What is Southside Bancshares Inc worth?
With the base-case assumptions below, a discounted cash flow model on Southside Bancshares Inc's reported free cash flow gives $37.79 per share. The share price was $34.69 on November 10, 2026, 8% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -6.5% | 10.0% | $26.81 | -23% |
| Base | -1.5% | 9.0% | $37.79 | +9% |
| Bull | 3.5% | 8.0% | $59.66 | +72% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $45.47 | $47.76 | $50.55 | $54.04 | $58.53 |
| 8.0% | $39.79 | $41.27 | $43.02 | $45.12 | $47.69 |
| 9.0% | $35.61 | $36.62 | $37.79 | $39.16 | $40.77 |
| 10.0% | $32.41 | $33.13 | $33.95 | $34.88 | $35.96 |
| 11.0% | $29.88 | $30.41 | $31.00 | $31.67 | $32.42 |
Where the presets come from
Base: years 1 to 5 grow at Southside Bancshares Inc's revenue growth rate over the last 2 fiscal years (-1.6% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions