Definitive Analysis
Definitive Analysis

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Southside Bancshares, Inc. (SBSI)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$76.98 - $434.32$140.62
Multi-Stage$47.26 - $51.59$49.38
Blended Fair Value$95.00
Current Price$28.25
Upside236.30%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.52%9.31%1.441.441.481.471.421.401.381.060.850.83
YoY Growth--0.11%-3.01%0.82%3.16%1.61%1.29%30.37%24.02%3.56%39.91%
Dividend Yield--4.96%5.00%4.46%3.59%3.69%4.61%4.07%3.05%2.61%3.24%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)70.02
(-) Cash Dividends Paid (M)43.58
(=) Cash Retained (M)26.44
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)14.008.755.25
Cash Retained (M)26.4426.4426.44
(-) Cash Required (M)-14.00-8.75-5.25
(=) Excess Retained (M)12.4417.6921.19
(/) Shares Outstanding (M)30.3730.3730.37
(=) Excess Retained per Share0.410.580.70
LTM Dividend per Share1.431.431.43
(+) Excess Retained per Share0.410.580.70
(=) Adjusted Dividend1.842.022.13
WACC / Discount Rate8.03%8.03%8.03%
Growth Rate5.50%6.50%7.50%
Fair Value$76.98$140.62$434.32
Upside / Downside172.49%397.78%1,437.42%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)70.0274.5779.4284.5890.0895.9398.81
Payout Ratio62.24%67.79%73.34%78.90%84.45%90.00%92.50%
Projected Dividends (M)43.5850.5558.2566.7376.0786.3491.40

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.03%8.03%8.03%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)46.3646.8047.23
Year 2 PV (M)48.9849.9150.85
Year 3 PV (M)51.4552.9354.44
Year 4 PV (M)53.7955.8557.98
Year 5 PV (M)55.9858.6961.49
PV of Terminal Value (M)1,178.681,235.611,294.72
Equity Value (M)1,435.231,499.781,566.72
Shares Outstanding (M)30.3730.3730.37
Fair Value$47.26$49.38$51.59
Upside / Downside67.29%74.81%82.62%

High-Yield Dividend Screener

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