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 $36.50 per share. The share price was $31.09 on September 25, 2026, 15% 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% | $25.51 | -18% |
| Base | -1.5% | 9.0% | $36.50 | +17% |
| Bull | 3.5% | 8.0% | $58.37 | +88% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $44.18 | $46.46 | $49.26 | $52.75 | $57.24 |
| 8.0% | $38.49 | $39.98 | $41.73 | $43.83 | $46.40 |
| 9.0% | $34.32 | $35.33 | $36.50 | $37.86 | $39.48 |
| 10.0% | $31.12 | $31.84 | $32.66 | $33.59 | $34.67 |
| 11.0% | $28.59 | $29.12 | $29.71 | $30.37 | $31.13 |
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