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Market Price

35.23 

0.45 1.3%

as of Oct 21 '19

52 Week Range:

29.28 35.97


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides a range of financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company's loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, and other installment loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also offers trust services consisting of investment management, administration, and advisory services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. The company operates through 59 branches and 40 motor bank facilities located in and around Arlington, Austin, Bullard, Chandler, Cleburne, Cleveland, Diboll, Euless, Flower Mound, Fort Worth, Frisco, Granbury, Grapevine, Gresham, Gun Barrel City, Hawkins, Hemphill, Irving, Jacksonville, Jasper, Lindale, Longview, Lufkin, Nacogdoches, Palestine, Pineland, San Augustine, Splendora, Tyler, Watauga, Weatherford, and Whitehouse; and a network of 83 automated teller machines, as well as wealth management and trust services, and/or loan production or other financial services offices. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 7.59
9.34
9.98
11.96
12.12
11.26
10.69
16.36
16.15
15.89
22.31
growth rate 23.1% 6.9% 19.8% 1.3% -7.1% -5.1% 53.0% -1.3% -1.6% 40.4%
Earnings BIT 41.95
62.47
52.41
50.89
42.30
46.29
27.67
60.97
74.77
93.20
growth rate 48.9% -16.1% -2.9% -16.9% 9.4% -40.2% 120.3% 22.6% 24.7%
Avg.PE 10.87
6.63
8.41
9.11
10.53
11.89
27.74
15.40
18.95
19.06
15.78
growth rate -39.0% 26.9% 8.3% 15.6% 12.9% 133.3% -44.5% 23.1% 0.6% -17.2%
ROA 1.25
1.55
1.31
1.24
1.06
1.23
0.50
0.88
0.92
0.90
1.17
growth rate 24.0% -15.5% -5.3% -14.5% 16.0% -59.4% 76.0% 4.6% -2.2% 30.0%
ROE 20.96
24.50
18.98
16.54
13.43
15.93
6.08
10.12
10.26
8.54
9.98
growth rate 16.9% -22.5% -12.9% -18.8% 18.6% -61.8% 66.5% 1.4% -16.8% 16.9%
ROIC 8.59
7.46
7.60
7.57
6.38
6.61
3.15
growth rate -13.2% 1.9% -0.4% -15.7% 3.6% -52.3%
Leverage 16.81
14.98
14.00
12.76
12.56
13.28
11.30
11.62
10.74
8.62
8.37
growth rate -10.9% -6.5% -8.9% -1.6% 5.7% -14.9% 2.8% -7.6% -19.7% -2.9%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 19.43
18.94
21.97
22.44
22.70
25.18
28.49
growth rate -2.5% 16.0% 2.1% 1.2% 10.9% 13.1%
Acct.Payable 3,374.42
3,455.41
3,533.08
4,515.45
4,425.03
growth rate 2.4% 2.3% 27.8% -2.0%
Cur.Assets 112.26
117.64
202.87
231.56
166.14
growth rate 4.8% 72.5% 14.2% -28.3%
Total Assets 2,700.20
3,024.30
2,999.60
3,303.82
3,237.40
3,445.66
4,807.26
5,162.00
5,563.77
6,498.10
6,123.49
growth rate 12.0% -0.8% 10.1% -2.0% 6.4% 39.5% 7.4% 7.8% 16.8% -5.8%
Cash 66.80
52.20
79.10
2,091.08
1,849.13
1,933.30
84.66
80.98
169.65
166.49
86.62
growth rate -21.9% 51.5% 2,543.6% -11.6% 4.6% -95.6% -4.4% 109.5% -1.9% -48.0%
Inventory 2.27
0.81
0.39
1.77
1.21
growth rate -64.3% -52.0% 355.4% -31.8%
Cur.Liabilities 3,682.00
4,122.59
3,540.26
4,525.04
4,805.72
growth rate 12.0% -14.1% 27.8% 6.2%
Liabilities 2,539.60
2,822.50
2,785.30
3,044.89
2,979.64
3,186.15
4,382.02
4,717.93
5,045.49
5,743.96
5,392.20
growth rate 11.1% -1.3% 9.3% -2.1% 6.9% 37.5% 7.7% 6.9% 13.8% -6.1%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
660.36
562.51
1,467.98
1,175.85
541.34
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -67.2% -14.8% 161.0% -19.9% -54.0%
Equity 160.60
201.80
214.30
258.93
257.76
259.52
425.24
444.06
518.27
754.14
731.29
growth rate 25.7% 6.2% 20.8% -0.5% 0.7% 63.9% 4.4% 16.7% 45.5% -3.0%
Common Shares 22.00
22.00
22.00
22.00
22.00
21.00
22.00
27.00
27.00
30.00
35.00
growth rate 0.0% 0.0% 0.0% 0.0% -4.6% 4.8% 22.7% 0.0% 11.1% 16.7%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 4.90
6.80
6.90
3.92
3.11
5.66
5.16
3.77
6.55
9.63
13.44
growth rate 38.8% 1.5% -43.3% -20.6% 82.1% -8.8% -27.1% 73.9% 47.1% 39.6%
