SBSI · the NYSE · USD · Market cap $976M · 781 employees
Southside Bancshares, Inc.
FAIL · Does not pass the screen
32.82 USD
At the last full screen 2026-08-04
Screened 2026-08-04 · the tape above runs as of 22:12 UTC · 11 Sep · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Southside Bancshares, Inc. holds its Markdown at $32.82. Consolidating, no directional conviction, held for 368 days.
As held on the ledger · 2026-08-04
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 368 days
Price at the screen
$32.82
Valuation
12.87 trailing · 10.13 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.57
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-08-04 screen. The gold marker is the market price at the same screen. A 12.7% margin of safety to the base estimate.
Third-party analyst targets: 3 covering, consensus Hold. The average target sits +7% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-08-04 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Local Bank Clears Numbers But Fails Ethics
Picture a regional lender handling deposits for families and loans for small businesses across Texas towns. Southside Bancshares fits that picture exactly, with revenue up 9 percent and a 30 percent profit margin at a forward multiple of 10 times. Those figures look tidy on paper and sit just above our fair value estimate.
We pass for one clear reason. The ethical screen blocks any bank exposure outright, regardless of the 9 percent margin of safety or the hold-rated analyst target at 37 dollars. Low single-digit ROE of 8 percent would already raise questions about durable returns, yet the screen settles the matter before valuation enters the conversation.
Currency and rate swings can still squeeze margins in this sector, and an unknown moat leaves little protection if competition intensifies. The ethical filter exists precisely to keep these exposures off the table.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
SBSI trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-12Markdown · changed$32.82+0.0%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 23%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (3 analysts) rates it none, with a mean price target of $37.
2026-08-12Markup$32.82-4.7%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 4.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 23%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (3 analysts) rates it none, with a mean price target of $37.
2026-07-18Markup$34.43+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 23%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (3 analysts) rates it none, with a mean price target of $37.
2026-07-03Markup$34.43+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markup$34.43Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
