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Southside Bancshares Inc.
(SBSI)
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| |
| Sector: |
Financial |
| Industry: |
Regional - Mid-Atlantic Banks |
| Stock Type: | Cyclical |
| Top Industry Grower: | SBSI |
SBSI was last updated 16 days 12 hours 31 minutes ago. Use MrStockQuickie's
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The Numbers
| metric | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| ROA * Leverage | 14.0% | 22.6% | 20.3% | 18.1% | 16.6% | 14.1% | 16.2% | 14.0% | 14.0% | 13.6% | 20.2% |
| Equity/Share | $4.22 | $3.14 | $4.70 | $5.28 | $6.32 | $7.72 | $7.48 | $8.41 | $7.90 | $9.45 | $10.17 |
| Earnings/Share | $0.45 | $0.64 | $0.84 | $0.97 | $1.00 | $1.00 | $1.14 | $1.05 | $1.07 | $1.18 | $1.77 |
| Net Int Income/Share | $1.72 | $2.06 | $2.66 | $2.35 | $2.53 | $2.42 | $2.81 | $3.18 | $2.98 | $3.14 | $4.76 |
| Fee Income/Share | $0.54 | $0.62 | $0.80 | $0.79 | $1.06 | $1.08 | $1.07 | $1.23 | $1.23 | $1.39 | $0.00 |
| Net Int Margin | 76.2% | 68.6% | 63.6% | 64.3% | 90.4% | 105.7% | 142.8% | 107.6% | 75.4% | 70.9% | 107.4% |
The Trends
long term trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
|---|
| -1% | 3% | 3% | 2% | 1% |
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growth acceleration trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
|---|
| 0% | 1% | 6% | 6% | -1% |
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Quick Financial Health
ebit/interest [on debt]
| SBSI | EQUITY_INDUSTRY | market |
|---|
| 58.10 | --- | --- |
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equity/debt
| 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| 0.26 | 0.19 | 0.24 | 0.23 | 0.31 | 0.37 | 0.3 | 0.48 | 0.74 | 0.9 | 2.38 |
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growth
| 10 | 5 | 3 | 1 |
|---|
| 25% | 45% | 71% | 164% |
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assets/liabilities
| 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| 1.06 | 1.04 | 1.05 | 1.06 | 1.06 | 1.07 | 1.07 | 1.07 | 1.06 | 1.06 | 1.06 |
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The Ratios
PEG
| Entity | Current | Next Year (Current PE) | Next Year (Forward PE) | Five Year |
|---|
| SBSI | 0.21 | -2.08 | -1.99 | 1.82 | | Industry | -0.56 | 0.51 | 0.06 | 8.04 | | Market | 0.40 | 0.68 | 0.69 | 1.07 |
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Valuations
| Entity | Price/Earnings | Price/Book | Price/Sales | Price/Cash Flow | Div. Yield (%) |
|---|
| SBSI | 12.0 | 2.1 | 3.0 | 10.5 | 2.5 | | Industry | 17.0 | 19.1 | 1.9 | 8.7 | 1.4 | | Market | 13.0 | 2.9 | 1.7 | 9.1 | 3.2 |
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The Pricing Metrics
Growth Rates
| Zacks | Reuters | Thomson Fin. | BVPS | EPS | NIIPS | FIPS |
|---|
| 6.0% | 7.0% | 6.0% | 8.7% | 9.5% | 9.2% | 8.4% | | Next Year's Growth Estimate | -5.8% | | Priced-In Growth | 6.7% | | Intrinsic Growth | 8.5% |
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Mulitple History
| 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| 14.8 | 8.8 | 6.5 | 7.5 | 10.5 | 12.3 | 14.0 | 16.7 | 19.3 | 17.6 | 12.0 | | Front Loaded Estimate | 15.7 | | High Growth Estimate | 13.4 | | Five Year Avgerage | 17.2 |
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Quality and Value
Quality (0-10)
| Inferior | Low | Below Avg. | Average | Above Avg. | High | Superior |
|---|
| | | 6.0 | | | | |
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Valuations
| | PE | EPS | PRICE | VALUE/PRICE | MOS |
|---|
| Current Price | 12.0 | $1.78 | $21.34 | 1.000 | 0.0% | | Intrinsic Value | 13.2 | $1.93 | $25.55 | 1.197 | 16.5% | | Price Adjusted for Industry | 12.0 | $1.78 | $21.34 | 1.000 | 0.0% | | Price Adjusted for Market | 13.5 | $1.78 | $24.00 | 1.125 | 11.1% | | EPS estimated FY08 Price | 12.0 | $1.85 | $22.15 | 1.038 | 3.7% | | Short % of Float | 2.1% |
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