Cash Dividends 8.30
11.10
13.20
14.67
19.08
16.09
17.92
25.07
25.96
32.20
41.98
growth rate 33.7% 18.9% 11.1% 30.1% -15.7% 11.4% 39.9% 3.6% 24.0% 30.4%
Cash From OA 28.80
24.90
52.60
73.58
69.57
59.51
56.03
72.98
86.73
91.73
122.40
growth rate -13.5% 111.2% 39.9% -5.5% -14.5% -5.8% 30.2% 18.8% 5.8% 33.4%
FCF per Share 1.27
0.84
2.11
2.85
3.08
2.51
3.03
1.98
2.70
3.06
3.09
growth rate -33.9% 151.2% 35.1% 8.1% -18.5% 20.7% -34.7% 36.4% 13.3% 1.0%
Sale Purchase of Stock -3.27
-5.55
-0.35
2.29
1.54
78.96
3.95
growth rate 0.0% 0.0% 100.0% -32.8% 5,040.8% -95.0%
FCF 27.00
18.00
46.00
70.00
66.00
54.00
51.00
69.00
80.00
82.00
109.00
growth rate -33.3% 155.6% 52.2% -5.7% -18.2% -5.6% 35.3% 15.9% 2.5% 32.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 116.10
149.20
136.90
166.36
156.04
154.85
116.37
164.23
169.20
176.77
204.40
growth rate 28.5% -8.2% 21.5% -6.2% -0.8% -24.9% 41.1% 3.0% 4.5% 15.6%
Op.Income 42.10
62.50
51.80
39.13
34.70
41.19
36.87
61.56
63.76
78.51
94.54
growth rate 48.5% -17.1% -24.5% -11.3% 18.7% -10.5% 66.9% 3.6% 23.1% 20.4%
IBT 42.09
62.47
51.81
50.89
42.30
46.29
18.67
51.28
59.67
70.43
84.30
growth rate 48.4% -17.1% -1.8% -16.9% 9.4% -59.7% 174.7% 16.4% 18.0% 19.7%
Net Income 30.70
44.40
39.10
39.13
34.70
41.19
20.83
44.00
49.35
54.31
74.14
growth rate 44.6% -11.9% 0.1% -11.3% 18.7% -49.4% 111.2% 12.2% 10.1% 36.5%
EPS 1.43
2.05
1.81
1.82
1.61
1.94
0.97
1.61
1.81
1.81
2.11
growth rate 43.4% -11.7% 0.6% -11.5% 20.5% -50.0% 66.0% 12.4% 0.0% 16.6%
Gross Profit 116.37
164.23
169.20
176.77
204.40
growth rate 41.1% 3.0% 4.5% 15.6%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 4,508.74
4,553.51
4,425.03
4,567.89
4,479.26
growth rate 1.0% -2.8% 3.2% -1.9%
Cur.Assets 265.77
223.80
166.14
389.95
167.18
growth rate -15.8% -25.8% 134.7% -57.1%
Total Assets 6,250.17
6,105.35
6,123.49
6,217.20
6,372.87
growth rate -2.3% 0.3% 1.5% 2.5%
Cash 232.07
174.07
86.62
269.94
132.52
growth rate -25.0% -50.2% 211.6% -50.9%
Inventory 1.21
1.41
1.21
1.00
1.07
growth rate 17.3% -14.7% -16.8% 6.6%
Cur.Liabilities 4,869.44
4,752.52
4,805.72
5,094.96
5,340.82
growth rate -2.4% 1.1% 6.0% 4.8%
Liabilities 5,498.36
5,352.85
5,392.20
5,459.16
5,585.11
growth rate -2.7% 0.7% 1.2% 2.3%
LT Debt 587.29
561.76
541.34
316.02
185.86
growth rate -4.4% -3.6% -41.6% -41.2%
Equity 751.81
752.51
731.29
758.03
787.77
growth rate 0.1% -2.8% 3.7% 3.9%
Common Shares 47.28
47.29
47.31
47.32
47.33
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 3.14
3.71
4.58
4.04
3.86
growth rate 18.3% 23.5% -11.8% -4.5%
Cash Dividends 10.52
10.53
11.12
10.11
10.45
growth rate 0.2% 5.6% -9.1% 3.4%
Cash From OA 28.87
32.58
19.29
20.47
14.34
growth rate 12.9% -40.8% 6.1% -30.0%
Sale Purchase of Stock 0.65
growth rate
FCF 25.73
28.87
14.71
16.43
10.48
growth rate 12.2% -49.1% 11.7% -36.2%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 52.84
51.46
50.10
51.58
51.88
growth rate -2.6% -2.6% 3.0% 0.6%
Op.Income 26.40
24.65
22.45
23.56
23.75
growth rate -6.7% -8.9% 4.9% 0.8%
IBT 23.56
22.50
19.90
21.95
22.18
growth rate -4.5% -11.5% 10.3% 1.0%
Net Income 20.20
20.30
17.38
18.82
18.61
growth rate 0.5% -14.4% 8.3% -1.1%
EPS
growth rate
Gross Profit 52.84
51.46
50.10
51.58
51.88
growth rate -2.6% -2.6% 3.0% 0.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (72.47)

YOY Growth Grade:

D (39.89)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.17 16.17 14.93
EPS / Growth 1.2% 2.18 2.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 15.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.2% 6.2% 6.2%
Future PE 2.34 14.51 14.51
Future EPS 2.45 3.98 3.98
Value Price
MOS %
1.42
-96.0%
14.27
-59.5%
14.27
-59.5%
MOS Price 0.71 7.14 7.14
IRT 14.73 11.04 11.04

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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