Southside Bancshares

-4.65%

1. Interest Rate Risk: Southside Bancshares may be affected by rising interest rates because they are typically a net borrower. As interest rates increase, the cost of borrowing for Southside Bancshares could go up, decreasing their profit margins.

2. Cyber Security Risk: Southside Bancshares could be exposed to data breaches, online fraud, and malicious attacks against its computer systems. Such an attack could result in a loss of customer data, decreased public trust, or lost revenue.

3. Regulatory Risk: New regulations in the banking industry could impose additional compliance costs or limit the company’s ability to conduct business in certain markets.

4. Credit Risk: Southside Bancshares may be exposed to credit losses if borrowers fail to repay their loans. This risk can be mitigated by conducting regular credit reviews and monitoring customer accounts.

5. Liquidity Risk: Southside Bancshares may be exposed to liquidity risk if they become unable to meet their financial obligations due to a lack of cash on hand. This risk can be mitigated by investing in highly liquid investments such as government bonds.