Southside Bancshares, Inc. cash flow to debt ratio of 12.78% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Southside Bancshares, Inc.'s free cash flow has decreased 18.98% from $90.69M last year to $73.48M, signaling decreasing performance

Southside Bancshares, Inc.'s debt to equity ratio is 1.86, which means that the company's assets are unhealthy financed, signaling financial risk.

Southside Bancshares, Inc.'s debt has increased relative to shareholder equity from 1.20 last year to 1.86 today, signaling weakened financials

Southside Bancshares, Inc. has a net cash position, so leverage is healthy.

Southside Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Southside Bancshares, Inc.'s profit margin has decreased (14.41%) in the last year from 19.40% to 16.61%, signaling decreasing performance

Southside Bancshares, Inc.'s short-term liabilities of $7.28B exceed its short-term assets of $1.69B, signaling financial risk

Southside Bancshares, Inc.'s return on assets of 0.87% is lower than the 5.00% threshold, indicating inefficient asset utilization

Southside Bancshares, Inc.'s return on equity of 8.89%, is lower than 15.00%, indicating bad performance

Southside Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Southside Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Southside Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Southside Bancshares, Inc. has a free cash flow yield of 7.73%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Southside Bancshares, Inc.'s yearly earnings has decreased 21.78% since last year from $88.49M to $69.22M, signaling decreasing performance

Southside Bancshares, Inc.'s yearly revenue has decreased 11.62% since last year from $456.07M to $403.07M, signaling decreasing performance

ROIC 2.93% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Southside Bancshares, Inc.'s 3-year revenue CAGR of 12.56% is positive, indicating growing revenue over the past 3 years

Southside Bancshares, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Southside Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Southside Bancshares, Inc. is overvalued relative to its fair value price of 15.39 based on Discounted Cash Flow model

Southside Bancshares, Inc. has an earnings yield of 7.99%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Southside Bancshares, Inc. is overvalued relative to its fair value price of 7.73 based on EBITDA multiple model

Southside Bancshares, Inc. has an EV/EBITDA ratio of 0.47x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Southside Bancshares, Inc. is undervalued relative to its fair value price of 74.44 based on Earnings Fair Value model

Southside Bancshares, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Southside Bancshares, Inc. has a price-to-book ratio of 1.08x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Southside Bancshares, Inc. has a price-to-sales ratio of 2.08x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue