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Southside Bancshares (SBSI) Financials

Southside Bancshares logo
$28.35 +0.22 (+0.80%)
Closing price 05/29/2025 03:59 PM Eastern
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$28.40 +0.04 (+0.14%)
As of 05/29/2025 04:04 PM Eastern
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Annual Income Statements for Southside Bancshares

Annual Income Statements for Southside Bancshares

This table shows Southside Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 88 87 105 113 82 75 74 54 49 44 21
Consolidated Net Income / (Loss)		 88 87 105 113 82 75 74 54 49 44 21
Net Income / (Loss) Continuing Operations		 88 87 105 113 82 75 74 54 49 44 21
Total Pre-Tax Income 		107 101 120 131 93 88 84 70 60 51 19
Total Revenue		 258 251 253 239 237 212 213 181 179 173 131
Net Interest Income / (Expense)		 216 215 212 190 187 170 172 144 140 135 107
Total Interest Income		 414 360 253 216 232 241 229 187 169 155 124
Loans and Leases Interest Income		 279 245 170 145 158 170 159 118 107 96 71
Investment Securities Interest Income		 114 105 81 71 72 68 67 67 61 58 53
Other Interest Income		 21 9.67 1.99 0.61 1.47 2.99 3.51 3.01 1.19 0.30 0.18
Total Interest Expense		 198 145 41 26 45 71 57 44 29 20 17
Deposits Interest Expense		 154 108 29 9.40 25 45 36 21 14 10 7.95
Short-Term Borrowings Interest Expense		 24 6.78 3.29 7.35 11 18 - - - - 0.62
Long-Term Debt Interest Expense		 8.40 8.42 6.41 9.64 8.13 8.44 21 23 15 9.69 8.38
Other Interest Expense		 12 21 1.86 0.04 0.39 0.26 0.16 0.02 0.01 0.00 -
Total Non-Interest Income		 42 36 41 49 50 42 41 37 39 38 24
Trust Fees by Commissions		 10 9.22 9.33 9.34 7.40 8.35 8.82 6.24 5.62 5.63 4.45
Service Charges on Deposit Accounts		 24 25 26 26 24 26 25 22 21 - -
Other Service Charges		 5.12 5.65 6.33 5.51 4.39 4.41 5.10 4.47 4.83 24 18
Net Realized & Unrealized Capital Gains on Investments		 -2.47 -10 -3.29 5.50 11 1.27 -1.15 2.45 5.63 5.74 3.15
Other Non-Interest Income		 4.26 5.82 2.65 2.62 2.55 2.31 2.92 2.54 2.63 2.62 -1.42
Provision for Credit Losses		 3.35 9.15 3.24 -17 20 5.10 8.44 4.68 9.78 8.34 15
Total Non-Interest Expense		 147 141 130 125 123 119 120 106 110 113 98
Salaries and Employee Benefits		 90 86 83 80 77 74 71 61 62 63 61
Net Occupancy & Equipment Expense		 26 24 22 20 19 18 18 15 17 16 12
Marketing Expense		 3.36 4.09 3.43 2.37 2.15 2.96 2.89 2.22 2.64 2.68 2.22
Property & Liability Insurance Claims		 3.79 3.56 1.95 1.81 1.12 0.86 1.87 1.77 2.14 2.51 1.77
Other Operating Expenses		 23 22 18 17 20 20 19 20 25 21 21
Amortization Expense		 1.17 1.70 2.27 2.85 3.62 4.42 5.21 1.96 1.94 2.30 -
Other Special Charges		 0.00 0.00 0.00 1.12 0.00 0.00 - - - - -
Income Tax Expense		 19 14 15 17 11 13 10 16 10 7.28 -2.16
Basic Earnings per Share		 $2.92 $2.82 $3.27 $3.48 $2.47 $2.21 $2.12 $1.82 $1.82 $1.61 $0.99
Weighted Average Basic Shares Outstanding		 30.39M 30.26M 31.39M 32.36M 32.76M 33.70M 35M 29.84M 27.12M 26.62M 20.03M
Diluted Earnings per Share		 $2.91 $2.82 $3.26 $3.47 $2.47 $2.20 $2.11 $1.81 $1.81 $1.61 $0.99
Weighted Average Diluted Shares Outstanding		 30.39M 30.26M 31.39M 32.36M 32.76M 33.70M 35M 29.84M 27.12M 26.62M 20.03M
Weighted Average Basic & Diluted Shares Outstanding		 30.39M 30.26M 31.39M 32.36M 32.76M 33.70M 35M 29.84M 27.12M 26.62M 20.03M
Cash Dividends to Common per Share		 $1.44 $1.42 $1.40 $1.37 $1.30 $1.26 $1.20 $1.11 $1.01 $1.00 $0.96

Quarterly Income Statements for Southside Bancshares

This table shows Southside Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 22 22 21 25 22 17 18 25 26 28 27
Consolidated Net Income / (Loss)		 22 22 21 25 22 17 18 25 26 28 27
Net Income / (Loss) Continuing Operations		 22 22 21 25 22 17 18 25 26 28 27
Total Pre-Tax Income 		26 26 25 30 26 20 22 29 31 32 31
Total Revenue		 64 66 64 65 63 57 64 64 65 68 66
Net Interest Income / (Expense)		 54 54 55 54 53 54 53 54 53 57 56
Total Interest Income		 100 102 106 104 103 99 93 87 81 75 67
Loans and Leases Interest Income		 68 70 72 70 68 67 64 59 55 52 45
Investment Securities Interest Income		 28 28 29 29 28 28 27 26 24 22 21
Other Interest Income		 4.33 4.26 4.87 5.70 6.37 3.64 2.05 1.87 2.12 1.09 0.48
Total Interest Expense		 46 48 50 51 49 44 40 33 27 18 11
Deposits Interest Expense		 37 38 39 38 38 36 31 22 20 14 7.89
Short-Term Borrowings Interest Expense		 5.84 5.56 6.49 6.46 5.95 1.43 1.17 1.03 3.14 1.62 1.08
Long-Term Debt Interest Expense		 1.95 2.04 2.12 2.11 2.13 2.16 2.14 2.09 2.03 1.91 1.67
Other Interest Expense		 1.41 1.92 3.10 3.55 3.13 5.24 5.54 8.16 2.42 1.06 0.73
Total Non-Interest Income		 10 12 8.17 12 9.72 2.50 11 10 12 11 10
Trust Fees by Commissions		 2.89 2.83 2.70 2.54 2.35 2.38 2.28 2.39 2.16 2.30 2.11
Service Charges on Deposit Accounts		 5.83 6.08 6.20 6.16 5.99 6.31 6.48 6.29 6.42 6.48 6.24
Other Service Charges		 1.21 2.38 0.23 1.44 1.06 1.43 1.18 1.65 1.40 1.44 1.19
Net Realized & Unrealized Capital Gains on Investments		 -0.50 0.14 -1.81 -0.34 -0.45 -10 0.11 -0.63 0.37 0.04 0.01
Other Non-Interest Income		 0.80 0.85 0.86 1.77 0.78 2.60 0.79 0.76 1.68 0.52 0.72
Provision for Credit Losses		 0.76 1.38 2.39 -0.49 0.06 2.28 6.99 -0.07 -0.04 2.09 1.49
Total Non-Interest Expense		 37 38 36 36 37 35 36 35 35 34 33
Salaries and Employee Benefits		 22 23 22 22 23 21 21 21 22 21 21
Net Occupancy & Equipment Expense		 6.24 6.56 6.56 6.61 6.22 6.12 6.23 5.95 5.79 5.71 5.58
Marketing Expense		 0.92 0.88 0.73 0.80 0.95 1.13 1.06 0.85 1.05 1.19 0.79
Property & Liability Insurance Claims		 0.95 0.93 0.94 0.98 0.94 0.89 0.90 1.22 0.54 0.51 0.49
Other Operating Expenses		 6.37 6.58 5.58 5.09 5.32 5.52 5.71 5.15 5.13 4.67 4.69
Amortization Expense		 0.22 0.25 0.28 0.31 0.34 0.37 0.41 0.44 0.48 0.52 0.55
Income Tax Expense		 4.72 4.66 4.39 5.21 4.62 2.21 3.12 4.57 4.54 4.29 3.88
Basic Earnings per Share		 $0.71 $0.72 $0.68 $0.81 $0.71 $0.58 $0.60 $0.81 $0.83 $0.87 $0.84
Weighted Average Basic Shares Outstanding		 30.21M 30.39M 30.31M 30.27M 30.28M 30.26M 30.20M 30.53M 30.92M 31.39M 32.11M
Diluted Earnings per Share		 $0.71 $0.71 $0.68 $0.81 $0.71 $0.58 $0.60 $0.81 $0.83 $0.86 $0.84
Weighted Average Diluted Shares Outstanding		 30.21M 30.39M 30.31M 30.27M 30.28M 30.26M 30.20M 30.53M 30.92M 31.39M 32.11M
Weighted Average Basic & Diluted Shares Outstanding		 30.21M 30.39M 30.31M 30.27M 30.28M 30.26M 30.20M 30.53M 30.92M 31.39M 32.11M
Cash Dividends to Common per Share		 $0.36 $0.36 $0.36 $0.36 $0.36 $0.37 $0.35 $0.35 $0.35 $0.38 $0.34

Annual Cash Flow Statements for Southside Bancshares

This table details how cash moves in and out of Southside Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 -134 361 -2.50 93 -2.29 -10 -78 29 89 -3.68 30
Net Cash From Operating Activities		 102 80 227 156 91 81 122 92 87 73 56
Net Cash From Continuing Operating Activities		 101 80 226 156 91 81 122 92 87 73 56
Net Income / (Loss) Continuing Operations		 88 87 105 113 82 75 74 54 49 44 21
Consolidated Net Income / (Loss)		 88 87 105 113 82 75 74 54 49 44 21
Provision For Loan Losses		 3.35 9.15 3.24 -17 20 5.10 8.44 4.68 9.78 8.34 18
Depreciation Expense		 10 11 11 11 12 12 14 10 9.08 8.62 3.46
Amortization Expense		 8.19 4.92 18 22 23 13 11 16 17 19 17
Non-Cash Adjustments to Reconcile Net Income		 6.04 9.92 8.50 7.19 -12 2.46 13 11 -3.09 -5.63 -4.45
Changes in Operating Assets and Liabilities, net		 -16 -41 80 19 -36 -26 1.53 -4.47 5.00 -1.59 1.32
Net Cash From Investing Activities		 -383 -327 -635 -194 -224 -567 262 173 -384 -384 -67
Net Cash From Continuing Investing Activities		 -383 -327 -635 -194 -224 -567 262 173 -384 -384 -67
Purchase of Property, Leasehold Improvements and Equipment		 -11 -6.90 -9.30 -8.37 -11 -16 -13 -9.63 -6.55 -3.77 -5.16
Purchase of Investment Securities		 -1,322 -2,433 -1,214 -694 -935 -1,542 -333 -769 -1,200 -1,355 -1,094
Sale of Property, Leasehold Improvements and Equipment		 0.02 0.43 1.37 1.86 1.85 0.10 1.94 0.01 0.13 0.03 0.01
Sale and/or Maturity of Investments		 1,050 2,153 628 528 721 991 606 835 822 974 1,032
Other Investing Activities, net		 -100 -40 -41 -21 - - - - - - -
Net Cash From Financing Activities		 147 608 406 131 131 476 -462 -235 386 308 41
Net Cash From Continuing Financing Activities		 147 608 406 131 131 476 -462 -235 386 308 41
Net Change in Deposits		 105 352 476 790 249 273 -106 83 78 82 45
Issuance of Debt		 8,144 2,019 3,321 14,998 21,896 6,915 4,202 2,786 8,257 23,022 7,102
Issuance of Common Equity		 1.16 1.22 1.23 1.35 1.42 1.45 1.48 1.48 77 1.37 2.29
Repayment of Debt		 -7,626 -1,964 -3,512 -15,587 -21,937 -6,661 -4,500 -3,079 -7,997 -22,771 -7,091
Repurchase of Common Equity		 -1.51 -45 -34 -34 -31 -2.18 -47 0.00 -10 0.00 0.00
Payment of Dividends		 -44 -44 -45 -45 -43 -43 -42 -32 -26 -25 -18
Other Financing Activities, Net		 -431 289 198 7.15 -3.89 -6.86 30 4.59 6.56 -1.57 0.71
Cash Interest Paid		 199 137 39 29 47 70 56 43 27 20 17
Cash Income Taxes Paid		 16 16 12 11 12 11 2.00 11 5.70 8.50 4.30

Quarterly Cash Flow Statements for Southside Bancshares

This table details how cash moves in and out of Southside Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 4.81 -60 34 -17 -91 235 119 -103 111 4.13 23
Net Cash From Operating Activities		 24 39 -12 16 58 -57 78 34 24 18 80
Net Cash From Continuing Operating Activities		 24 38 -12 16 58 -57 78 34 24 18 80
Net Income / (Loss) Continuing Operations		 22 22 21 25 22 17 18 25 26 28 27
Consolidated Net Income / (Loss)		 22 22 21 25 22 17 18 25 26 28 27
Provision For Loan Losses		 0.76 1.38 2.39 -0.49 0.06 2.28 6.99 -0.07 -0.04 2.09 1.49
Depreciation Expense		 2.62 2.94 2.56 2.49 2.47 2.61 2.68 2.65 2.64 2.77 2.77
Amortization Expense		 1.94 3.23 1.35 1.80 1.80 0.84 0.20 0.21 3.68 4.62 4.57
Non-Cash Adjustments to Reconcile Net Income		 2.20 -1.04 3.50 0.90 2.68 9.79 -0.39 -0.15 0.66 0.47 0.72
Changes in Operating Assets and Liabilities, net		 -5.08 9.64 -42 -13 30 -89 50 6.87 -9.34 -19 44
Net Cash From Investing Activities		 172 -250 14 37 -183 -7.77 -100 -107 -112 -82 -57
Net Cash From Continuing Investing Activities		 172 -250 14 37 -183 -7.77 -100 -107 -112 -82 -57
Purchase of Property, Leasehold Improvements and Equipment		 -2.42 -5.07 -2.43 -1.10 -2.57 -1.83 -1.88 -1.01 -2.18 -0.93 -3.41
Purchase of Investment Securities		 -123 -438 -216 -182 -485 -1,022 -513 -511 -388 -96 -277
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.00 0.02 -0.00 -0.00 - 0.06 0.37 0.00 - 1.36
Sale and/or Maturity of Investments		 297 293 182 271 305 1,021 420 434 278 31 236
Other Investing Activities, net		 -0.38 - - - - -5.55 -5.10 - - -17 -15
Net Cash From Financing Activities		 -191 151 32 -70 34 299 141 -31 199 68 -0.18
Net Cash From Continuing Financing Activities		 -191 151 32 -70 34 299 141 -31 199 68 -0.18
Net Change in Deposits		 -63 219 -60 -50 -3.93 200 232 279 -360 45 -96
Issuance of Debt		 1,670 2,075 2,329 2,160 1,580 360 331 250 1,078 820 1,451
Issuance of Common Equity		 0.26 0.27 0.29 0.29 0.31 0.32 0.31 0.30 0.30 0.32 0.28
Repayment of Debt		 -1,790 -2,103 -2,131 -1,912 -1,480 -360 -301 -405 -898 -910 -1,361
Payment of Dividends		 -11 -11 -11 -11 -11 -11 -11 -11 -11 -12 -11
Other Financing Activities, Net		 3.11 -28 -95 -256 -52 115 -105 -125 405 146 17
Cash Interest Paid		 45 48 50 49 51 48 34 31 24 18 10
Cash Income Taxes Paid		 0.00 3.75 5.00 7.00 0.00 3.50 4.25 8.00 0.00 3.75 3.00

Annual Balance Sheets for Southside Bancshares

This table presents Southside Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 8,517 8,285 7,559 7,260 7,008 6,749 6,123 6,498 5,564 5,162 4,807
Cash and Due from Banks		 91 122 106 91 87 67 87 79 59 54 64
Federal Funds Sold		 53 47 84 0.00 - - 9.46 7.98 8.04 0.00 -
Interest Bearing Deposits at Other Banks		 282 392 9.28 111 21 44 24 112 102 27 21
Trading Account Securities		 2,815 2,614 2,626 2,857 2,700 2,494 2,153 2,450 2,430 2,263 1,902
Loans and Leases, Net of Allowance		 4,617 4,482 4,111 3,610 3,609 3,543 3,286 3,274 2,539 2,412 2,168
Loans and Leases		 4,662 4,525 4,148 3,610 3,658 3,568 3,313 3,294 2,557 2,432 2,181
Allowance for Loan and Lease Losses		 45 43 37 - 49 25 27 21 18 20 13
Premises and Equipment, Net		 142 139 141 143 145 144 136 134 106 108 113
Goodwill		 201 201 201 201 201 201 201 201 92 92 91
Intangible Assets		 1.75 2.93 4.62 6.90 9.74 13 18 23 4.61 6.55 8.84
Other Assets		 315 285 275 3,851 236 243 194 218 223 200 187
Total Liabilities & Shareholders' Equity		 8,517 8,285 7,559 7,260 7,008 6,749 6,123 6,498 5,564 5,162 4,807
Total Liabilities		 7,706 7,512 6,813 6,347 6,133 5,944 5,392 5,744 5,045 4,718 4,382
Non-Interest Bearing Deposits		 1,357 1,390 1,672 1,645 1,355 1,040 995 1,037 704 672 661
Interest Bearing Deposits		 5,297 5,159 4,526 4,078 3,578 3,663 3,430 3,478 2,829 2,783 2,713
Federal Funds Purchased and Securities Sold		 76 510 221 23 23 28 37 9.50 7.10 2.43 4.24
Long-Term Debt		 884 367 312 503 1,090 1,132 878 1,176 1,468 1,208 958
Other Long-Term Liabilities		 91 85 81 99 87 82 53 43 37 52 46
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 812 773 746 912 875 805 731 754 518 444 425
Total Preferred & Common Equity		 812 773 746 912 875 805 731 754 518 444 425
Total Common Equity		 812 773 746 912 875 805 731 754 518 444 425
Common Stock		 841 836 832 828 819 814 810 805 575 459 423
Retained Earnings		 327 282 240 180 111 80 65 33 30 42 55
Treasury Stock		 -231 -232 -188 -155 -124 -94 -93 -47 -48 -38 -38
Accumulated Other Comprehensive Income / (Loss)		 -125 -113 -137 60 69 4.24 -50 -36 -38 -19 -16

