Southside Bancshares, Inc. (SBSI) Fair Value 2026

SBSI · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-08-28, Southside Bancshares, Inc. (SBSI) trades at $31.88, versus a $25.54 median fair value across its 6 active models — 19.9% below the current price. QOC: 7.7/10. Value Trap Risk: 15/100 (SAFE). 6/13 models active.

Key Facts

Ticker
SBSI
Price
$31.88
Quality Score
7.7/10
Value Trap Risk
15/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Southside Bancshares, Inc. (SBSI) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Southside Bancshares, Inc. (SBSI) appears overvalued as of : the median of 6 independent fair value estimates is $25.54, 19.9% below the current price of $31.88. Estimates range from $22.61 to $31.42. SBSI scores 7.7/10 on fundamental quality and 15/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. SBSI’s -19.9% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Southside Bancshares, Inc. Stock in 2026? →

What Fair Value Does Each Model Give SBSI?

6 Intrinsic Value Models vs. Current Price ($31.88)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $31.42 -1.4%
Ensemble · Medium Conviction
 $25.88 -18.8%
Intrinsic · High Conviction
 $22.61 -29.1%
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What Is SBSI's Fair Value Range?

Spread across 6 independent models · $22.61 to $31.42

CirclFi's 6 active models place Southside Bancshares, Inc. (SBSI) between $22.61 and $31.42 per share, a spread of 34% of the median. The median of that range — $25.54 — is the fair value CirclFi publishes for SBSI, against a current price of $31.88.

Low · Markov DDMHigh · EPV
$22.61median $25.54$31.42
Where the range comes from
Most bearish modelMarkov DDM$22.61
Most bullish modelEarnings Power Value (EPV)$31.42
Model agreement0 bullish · 5 bearishtight

The methods largely agree on SBSI. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

Every figure above is one model's standalone output on SBSI, not a CirclFi price target. How each model works →

What Is Southside Bancshares, Inc. (SBSI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Southside Bancshares, Inc.'s intrinsic value is estimated at $25.54, suggesting the stock is overvalued at its current price of $31.88. With 5 out of 6 models flagging downside (-19.9% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About SBSI?

6 of 13 models are currently active for SBSI. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for SBSI is $25.54 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SBSI Rank in Banks - Regional?

Among 352 Banks - Regional stocks, SBSI ranks #244 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Southside Bancshares, Inc. competes in an environment where cost-to-income ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is SBSI a Value Trap?

CirclFi's Value Trap algorithm assigns SBSI a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Southside Bancshares, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Southside Bancshares, Inc. is rated at 7.7/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

Models cluster within a tight range (+27.6% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SBSI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SBSI's 6 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Southside Bancshares, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CFFIC&F Financial CorporationQOC 7.7ASRVAmeriServ Financial, Inc.QOC 7.7PFBXPeoples Financial CorporationQOC 7.7CHMGChemung Financial CorporationQOC 7.6VLYValley National BancorpQOC 7.7PFSBPFS Bancorp, Inc.QOC 7.6OZKBank OZKQOC 6.1BFCBank First CorporationQOC 8.4RNSTRenasant CorporationQOC 8.1STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: CFFI · ASRV · PFBX · CHMG · VLY · PFSB · OZK · BFC · RNST · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to SBSI?

7 companies across all industries closest to SBSI’s Quality of Company score of 7.7/10.

SUNSunoco LPQOC 7.7WATWaters CorporationQOC 7.7NENNew England Realty Associates Limited PartnershipQOC 7.7ASTEAstec Industries, Inc.QOC 7.7BABAAlibaba Group Holding LimitedQOC 7.7GIIIG-III Apparel Group, Ltd.QOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SUN · WAT · NEN · ASTE · BABA · GIII · NVDA

Where Does SBSI Sit in CirclFi's Banks - Regional Rankings?

SBSI is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Southside Bancshares, Inc.’s Valuation?

What is Southside Bancshares, Inc.'s intrinsic value in 2026?

CirclFi puts Southside Bancshares, Inc. (SBSI)'s intrinsic value at $25.54 — the median of 6 independent model estimates as of 2026-08-28, ranging from $22.61 to $31.42. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SBSI overvalued or undervalued right now?

At $31.88, 0 of 6 active models suggest SBSI may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $25.54, 19.9% below the current price of $31.88 — a consensus view that SBSI is overvalued. The assessment depends on which methodology best fits Southside Bancshares, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.7 mean for SBSI?

Southside Bancshares, Inc.'s QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SBSI?

CirclFi analyzes SBSI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SBSI?

Of the 6 models currently active on SBSI, Earnings Power Value (EPV) is the most bullish at $31.42 per share, and Markov DDM is the most bearish at $22.61. CirclFi's published fair value for SBSI is the median of that range, $25.54, not either extreme. The gap between the two ends equals 34% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is SBSI a value trap in 2026?

Southside Bancshares, Inc.'s Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Southside Bancshares, Inc. (SBSI) has a median fair value of $25.54 — 19.9% below the current price of $31.88 — as of 2026-08-28.” Source: circlfi.com/stock/SBSI/ · Methodology
Primary sources for this SBSI valuation
  • Financial statements: Southside Bancshares, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000705432) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for SBSI as of ; valuations recomputed .

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