SBSI Southside Bancshares PE ratio, current and historical analysis
The current PE ratio for Southside Bancshares stock as of Jul 18, 2025 is 10.63. This is calculated based on the current EPS of $2.92 and the stock price of $31.04 per share. The current PE ratio is about the same as the last four quarters average.
SBSI PE ratio history
The average historical PE ratio of Southside Bancshares for the last ten years is 14.21. The current P/E ratio of 10.63 is 25% lower than the historical average. In the past ten years, SBSI's PE ratio peaked in the Sep 2015 quarter at 25.86, when the stock price was $25.6 and the EPS was $0.99. The lowest point was in the Jun 2023 quarter, when it reached 7.81 with a price of $26.16 and an EPS of $3.35.
Southside Bancshares PE ratio history chart
Southside Bancshares PE ratio by year
Maximum annual increase: 121.97% in 2014
Maximum annual decrease: -47.44% in 2015
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 10.88 | -2.07% | $31.76 | $2.92 |
| 2023 | 11.11 | 0.91% | $31.32 | $2.82 |
| 2022 | 11.01 | -8.4% | $35.99 | $3.27 |
| 2021 | 12.02 | -4.3% | $41.82 | $3.48 |
| 2020 | 12.56 | -25.28% | $31.03 | $2.47 |
| 2019 | 16.81 | 12.22% | $37.14 | $2.21 |
| 2018 | 14.98 | -19.07% | $31.75 | $2.12 |
| 2017 | 18.51 | -8.32% | $33.68 | $1.82 |
| 2016 | 20.19 | 45.67% | $36.75 | $1.82 |
| 2015 | 13.86 | -47.44% | $22.32 | $1.61 |
| 2014 | 26.37 | 121.97% | $25.58 | $0.97 |
| 2013 | 11.88 | 13.14% | $23.04 | $1.94 |
| 2012 | 10.5 | 15.38% | $16.9 | $1.61 |
| 2011 | 9.1 | 7.44% | $16.56 | $1.82 |
| 2010 | 8.47 | 28.92% | $15.34 | $1.81 |
Southside Bancshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 9.92 | -8.82% | $28.96 | $2.92 |
| Dec 2024 | 10.88 | -9.86% | $31.76 | $2.92 |
| Sep 2024 | 12.07 | 17.64% | $33.43 | $2.77 |
| Jun 2024 | 10.26 | -5.61% | $27.61 | $2.69 |
| Mar 2024 | 10.87 | -2.16% | $29.23 | $2.69 |
| Dec 2023 | 11.11 | 20.37% | $31.32 | $2.82 |
| Sep 2023 | 9.23 | 18.18% | $28.7 | $3.11 |
| Jun 2023 | 7.81 | -21.66% | $26.16 | $3.35 |
| Mar 2023 | 9.97 | -9.45% | $33.2 | $3.33 |
| Dec 2022 | 11.01 | 2.13% | $35.99 | $3.27 |
| Sep 2022 | 10.78 | -3.75% | $35.36 | $3.28 |
| Jun 2022 | 11.2 | -12.23% | $37.42 | $3.34 |
| Mar 2022 | 12.76 | 6.16% | $40.83 | $3.2 |
| Dec 2021 | 12.02 | 9.27% | $41.82 | $3.48 |
| Sep 2021 | 11 | -2.14% | $38.29 | $3.48 |
SBSI Price vs fair value
You can ether set your own Fair P/E multiple or use one of the automatically calculated Fair P/E multiples.
Fair P/E calculation
PE Ratio is an attempt to estimate a fair PE ratio of a stock based on its earnings and growth rate.
This formula is a modified version of the classic Graham-Dodd Formula (V= EPS x (8.5+2g)), originally developed by Benjamin Graham, to calculate the fair price of a stock based on its earnings and growth rate.
The formula we have created is an adaptation of this approach, designed to maintain a balance between simplicity and growth sensitivity.
It is calculated using the following formula:
IF g < 5: Fair PE = b
IF g >= 5: Fair PE = m × g
Here’s what each part of the formula means:
g: Growth is calculated as the average of the three-year average EPS growth rate and the one-year EPS growth rate (annually). This approach provides a balanced measure of growth by factoring in both the long-term growth trend and the most recent annual growth performance. If one of the growth metrics is not available, the remaining metric is used to determine growth. The fair P/E value is capped at 100 to prevent distortions caused by extreme EPS growth rates, such as those resulting from large percentage increases from a low base.
m: This is the long term historical median PEG (Price/Earnings to Growth) ratio of the overall market. It serves as a benchmark, adjusting the Fair PE based on typical market conditions.
b: Base PE (static value set to 8). If the company's growth rate is less than 5, the Fair PE is set at a conservative baseline of 8. This is because declining companies generally deserve a lower PE ratio.
Fixed vs Dynamic
Fixed: The Fair PE ratio for all data points is calculated using a single, constant average EPS growth rate, determined based on the most recent period. This means that the same growth rate is applied to all historical data points. Dynamic: The Fair PE ratio for each historical data point is calculated using the trailing average EPS growth rate specific to that point in time. This means that for each data point, the corresponding trailing EPS growth rate is used, ensuring that the Fair PE ratio reflects the growth conditions that were relevant at that specific point in history.
SBSI average PE ratio chart
Currently, SBSI's PE ratio is higher than its 3-year historical average, but it is lower than the 5 and 10-year averages.
PE vs average
SBSI PE vs peers
In comparison to its peers CFR and PB, SBSI's PE ratio is lower, but it is higher than IBOC's. Southside Bancshares's PE ratio is trading below the peer group average of 15.47.
| Stock name | PE ratio | Market cap |
|---|---|---|
| IBOC International Bancshares Corp | 10.58 | $4.32B |
| SBSI Southside Bancshares Inc | 10.63 | $937.84M |
| BOKF Bok Financial Corp | 12.1 | $6.78B |
| PB Prosperity Bancshares Inc | 14.02 | $7.02B |
| CFR Cullen/Frost Bankers Inc | 15.23 | $8.92B |
| APOG Apogee Enterprises Inc | 17.86 | $903.6M |
| FFIN First Financial Bankshares Inc | 23.04 | $5.34B |
| TCBI Texas Capital Bancshares Inc | 35.47 | $4.11B |
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Frequently asked questions
What is Southside Bancshares's PE ratio?
The price to earnings ratio for SBSI stock as of Jul 18, 2025, stands at 10.63.
What is the 3-year average PE ratio for Southside Bancshares (SBSI)?
As an average over the last 3 years, SBSI stock has a PE ratio of 10.36.
What is the 5-year average PE ratio for Southside Bancshares (SBSI)?
As an average over the last 5 years, SBSI stock has a PE ratio of 10.93.
What is the highest PE ratio for SBSI?
In the last ten years, the Sep 2015 quarter recorded the highest quarterly PE ratio at 25.86.
How does the current PE ratio for SBSI compare to its historical average?
The current price to earnings ratio of SBSI is 25% lower than the 10-year historical average.
How is SBSI's PE ratio calculated (Southside Bancshares PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jul 18, 2025), Southside Bancshares's stock price is $31.04. The earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $2.92. Therefore, Southside Bancshares's PE ratio for today is 10.63. PE RATIO(10.63) = STOCK PRICE($31.04) / TTM EPS($2.92)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.