Quarterly Balance Sheets for Southside Bancshares

This table presents Southside Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 8,343 8,362 8,358 8,354 7,972 7,807 7,792 7,454
Cash and Due from Banks		 103 130 114 97 106 115 101 111
Federal Funds Sold		 34 22 65 65 114 78 57 81
Interest Bearing Deposits at Other Banks		 293 334 272 307 106 14 152 3.48
Trading Account Securities		 2,737 2,698 2,713 2,719 2,645 2,682 2,750 2,576
Loans and Leases, Net of Allowance		 4,523 4,534 4,547 4,534 4,379 4,293 4,116 4,027
Loans and Leases		 4,567 4,578 4,589 4,577 4,421 4,329 4,153 4,063
Allowance for Loan and Lease Losses		 45 44 42 44 42 36 36 37
Premises and Equipment, Net		 142 139 138 139 139 140 141 143
Goodwill		 201 201 201 201 201 201 201 201
Intangible Assets		 1.53 2.00 2.28 2.59 3.30 3.70 4.14 5.14
Other Assets		 308 303 304 288 279 281 4,385 307
Total Liabilities & Shareholders' Equity		 8,343 8,362 8,358 8,354 7,972 7,807 7,792 7,454
Total Liabilities		 7,527 7,557 7,557 7,566 7,244 7,042 7,041 6,746
Non-Interest Bearing Deposits		 1,380 1,377 1,367 1,359 1,431 1,467 1,543 1,760
Interest Bearing Deposits		 5,211 5,059 5,129 5,187 4,918 4,651 4,295 4,421
Federal Funds Purchased and Securities Sold		 80 106 201 458 395 500 626 75
Long-Term Debt		 764 912 715 467 367 337 492 402
Other Long-Term Liabilities		 92 103 145 96 132 87 85 88
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 817 805 801 788 729 765 751 708
Total Preferred & Common Equity		 817 805 801 788 729 765 751 708
Total Common Equity		 817 805 801 788 729 765 751 708
Common Stock		 842 840 838 838 836 835 834 831
Retained Earnings		 337 316 307 293 276 269 255 224
Treasury Stock		 -231 -232 -233 -232 -228 -222 -204 -167
Accumulated Other Comprehensive Income / (Loss)		 -132 -118 -111 -111 -155 -116 -133 -181

Annual Metrics And Ratios for Southside Bancshares

This table displays calculated financial ratios and metrics derived from Southside Bancshares' official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.79% -0.92% 5.99% 0.80% 11.70% -0.31% 17.30% 1.38% 3.71% 31.42% -4.07%
EBITDA Growth		 8.06% -21.70% -9.28% 27.52% 14.40% 2.61% 12.92% 13.79% 7.88% 101.32% -46.77%
EBIT Growth		 6.18% -15.47% -8.56% 39.94% 6.51% 4.12% 19.69% 18.03% 16.38% 174.66% -59.67%
NOPAT Growth		 2.08% -17.45% -7.39% 38.04% 10.19% 0.56% 36.50% 10.06% 12.16% 111.19% -49.42%
Net Income Growth		 2.08% -17.45% -7.39% 38.04% 10.19% 0.56% 36.50% 10.06% 12.16% 111.19% -49.42%
EPS Growth		 3.19% -13.50% -6.05% 40.49% 12.27% 4.27% 16.57% 0.00% 12.42% 62.63% -52.63%
Operating Cash Flow Growth		 27.53% -64.74% 45.11% 72.45% 12.30% -34.15% 33.44% 5.77% 18.83% 30.24% -5.83%
Free Cash Flow Firm Growth		 -9,636.81% -98.94% -30.43% 1,152.95% 120.97% -163.93% 257.32% 138.81% -26.63% 52.08% -3,495.63%
Invested Capital Growth		 48.78% 7.73% -25.21% -28.00% 1.51% 20.33% -16.63% -2.83% 20.23% 19.45% 54.93%
Revenue Q/Q Growth		 3.62% -4.06% 2.51% 0.76% 2.58% 0.52% 2.47% 3.45% -1.19% 6.82% -2.71%
EBITDA Q/Q Growth		 8.30% -12.32% -1.21% -1.03% 13.52% 1.49% 2.73% 2.76% 0.79% 38.99% -35.06%
EBIT Q/Q Growth		 6.89% -10.95% -1.27% -0.26% 17.09% 0.31% 4.62% 4.12% 0.47% 69.32% -53.33%
NOPAT Q/Q Growth		 5.32% -10.67% -0.96% -0.77% 17.50% -0.13% 10.51% -2.20% -0.19% 55.14% -43.64%
Net Income Q/Q Growth		 5.32% -10.67% -0.96% -0.77% 17.50% -0.06% 10.51% -2.24% -0.24% 55.14% -43.64%
EPS Q/Q Growth		 4.68% -9.03% -0.61% 0.00% 17.62% 0.46% 9.33% -4.23% 1.12% 65.98% -45.00%
Operating Cash Flow Q/Q Growth		 1,478.81% -48.34% -3.94% -7.59% 27.67% 1.72% 4.19% -5.90% 8.62% 32.15% -20.75%
Free Cash Flow Firm Q/Q Growth		 13.09% -95.61% -33.26% 79.62% -20.99% 37.03% -12.53% 5,962.39% 6.62% 58.42% -400.08%
Invested Capital Q/Q Growth		 -1.25% 4.07% -4.66% -16.56% 0.73% -0.62% 9.28% 3.93% 10.14% 14.03% 57.29%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 48.87% 46.49% 58.83% 68.73% 54.33% 53.05% 51.54% 53.54% 47.70% 45.85% 29.93%
EBIT Margin		 41.64% 40.31% 47.25% 54.76% 39.45% 41.37% 39.61% 38.82% 33.34% 29.71% 14.22%
Profit (Net Income) Margin		 34.32% 34.56% 41.48% 47.47% 34.66% 35.14% 34.83% 29.93% 27.57% 25.49% 15.87%
Tax Burden Percent		 82.41% 85.72% 87.79% 86.68% 87.87% 84.94% 87.94% 77.11% 82.70% 85.80% 111.59%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.59% 14.28% 12.21% 13.32% 12.13% 15.06% 12.06% 22.89% 17.30% 14.20% -11.59%
Return on Invested Capital (ROIC)		 6.24% 7.89% 8.49% 6.71% 4.21% 4.21% 4.19% 2.77% 2.71% 2.90% 1.83%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.24% 7.89% 8.49% 6.71% 4.21% 4.21% 4.19% 2.77% 2.71% 2.90% 1.83%
Return on Net Nonoperating Assets (RNNOA)		 4.92% 3.53% 4.17% 5.98% 5.57% 5.50% 5.79% 5.76% 7.54% 7.22% 4.25%
Return on Equity (ROE)		 11.16% 11.41% 12.67% 12.69% 9.78% 9.71% 9.98% 8.54% 10.26% 10.12% 6.08%
Cash Return on Invested Capital (CROIC)		 -32.97% 0.45% 37.34% 39.27% 2.72% -14.25% 22.33% 5.65% -15.66% -14.83% -41.27%
Operating Return on Assets (OROA)		 1.28% 1.28% 1.61% 1.83% 1.36% 1.36% 1.34% 1.17% 1.11% 1.03% 0.45%
Return on Assets (ROA)		 1.05% 1.09% 1.42% 1.59% 1.19% 1.16% 1.17% 0.90% 0.92% 0.88% 0.50%
Return on Common Equity (ROCE)		 11.16% 11.41% 12.67% 12.69% 9.78% 9.71% 9.98% 8.54% 10.26% 10.12% 6.08%
Return on Equity Simple (ROE_SIMPLE)		 10.90% 11.21% 14.08% 12.43% 9.39% 9.27% 10.14% 7.20% 9.52% 9.91% 4.90%
Net Operating Profit after Tax (NOPAT)		 88 87 105 113 82 75 74 54 49 44 21
NOPAT Margin		 34.32% 34.56% 41.48% 47.47% 34.66% 35.14% 34.83% 29.93% 27.57% 25.49% 15.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.38% 45.37% 42.67% 42.77% 41.65% 44.47% 42.92% 43.04% 45.20% 47.48% 57.06%
Operating Expenses to Revenue		 57.06% 56.04% 51.47% 52.34% 52.03% 56.23% 56.43% 58.61% 61.19% 65.45% 74.41%
Earnings before Interest and Taxes (EBIT)		 107 101 120 131 93 88 84 70 60 51 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 126 117 149 164 129 113 110 97 85 79 39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.17 1.15 1.40 1.29 0.98 1.25 1.18 0.98 1.35 0.89 0.77
Price to Tangible Book Value (P/TBV)		 1.56 1.57 1.93 1.67 1.30 1.71 1.69 1.40 1.66 1.15 1.01
Price to Revenue (P/Rev)		 3.69 3.56 4.11 4.91 3.64 4.75 4.07 4.09 3.92 2.30 2.49
Price to Earnings (P/E)		 10.75 10.29 9.91 10.35 10.49 13.53 11.68 13.67 14.20 9.03 15.72
Dividend Yield		 4.59% 4.74% 4.19% 3.60% 4.80% 4.12% 4.79% 3.29% 2.85% 4.92% 4.27%
Earnings Yield		 9.30% 9.72% 10.09% 9.66% 9.53% 7.39% 8.56% 7.31% 7.04% 11.08% 6.36%
Enterprise Value to Invested Capital (EV/IC)		 0.83 0.61 1.09 1.04 0.94 1.05 1.00 0.89 1.01 0.92 0.87
Enterprise Value to Revenue (EV/Rev)		 5.47 2.78 4.56 6.18 7.78 9.57 7.55 9.48 11.17 8.83 9.14
Enterprise Value to EBITDA (EV/EBITDA)		 11.19 5.99 7.75 8.98 14.32 18.03 14.66 17.70 23.42 19.26 30.54
Enterprise Value to EBIT (EV/EBIT)		 13.13 6.91 9.65 11.28 19.72 23.12 19.07 24.42 33.50 29.72 64.31
Enterprise Value to NOPAT (EV/NOPAT)		 15.93 8.06 10.99 13.01 22.44 27.22 21.68 31.66 40.51 34.64 57.63
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.84 8.75 5.10 9.45 20.37 25.18 13.13 18.75 23.05 20.88 21.43
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 142.46 2.50 2.22 34.80 0.00 4.07 15.55 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.09 0.47 0.42 0.55 1.25 1.41 1.20 1.56 2.83 2.72 2.25
Long-Term Debt to Equity		 1.09 0.47 0.42 0.55 1.25 1.41 1.20 1.56 2.83 2.72 2.25
Financial Leverage		 0.79 0.45 0.49 0.89 1.32 1.31 1.38 2.08 2.78 2.49 2.32
Leverage Ratio		 10.60 10.43 8.94 7.98 8.19 8.38 8.50 9.48 11.15 11.47 12.05
Compound Leverage Factor		 10.60 10.43 8.94 7.98 8.19 8.38 8.50 9.48 11.15 11.47 12.05
Debt to Total Capital		 52.13% 32.17% 29.51% 35.54% 55.46% 58.44% 54.55% 60.93% 73.91% 73.12% 69.25%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 52.13% 32.17% 29.51% 35.54% 55.46% 58.44% 54.55% 60.93% 73.91% 73.12% 69.25%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 47.87% 67.83% 70.49% 64.46% 44.54% 41.56% 45.45% 39.07% 26.09% 26.88% 30.75%
Debt to EBITDA		 7.02 3.15 2.10 3.06 8.47 10.05 8.00 12.10 17.20 15.26 24.37
Net Debt to EBITDA		 3.63 -1.66 0.76 1.83 7.62 9.07 6.76 10.06 15.21 14.24 22.21
Long-Term Debt to EBITDA		 7.02 3.15 2.10 3.06 8.47 10.05 8.00 12.10 17.20 15.26 24.37
Debt to NOPAT		 9.99 4.23 2.97 4.43 13.27 15.18 11.84 21.65 29.75 27.45 45.97
Net Debt to NOPAT		 5.18 -2.23 1.08 2.66 11.95 13.69 10.01 17.99 26.31 25.61 41.91
Long-Term Debt to NOPAT		 9.99 4.23 2.97 4.43 13.27 15.18 11.84 21.65 29.75 27.45 45.97
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -468 4.90 462 664 53 -253 395 111 -285 -225 -470
Operating Cash Flow to CapEx		 914.10% 1,233.61% 2,854.30% 2,400.12% 944.00% 510.58% 1,064.27% 953.44% 1,350.65% 1,951.89% 1,087.19%
Free Cash Flow to Firm to Interest Expense		 -2.36 0.03 11.36 25.11 1.19 -3.56 6.92 2.54 -9.71 -11.33 -27.69
Operating Cash Flow to Interest Expense		 0.51 0.55 5.57 5.91 2.03 1.14 2.14 2.11 2.96 3.68 3.30
Operating Cash Flow Less CapEx to Interest Expense		 0.46 0.51 5.38 5.66 1.82 0.91 1.94 1.89 2.74 3.49 3.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 1.84 1.79 1.78 1.66 1.64 1.52 1.58 1.51 1.67 1.56 1.59
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,696 1,140 1,058 1,415 1,965 1,936 1,609 1,930 1,986 1,652 1,383
Invested Capital Turnover		 0.18 0.23 0.20 0.14 0.12 0.12 0.12 0.09 0.10 0.11 0.12
Increase / (Decrease) in Invested Capital		 556 82 -357 -550 29 327 -321 -56 334 269 490
Enterprise Value (EV)		 1,410 698 1,154 1,475 1,844 2,030 1,608 1,720 1,999 1,524 1,201
Market Capitalization		 952 892 1,041 1,174 862 1,009 866 743 701 397 328
Book Value per Share		 $26.79 $25.61 $23.24 $28.26 $26.47 $23.83 $20.80 $25.62 $19.72 $17.50 $22.48
Tangible Book Value per Share		 $20.10 $18.85 $16.83 $21.82 $20.09 $17.47 $14.57 $18.00 $16.06 $13.64 $17.18
Total Capital		 1,696 1,140 1,058 1,415 1,965 1,936 1,609 1,930 1,986 1,652 1,383
Total Debt		 884 367 312 503 1,090 1,132 878 1,176 1,468 1,208 958
Total Long-Term Debt		 884 367 312 503 1,090 1,132 878 1,176 1,468 1,208 958
Net Debt		 458 -194 113 301 982 1,021 742 977 1,298 1,127 873
Capital Expenditures (CapEx)		 11 6.47 7.94 6.50 9.59 16 12 9.62 6.42 3.74 5.15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 884 367 312 503 1,090 1,132 878 1,176 1,468 1,208 958
Total Depreciation and Amortization (D&A)		 19 16 29 33 35 25 25 27 26 28 21
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.92 $2.82 $3.27 $3.48 $2.47 $2.21 $2.12 $1.82 $1.86 $1.74 $1.09
Adjusted Weighted Average Basic Shares Outstanding		 30.39M 30.26M 31.39M 32.36M 32.76M 33.85M 33.69M 35.03M 28.57M 24.97M 24.11M
Adjusted Diluted Earnings per Share		 $2.91 $2.82 $3.26 $3.47 $2.47 $2.20 $2.11 $1.81 $1.86 $1.73 $1.09
Adjusted Weighted Average Diluted Shares Outstanding		 30.39M 30.26M 31.39M 32.36M 32.76M 33.85M 33.69M 35.03M 28.57M 24.97M 24.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $2.21 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.39M 30.26M 31.39M 32.36M 32.76M 33.85M 33.69M 35.03M 28.57M 24.97M 24.11M
Normalized Net Operating Profit after Tax (NOPAT)		 88 87 105 114 82 75 76 58 49 49 13
Normalized NOPAT Margin		 34.32% 34.56% 41.48% 47.88% 34.66% 35.14% 35.83% 31.78% 27.57% 28.22% 9.95%
Pre Tax Income Margin		 41.64% 40.31% 47.25% 54.76% 39.45% 41.37% 39.61% 38.82% 33.34% 29.71% 14.22%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.54 0.70 2.94 4.95 2.10 1.24 1.48 1.62 2.03 2.58 1.10
NOPAT to Interest Expense		 0.45 0.60 2.58 4.29 1.84 1.05 1.30 1.25 1.68 2.22 1.23
EBIT Less CapEx to Interest Expense		 0.49 0.65 2.75 4.70 1.88 1.01 1.27 1.40 1.81 2.39 0.80
NOPAT Less CapEx to Interest Expense		 0.39 0.55 2.39 4.04 1.63 0.83 1.10 1.03 1.46 2.03 0.92
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 49.30% 50.27% 42.79% 39.30% 52.59% 57.03% 56.62% 59.29% 52.61% 56.98% 86.01%
Augmented Payout Ratio		 51.00% 101.95% 74.88% 69.41% 90.31% 59.96% 120.28% 59.29% 73.28% 56.98% 86.01%

Quarterly Metrics And Ratios for Southside Bancshares

This table displays calculated financial ratios and metrics derived from Southside Bancshares' official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.59% 15.80% -0.74% 1.22% -3.54% -15.71% -2.55% 6.99% 9.65% 10.09% 7.89%
EBITDA Growth		 1.26% 42.05% 17.87% 5.74% -17.59% -41.64% -35.93% -9.83% 3.68% -4.42% -10.60%
EBIT Growth		 0.36% 35.46% 15.51% 1.44% -14.53% -38.92% -30.03% 2.64% 8.65% -4.59% -10.08%
NOPAT Growth		 -0.02% 25.81% 11.25% -0.88% -17.37% -37.42% -31.55% -2.02% 4.15% -3.55% -8.04%
Net Income Growth		 -0.02% 25.81% 11.25% -0.88% -17.37% -37.42% -31.55% -2.02% 4.15% -3.55% -8.04%
EPS Growth		 0.00% 22.41% 13.33% 0.00% -14.46% -32.56% -28.57% 2.53% 7.79% -2.27% -6.67%
Operating Cash Flow Growth		 -58.93% 168.58% -114.97% -52.08% 146.68% -411.74% -2.38% -19.35% -72.32% -33.88% 65.87%
Free Cash Flow Firm Growth		 -3,107.67% -728.72% -1,923.46% -1,077.94% 103.75% -116.77% -94.62% -103.86% -131.43% -33.62% 115.34%
Invested Capital Growth		 25.99% 48.78% 56.78% 37.49% 0.92% 7.73% -1.31% 5.54% 31.28% -25.21% -34.54%
Revenue Q/Q Growth		 -2.90% 3.70% -2.35% 3.32% 10.68% -11.11% -0.42% -1.54% -3.29% 2.77% 9.32%
EBITDA Q/Q Growth		 -5.63% 13.17% -15.67% 12.43% 32.39% -6.10% -24.35% -12.37% -6.25% 3.09% 6.47%
EBIT Q/Q Growth		 -0.82% 6.15% -16.63% 14.36% 33.86% -9.49% -26.79% -3.65% -4.33% 3.68% 7.40%
NOPAT Q/Q Growth		 -1.28% 6.15% -16.82% 14.70% 24.23% -6.14% -25.89% -4.38% -5.91% 2.66% 6.09%
Net Income Q/Q Growth		 -1.28% 6.15% -16.82% 14.70% 24.23% -6.14% -25.89% -4.38% -5.91% 2.66% 6.09%
EPS Q/Q Growth		 0.00% 4.41% -16.05% 14.08% 22.41% -3.33% -25.93% -2.41% -3.49% 2.38% 6.33%
Operating Cash Flow Q/Q Growth		 -38.31% 430.67% -171.19% -71.72% 203.01% -172.16% 127.95% 45.58% 30.18% -77.40% 88.32%
Free Cash Flow Firm Q/Q Growth		 42.99% 11.18% -54.80% -3,936.79% 115.71% -295.44% 200.00% 87.79% -170.30% -37.27% -28.29%
Invested Capital Q/Q Growth		 -6.81% -1.25% 13.33% 20.80% 10.04% 4.07% -0.61% -11.34% 17.47% -4.66% 6.29%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 48.04% 49.43% 45.30% 52.45% 48.20% 40.30% 38.14% 50.21% 56.42% 58.20% 58.02%
EBIT Margin		 40.93% 40.08% 39.15% 45.86% 41.43% 34.26% 33.64% 45.76% 46.76% 47.27% 46.86%
Profit (Net Income) Margin		 33.57% 33.02% 32.25% 37.86% 34.11% 30.39% 28.78% 38.67% 39.82% 40.92% 40.97%
Tax Burden Percent		 82.00% 82.38% 82.38% 82.56% 82.31% 88.70% 85.53% 84.49% 85.14% 86.57% 87.43%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.00% 17.62% 17.62% 17.44% 17.69% 11.30% 14.47% 15.51% 14.86% 13.43% 12.57%
Return on Invested Capital (ROIC)		 6.13% 6.00% 5.71% 7.21% 6.79% 6.93% 6.82% 9.48% 9.42% 8.38% 7.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.13% 6.00% 5.71% 7.21% 6.79% 6.93% 6.82% 9.48% 9.42% 8.38% 7.21%
Return on Net Nonoperating Assets (RNNOA)		 4.70% 4.74% 4.76% 4.84% 4.23% 3.10% 3.66% 4.11% 4.02% 4.12% 5.55%
Return on Equity (ROE)		 10.83% 10.74% 10.47% 12.06% 11.02% 10.03% 10.48% 13.59% 13.43% 12.50% 12.76%
Cash Return on Invested Capital (CROIC)		 -16.76% -32.97% -38.25% -25.31% 5.67% 0.45% 10.12% 4.44% -17.37% 37.34% 49.31%
Operating Return on Assets (OROA)		 1.27% 1.23% 1.19% 1.41% 1.28% 1.08% 1.14% 1.56% 1.62% 1.62% 1.59%
Return on Assets (ROA)		 1.04% 1.01% 0.98% 1.17% 1.05% 0.96% 0.98% 1.32% 1.38% 1.40% 1.39%
Return on Common Equity (ROCE)		 10.83% 10.74% 10.47% 12.06% 11.02% 10.03% 10.48% 13.59% 13.43% 12.50% 12.76%
Return on Equity Simple (ROE_SIMPLE)		 10.84% 0.00% 10.43% 10.23% 10.43% 0.00% 13.32% 13.79% 14.12% 0.00% 14.99%
Net Operating Profit after Tax (NOPAT)		 22 22 21 25 22 17 18 25 26 28 27
NOPAT Margin		 33.57% 33.02% 32.25% 37.86% 34.11% 30.39% 28.78% 38.67% 39.82% 40.92% 40.97%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.12% 46.08% 46.41% 45.10% 48.01% 49.83% 44.50% 43.78% 43.89% 41.22% 42.17%
Operating Expenses to Revenue		 57.88% 57.83% 57.09% 54.88% 58.47% 61.74% 55.46% 54.35% 53.30% 49.64% 50.87%
Earnings before Interest and Taxes (EBIT)		 26 26 25 30 26 20 22 29 31 32 31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 33 29 34 30 23 24 32 37 39 38
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 1.17 1.23 1.01 1.07 1.15 1.12 0.97 1.26 1.40 1.43
Price to Tangible Book Value (P/TBV)		 1.43 1.56 1.64 1.35 1.44 1.57 1.56 1.33 1.74 1.93 2.02
Price to Revenue (P/Rev)		 3.40 3.69 3.98 3.24 3.39 3.56 3.12 2.83 3.66 4.11 4.10
Price to Earnings (P/E)		 9.95 10.75 11.78 9.87 10.26 10.29 8.41 7.06 8.94 9.91 9.55
Dividend Yield		 4.97% 4.59% 4.37% 5.32% 5.05% 4.74% 5.20% 5.73% 4.54% 4.19% 4.28%
Earnings Yield		 10.05% 9.30% 8.49% 10.13% 9.75% 9.72% 11.89% 14.16% 11.19% 10.09% 10.48%
Enterprise Value to Invested Capital (EV/IC)		 0.77 0.83 0.82 0.71 0.67 0.61 0.78 0.79 0.91 1.09 1.10
Enterprise Value to Revenue (EV/Rev)		 4.69 5.47 5.69 4.30 3.38 2.78 3.28 3.33 4.36 4.56 4.94
Enterprise Value to EBITDA (EV/EBITDA)		 9.60 11.19 12.17 9.57 7.63 5.99 6.44 5.96 7.52 7.75 8.09
Enterprise Value to EBIT (EV/EBIT)		 11.29 13.13 14.10 11.03 8.69 6.91 7.55 7.12 9.25 9.65 10.06
Enterprise Value to NOPAT (EV/NOPAT)		 13.71 15.93 16.85 13.08 10.23 8.06 8.83 8.29 10.65 10.99 11.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 17.97 13.84 219.49 11.09 7.34 8.75 5.54 5.59 6.85 5.10 5.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 11.87 142.46 7.68 18.36 0.00 2.50 1.76
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.94 1.09 1.13 0.89 0.59 0.47 0.50 0.44 0.66 0.42 0.57
Long-Term Debt to Equity		 0.94 1.09 1.13 0.89 0.59 0.47 0.50 0.44 0.66 0.42 0.57
Financial Leverage		 0.77 0.79 0.83 0.67 0.62 0.45 0.54 0.43 0.43 0.49 0.77
Leverage Ratio		 10.41 10.60 10.65 10.32 10.49 10.43 10.74 10.30 9.71 8.94 9.20
Compound Leverage Factor		 10.41 10.60 10.65 10.32 10.49 10.43 10.74 10.30 9.71 8.94 9.20
Debt to Total Capital		 48.34% 52.13% 53.12% 47.15% 37.20% 32.17% 33.49% 30.58% 39.59% 29.51% 36.25%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 48.34% 52.13% 53.12% 47.15% 37.20% 32.17% 33.49% 30.58% 39.59% 29.51% 36.25%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 51.66% 47.87% 46.88% 52.85% 62.80% 67.83% 66.51% 69.42% 60.41% 70.49% 63.75%
Debt to EBITDA		 6.04 7.02 7.84 6.38 4.24 3.15 2.76 2.30 3.28 2.10 2.67
Net Debt to EBITDA		 2.64 3.63 3.66 2.34 -0.02 -1.66 0.31 0.89 1.21 0.76 1.38
Long-Term Debt to EBITDA		 6.04 7.02 7.84 6.38 4.24 3.15 2.76 2.30 3.28 2.10 2.67
Debt to NOPAT		 8.63 9.99 10.86 8.72 5.68 4.23 3.78 3.19 4.64 2.97 3.80
Net Debt to NOPAT		 3.76 5.18 5.07 3.20 -0.03 -2.23 0.42 1.23 1.71 1.08 1.96
Long-Term Debt to NOPAT		 8.63 9.99 10.86 8.72 5.68 4.23 3.78 3.19 4.64 2.97 3.80
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -305 -534 -602 -389 10 -64 33 -33 -270 384 613
Operating Cash Flow to CapEx		 989.67% 766.20% -487.78% 1,493.21% 2,270.82% -3,087.29% 4,318.34% 5,358.57% 1,082.50% 1,949.84% 3,924.33%
Free Cash Flow to Firm to Interest Expense		 -6.56 -11.14 -11.97 -7.68 0.21 -1.45 0.83 -1.00 -9.83 21.02 53.91
Operating Cash Flow to Interest Expense		 0.52 0.81 -0.23 0.33 1.18 -1.27 1.97 1.04 0.86 0.99 7.07
Operating Cash Flow Less CapEx to Interest Expense		 0.46 0.70 -0.28 0.30 1.13 -1.31 1.92 1.02 0.78 0.94 6.89
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 1.84 1.84 1.79 1.79 1.77 1.79 1.85 1.86 1.82 1.78 1.73
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,581 1,696 1,718 1,515 1,255 1,140 1,096 1,102 1,243 1,058 1,110
Invested Capital Turnover		 0.18 0.18 0.18 0.19 0.20 0.23 0.24 0.25 0.24 0.20 0.18
Increase / (Decrease) in Invested Capital		 326 556 622 413 11 82 -15 58 296 -357 -586
Enterprise Value (EV)		 1,213 1,410 1,416 1,072 840 698 857 875 1,129 1,154 1,219
Market Capitalization		 880 952 990 809 843 892 816 745 948 1,041 1,012
Book Value per Share		 $26.87 $26.79 $26.61 $26.45 $26.02 $25.61 $23.86 $24.74 $23.92 $23.24 $22.04
Tangible Book Value per Share		 $20.20 $20.10 $19.89 $19.73 $19.29 $18.85 $17.17 $18.12 $17.38 $16.83 $15.62
Total Capital		 1,581 1,696 1,718 1,515 1,255 1,140 1,096 1,102 1,243 1,058 1,110
Total Debt		 764 884 912 715 467 367 367 337 492 312 402
Total Long-Term Debt		 764 884 912 715 467 367 367 337 492 312 402
Net Debt		 333 458 426 263 -2.72 -194 41 130 182 113 207
Capital Expenditures (CapEx)		 2.42 5.07 2.41 1.10 2.57 1.83 1.82 0.64 2.18 0.93 2.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 764 884 912 715 467 367 367 337 492 312 402
Total Depreciation and Amortization (D&A)		 4.56 6.18 3.91 4.30 4.27 3.44 2.89 2.86 6.31 7.39 7.34
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.71 $0.72 $0.68 $0.81 $0.71 $0.58 $0.60 $0.81 $0.83 $0.87 $0.84
Adjusted Weighted Average Basic Shares Outstanding		 30.21M 30.39M 30.31M 30.27M 30.28M 30.26M 30.20M 30.53M 30.92M 31.39M 32.11M
Adjusted Diluted Earnings per Share		 $0.71 $0.71 $0.68 $0.81 $0.71 $0.58 $0.60 $0.81 $0.83 $0.86 $0.84
Adjusted Weighted Average Diluted Shares Outstanding		 30.21M 30.39M 30.31M 30.27M 30.28M 30.26M 30.20M 30.53M 30.92M 31.39M 32.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.21M 30.39M 30.31M 30.27M 30.28M 30.26M 30.20M 30.53M 30.92M 31.39M 32.11M
Normalized Net Operating Profit after Tax (NOPAT)		 22 22 21 25 22 17 18 25 26 28 27
Normalized NOPAT Margin		 33.57% 33.02% 32.25% 37.86% 34.11% 30.39% 28.78% 38.67% 39.82% 40.92% 40.97%
Pre Tax Income Margin		 40.93% 40.08% 39.15% 45.86% 41.43% 34.26% 33.64% 45.76% 46.76% 47.27% 46.86%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.56 0.55 0.50 0.59 0.53 0.44 0.54 0.89 1.11 1.75 2.71
NOPAT to Interest Expense		 0.46 0.45 0.41 0.49 0.44 0.39 0.46 0.76 0.95 1.51 2.37
EBIT Less CapEx to Interest Expense		 0.51 0.45 0.45 0.57 0.48 0.40 0.50 0.87 1.03 1.70 2.53
NOPAT Less CapEx to Interest Expense		 0.41 0.35 0.36 0.47 0.38 0.35 0.42 0.74 0.87 1.46 2.19
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 49.36% 49.30% 52.23% 53.29% 52.92% 50.27% 45.86% 42.38% 42.36% 42.79% 42.85%
Augmented Payout Ratio		 49.36% 51.00% 59.60% 67.73% 89.39% 101.95% 109.05% 95.43% 86.03% 74.88% 54.65%

