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RBB vs SBSI
Which Stock Would AI Choose? RBB Bancorp (RBB) vs. Southside Bancshares (SBSI) Stock Comparison
Key Takeaways
- Both are community-focused bank holding companies, yet they differ sharply in scale: RBB Bancorp holds roughly $4.3 billion in assets, while Southside Bancshares is about twice as large at roughly $8.8 billion.
- RBB Bancorp delivered a notable earnings beat in its most recent quarter, with expanding net interest margin, while Southside Bancshares topped earnings per share (EPS) but missed revenue as its margin compressed.
- Relative performance favors RBB, which has gained more than 40% over the trailing 12 months, compared with a more muted trajectory for SBSI.
- SBSI is the higher-income option, with a dividend yield of roughly 4.2% versus a modestly lower payout profile at RBB.
- Credit quality is improving at both lenders, but SBSI's nonperforming assets (roughly 0.11% of total assets) remain notably lower than RBB's (about 0.91%).
- Risk concentration differs: RBB leans heavily on single-family residential lending and Asian-American community markets, while SBSI carries Texas geographic concentration and commercial real estate exposure.
Introduction
Investors evaluating regional bank stocks often face a familiar trade-off: pursue a smaller, faster-improving franchise or favor a larger, steadier income generator. That tension is at the heart of this stock comparison between RBB (RBB Bancorp), a Los Angeles-based community bank, and SBSI (Southside Bancshares), an East Texas-based lender. Both companies operate in the same sector and face similar interest-rate dynamics, but their recent market positioning, profitability trends, and risk profiles have diverged in meaningful ways. This comparison is most relevant for investors weighing growth momentum against dividend stability and geographic diversification.
RBB Overview and Recent Performance
RBB is the holding company for Royal Business Bank, a community bank serving predominantly Asian-American communities across Southern California, New York, and select other markets. In its most recent quarter, RBB reported EPS of $0.74, handily exceeding consensus estimates, while net income rose 25% from the prior quarter. The bank's net interest margin (NIM) — the spread between what it earns on loans and pays on deposits — expanded to 3.16%, aided by higher loan yields and a lower cost of funds.
Recent weeks have highlighted improving fundamentals: loan growth returned, credit metrics strengthened, and the company completed an opportunistic sale of a Brooklyn office building. Nonperforming assets declined to 0.91% of total assets, down sharply from a year earlier. The company also declared a $0.16 quarterly dividend. These factors have underpinned a roughly 44% gain in RBB shares over the trailing 12 months, supported by a strong capital base, with a Tier 1 capital ratio near 18%.
SBSI Overview and Recent Performance
SBSI is the holding company for Southside Bank, which provides banking and wealth-management services to individuals, businesses, and municipal entities throughout East Texas. In its most recent quarter, SBSI reported EPS of $0.90, surpassing estimates, with net income up 23% year over year. The bank generated a return on average assets (ROAA) of 1.23% and a return on average tangible common equity near 16%, reflecting solid profitability.
However, recent market activity has centered on margin pressure. SBSI's NIM declined to 2.90%, and management guided to further compression, prompting several analysts to trim price targets. Revenue also came in slightly below consensus. On the positive side, asset quality remains a standout: nonperforming assets were just 0.11% of total assets, and the company raised its quarterly dividend by 2.8% to $0.37 per share, producing a yield above 4%. SBSI's shares have been comparatively range-bound as investors weigh its income appeal against softer earnings momentum.
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Head-to-Head Comparison
The clearest contrast between these two stocks is scale and business focus. RBB is a smaller, higher-growth franchise concentrated in single-family residential loans (about 52% of its portfolio) and commercial real estate (CRE). Its improving NIM and double-digit EPS growth signal a momentum-oriented profile, but its loan book carries more concentration risk in residential mortgages and community-specific markets.
SBSI, by contrast, is a larger, more diversified Texas lender with a heavier municipal and commercial-and-industrial (C&I) tilt, along with a stronger track record on credit. Its higher dividend yield and very low nonperforming-asset ratio appeal to income-focused investors, but declining NIM and guidance for further compression have dampened sentiment and led to price-target cuts.
On relative performance, RBB has clearly outperformed over the past year, while SBSI has offered more stability and income. In sector-exposure terms, both remain sensitive to Federal Reserve policy, but RBB's improving margin and SBSI's shrinking margin place them on opposite sides of the current rate environment. Risk factors likewise diverge: RBB faces concentration in residential lending and select geographies, while SBSI faces Texas economic concentration and CRE exposure.
Tickeron AI Verdict
Based on observable trend consistency, stability, and relative positioning, Tickeron's AI would likely tilt toward RBB in the current environment. The bank's expanding net interest margin, improving credit quality, and accelerating EPS growth suggest a more favorable momentum profile than SBSI's contracting margin and softer revenue trajectory. That said, SBSI's superior asset quality, larger balance sheet, and higher dividend yield offer meaningful counterweights, particularly for risk-averse or income-oriented investors. The AI's preference is best understood as probabilistic and condition-dependent, reflecting current trend data rather than a fixed conclusion.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is RBB is a Buy and SBSI is a StrongBuy.
RBB in upward trend: price may ascend as a result of having broken its lower Bollinger Band on October 09, 2026
RBB may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 31 of 43 cases where RBB's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 72%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where RBB's RSI Oscillator exited the oversold zone, 19 of 30 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 63%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 38 of 57 cases where RBB's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on RBB as a result. In 48 of 82 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 59%.
The Moving Average Convergence Divergence (MACD) for RBB just turned positive on October 20, 2026. Looking at past instances where RBB's MACD turned positive, the stock continued to rise in 33 of 48 cases over the following month. The odds of a continued upward trend are 69%.
Following a +3.56% 3-day Advance, the price is estimated to grow further. Considering data from situations where RBB advanced for three days, in 174 of 272 cases, the price rose further within the following month. The odds of a continued upward trend are 64%.
Bearish Trend Analysis
RBB moved below its 50-day moving average on September 23, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for RBB crossed bearishly below the 50-day moving average on September 28, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 8 of 11 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 73%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RBB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 66%.
The Aroon Indicator for RBB entered a downward trend on October 20, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Valuation Rating of 38 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.833) is normal, around the industry mean (1.246). P/E Ratio (10.846) is within average values for comparable stocks, (13.217). Projected Growth (PEG Ratio) (0.230) is also within normal values, averaging (1.190). Dividend Yield (0.024) settles around the average of (0.035) among similar stocks. P/S Ratio (3.453) is also within normal values, averaging (3.738).
The Tickeron SMR rating for this company is 43 (best 1 - 100 worst), indicating slightly weaker than average sales and a marginally profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 44 (best 1 - 100 worst), indicating steady price growth. RBB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 71 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 78 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. RBB’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock worse than average.
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
SBSI's RSI Indicator recovers from oversold territory
The RSI Oscillator for SBSI moved out of oversold territory on October 01, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 21 similar instances when the indicator left oversold territory. In 14 of the 21 cases the stock moved higher. This puts the odds of a move higher at 67%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 39 of 69 cases where SBSI's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 57%.
The Momentum Indicator moved above the 0 level on October 19, 2026. You may want to consider a long position or call options on SBSI as a result. In 54 of 92 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 59%.
The Moving Average Convergence Divergence (MACD) for SBSI just turned positive on October 13, 2026. Looking at past instances where SBSI's MACD turned positive, the stock continued to rise in 31 of 52 cases over the following month. The odds of a continued upward trend are 60%.
Following a +1.46% 3-day Advance, the price is estimated to grow further. Considering data from situations where SBSI advanced for three days, in 144 of 271 cases, the price rose further within the following month. The odds of a continued upward trend are 53%.
Bearish Trend Analysis
The 50-day moving average for SBSI moved below the 200-day moving average on October 02, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SBSI declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 61%.
SBSI broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for SBSI entered a downward trend on October 16, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 20 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 28 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 45 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.040) is normal, around the industry mean (1.246). P/E Ratio (12.075) is within average values for comparable stocks, (13.217). Projected Growth (PEG Ratio) (0.140) is also within normal values, averaging (1.190). Dividend Yield (0.048) settles around the average of (0.035) among similar stocks. P/S Ratio (3.826) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 56 (best 1 - 100 worst), indicating fairly steady price growth. SBSI’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Profit vs. Risk Rating rating for this company is 93 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. SBSI’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock worse than average.
RBB | SBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 81 | 16 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 38 Fair valued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 78 | 93 | |
SMR RATING 1..100 | 43 | 28 | |
PRICE GROWTH RATING 1..100 | 44 | 56 | |
P/E GROWTH RATING 1..100 | 71 | 20 | |
SEASONALITY SCORE 1..100 | 85 | 85 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
RBB's Valuation (38) in the Regional Banks industry is in the same range as SBSI (45). This means that RBB’s stock grew similarly to SBSI’s over the last 12 months.
RBB's Profit vs Risk Rating (78) in the Regional Banks industry is in the same range as SBSI (93). This means that RBB’s stock grew similarly to SBSI’s over the last 12 months.
SBSI's SMR Rating (28) in the Regional Banks industry is in the same range as RBB (43). This means that SBSI’s stock grew similarly to RBB’s over the last 12 months.
RBB's Price Growth Rating (44) in the Regional Banks industry is in the same range as SBSI (56). This means that RBB’s stock grew similarly to SBSI’s over the last 12 months.
SBSI's P/E Growth Rating (20) in the Regional Banks industry is somewhat better than the same rating for RBB (71). This means that SBSI’s stock grew somewhat faster than RBB’s over the last 12 months.
| RBB | SBSI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 63% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 59% | 2 days ago 59% |
| MACD ODDS (%) | 2 days ago 69% | 2 days ago 60% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 54% |
| TrendMonth ODDS (%) | 2 days ago 72% | 2 days ago 59% |
| Advances ODDS (%) | 2 days ago 64% | 7 days ago 53% |
| Declines ODDS (%) | 4 days ago 66% | 16 days ago 61% |
| BollingerBands ODDS (%) | 2 days ago 72% | 2 days ago 65% |
| Aroon ODDS (%) | 2 days ago 77% | 2 days ago 64% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
RBB’s FA Score shows that 0 FA rating(s) are green while SBSI’s FA Score has 2 green FA rating(s).
- RBB’s FA Score: 0 green, 5 red.
- SBSI’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
RBB’s TA Score shows that 6 TA indicator(s) are bullish while SBSI’s TA Score has 5 bullish TA indicator(s).
- RBB’s TA Score: 6 bullish, 4 bearish.
- SBSI’s TA Score: 5 bullish, 4 bearish.
Price Growth
RBB (@Regional Banks) experienced а +3.39% price change this week, while SBSI (@Regional Banks) price change was +1.89% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.86%. For the same industry, the average monthly price growth was -0.06%, and the average quarterly price growth was +8.94%.
Reported Earning Dates
RBB is expected to report earnings on Jan 25, 2027.
SBSI is expected to report earnings on Oct 29, 2026.
Industries' Descriptions
@Regional Banks (+2.86% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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RBB and
Correlation & Price change
A.I.dvisor indicates that over the last year, RBB has been closely correlated with GSBC. These tickers have moved in lockstep 70% of the time. This A.I.-generated data suggests there is a high statistical probability that if RBB jumps, then GSBC could also see price increases.
| Ticker / NAME | Correlation To RBB | 1D Price Change % | ||
|---|---|---|---|---|
| RBB | 100% | +0.86% | ||
| GSBC - RBB | 70% Closely correlated | -0.65% | ||
| FMBH - RBB | 69% Closely correlated | -1.24% | ||
| PCB - RBB | 69% Closely correlated | -0.50% | ||
| SBSI - RBB | 69% Closely correlated | -0.42% | ||
| BFC - RBB | 69% Closely correlated | -4.25% | ||
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SBSI and
Correlation & Price change
A.I.dvisor indicates that over the last year, SBSI has been closely correlated with FULT. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if SBSI jumps, then FULT could also see price increases.
| Ticker / NAME | Correlation To SBSI | 1D Price Change % | ||
|---|---|---|---|---|
| SBSI | 100% | -0.42% | ||
| FULT - SBSI | 80% Closely correlated | -0.44% | ||
| BUSE - SBSI | 79% Closely correlated | -0.43% | ||
| EFSC - SBSI | 79% Closely correlated | -0.50% | ||
| ABCB - SBSI | 78% Closely correlated | -0.07% | ||
| UBSI - SBSI | 78% Closely correlated | +0.08% | ||
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