Fair value (multi-method)
Four independent methods triangulate what SBSI is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$35.23
Method range
$22.49 – $35.23
median $35.05
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $35.23 | +2.92% |
| Exit multiple | $35.11 | +2.56% |
| Analyst target | $35.00 | +2.25% |
| Graham number | $22.49 | -34.28% |
- Forward DCF$35.23
- Exit multiple$35.11
- Analyst target$35.00
- Graham number$22.49
Stock price
$34.23
FCF / share (TTM)
$1.51
3Y FCF CAGR
-14.4%
Fair value @ hist. growth
$8.51
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
3.7%
per year over your projection horizon
Margin of safety -302.3% vs hist-growth DCF
Historical 3Y CAGR
-14.4%
Your model implies
3.7%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -14% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.5% | 0.1% | -1.0% | -2.3% | -3.8% | -5.6% |
| 6.5% | 2.9% | 2.0% | 1.0% | -0.1% | -1.4% |
| 7.5% | 5.3% | 4.5% | 3.7% | 2.9% | 1.9% |
| 8.5% | 7.4% | 6.8% | 6.2% | 5.4% | 4.6% |
| 9.5% | 9.5% | 8.9% | 8.4% | 7.7% | 7.1% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
0.87
Low vs growth
Net debt
$350M
Total debt − cash
Beta
0.57
Vs market benchmark
Frequently asked questions
Southside Bancshares (SBSI) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks2.51% TTM
- Dividend Profile4.21% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History22 splits
How this company returns cash to shareholders — buybacks, dividends, and stock splits.