Frequently Asked Questions About Southside Bancshares' Financials

When does Southside Bancshares's fiscal year end?

According to the most recent income statement we have on file, Southside Bancshares' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Southside Bancshares' net income changed over the last 10 years?

Southside Bancshares' net income appears to be on an upward trend, with a most recent value of $88.49 million in 2024, rising from $20.83 million in 2014. The previous period was $86.69 million in 2023. View Southside Bancshares' forecast to see where analysts expect Southside Bancshares to go next.

How has Southside Bancshares revenue changed over the last 10 years?

Over the last 10 years, Southside Bancshares' total revenue changed from $131.31 million in 2014 to $257.86 million in 2024, a change of 96.4%.

How much debt does Southside Bancshares have?

Southside Bancshares' total liabilities were at $7.71 billion at the end of 2024, a 2.6% increase from 2023, and a 75.8% increase since 2014.

How much cash does Southside Bancshares have?

In the past 10 years, Southside Bancshares' cash and equivalents has ranged from $54.29 million in 2015 to $122.02 million in 2023, and is currently $91.41 million as of their latest financial filing in 2024.

How has Southside Bancshares' book value per share changed over the last 10 years?

Over the last 10 years, Southside Bancshares' book value per share changed from 22.48 in 2014 to 26.79 in 2024, a change of 19.2%.


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This page (NASDAQ:SBSI) was last updated on 5/30/2025 by MarketBeat.com Staff
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