sheet, diversified portfolio of assets and services, experienced management team, and well-established presence in many markets. Its balance sheet is highly liquid and features strong capital structure. The company provides a wide range of banking and financial services including retail banking, consumer finance, mortgage lending, corporate banking, asset management and wealth management services. Its management team has extensive experience in the banking industry, giving it a competitive edge in the market. Furthermore, its presence in many markets has enabled it to expand its customer base and generate larger profits. Weaknesses of Southside Bancshares Inc. include its reliance on traditional banking services and products, limited geographic reach, and limited capital resources. Its reliance on traditional banking services has led to a lack of innovation and an inability to keep up with its competitors.
Additionally, its limited geographic reach has limited its ability to expand its customer base into other markets. Lastly, its limited capital resources have limited its ability to invest in new technology or acquire other companies. Opportunities for Southside Bancshares Inc. include expanding into new markets, investing in new technology, and acquiring other companies. Expanding into new markets would allow it to increase its customer base and generate more profits. Investing in new technology would allow it to stay competitive with other banks and keep up with the latest trends. Acquiring other companies would also give it access to their customer base and technology as well as help it expand into newer markets. Threats to Southside Bancshares Inc. include competition from other banks, changes in regulations, economic downturns, and political instability. Competition from other banks could lead to reduced profits as customers switch to other banks with better services. Changes in regulations could also result in increased compliance costs for the company. Economic downturns could affect the company’s profitability due to decreased customer spending. Lastly, political instability could lead to disruptions in operations due to disruptions in the economy or the banking industry as a whole.
Price History
Southside Bancshares Inc. is a financial services holding company that provides a range of financial services for commercial and retail customers. On Monday, the stock opened at $27.4 and closed at $27.3, up by 0.1% from the prior closing price of 27.3. This increase is a reflection of the strength of the company and current market conditions. Conducting a thorough SWOT analysis for Southside Bancshares Inc. provides an insight into the company’s strengths, weaknesses, opportunities and threats. Strengths include a strong customer base, a robust digital banking platform, and a growing portfolio of services. Weaknesses include limited geographic reach and limited access to capital markets.
Opportunities include expansion into new geographies and development of new products and services. Threats include increased competition from larger players and increased regulation of the banking industry. Overall, Southside Bancshares Inc. is in a good position to capitalize on the opportunities available to them in the current market. By leveraging their strengths and addressing their weaknesses, they remain competitive in their industry. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Southside Bancshares. More…
| Total Revenues | Net Income | Net Margin |
| – | 97.04 | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Southside Bancshares. More…
| Operations | Investing | Financing |
| 154.61 | -401.7 | 377.79 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Southside Bancshares. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 7.97k | 7.24k | – |
Key Ratios Snapshot
Some of the financial key ratios for Southside Bancshares are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 6.0% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
Analysis – Southside Bancshares Stock Intrinsic Value
GoodWhale has conducted an analysis on the fundamentals of SOUTHSIDE BANCSHARES. Our proprietary Valuation Line has determined the fair value of SOUTHSIDE BANCSHARES share to be around $40.9. At the time of writing, SOUTHSIDE BANCSHARES stock is trading at $27.3, representing a 33.2% discount from its calculated fair value. This implies an attractive buying opportunity for investors. More…
Peers
As of December 31, 2018, Southside Bancshares Inc operated 108 branches in Virginia, North Carolina, and South Carolina. The Company’s primary competitors are Towne Bank, First Financial Bancorp, Canadian Western Bank, and others.
– Towne Bank ($NASDAQ:TOWN)
Towne Bank is a regional bank headquartered in Virginia. As of December 31, 2016, the company had $7.0 billion in assets, $5.2 billion in loans, and $5.6 billion in deposits. The company operates more than 100 branches in Virginia, North Carolina, and South Carolina. Towne Bank provides a full range of banking services to retail and commercial customers, including checking and savings accounts, loans, credit cards, and investment services.
– First Financial Bancorp ($NASDAQ:FFBC)
First Financial Bancorp has a market cap of 2.33B as of 2022. The company is a bank holding company that operates through its subsidiaries. It offers a range of banking services, including loans and deposits, treasury management, and wealth management.
– Canadian Western Bank ($TSX:CWB)
Canadian Western Bank’s market cap as of 2022 is 2.15B. The company is a leading provider of banking services in Canada. They offer a full range of personal and business banking products and services to meet the needs of their customers. They are committed to providing their customers with the highest level of service and support.
Summary
Southside Bancshares Inc is a financial services company that provides banking, trust and wealth management, mortgage lending, and other services. It is headquartered in Tyler, Texas, and has branches in Texas, Arkansas, Oklahoma, and Louisiana. The company’s Strengths include strong financial performance, a diversified portfolio of products and services, and a customer-centric approach to banking. Weaknesses include its small size, limited geographical reach, and limited access to capital.
Opportunities for Southside include increasing its customer base and expanding its geographic reach. Threats include increased competition from larger banks and other financial services providers.
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