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Southside Bancshares (SBSI) Financials

Southside Bancshares logo
$32.34 +0.30 (+0.95%)
Closing price 03:59 PM Eastern
Extended Trading
$32.40 +0.06 (+0.19%)
As of 04:10 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 44 49 54 74 75 82 113 105 87 88 69
Consolidated Net Income / (Loss)		 44 49 54 74 75 82 113 105 87 88 69
Net Income / (Loss) Continuing Operations		 44 49 54 74 75 82 113 105 87 88 69
Total Pre-Tax Income 		51 60 70 84 88 93 131 120 101 107 83
Total Revenue		 173 179 181 213 212 237 239 253 251 258 237
Net Interest Income / (Expense)		 135 140 144 172 170 187 190 212 215 216 221
Total Interest Income		 155 169 187 229 241 232 216 253 360 414 403
Loans and Leases Interest Income		 96 107 118 159 170 158 145 170 245 279 276
Investment Securities Interest Income		 58 61 67 67 68 72 71 81 105 114 112
Other Interest Income		 0.30 1.19 3.01 3.51 2.99 1.47 0.61 1.99 9.67 21 16
Total Interest Expense		 20 29 44 57 71 45 26 41 145 198 182
Deposits Interest Expense		 10 14 21 36 45 25 9.40 29 108 154 151
Short-Term Borrowings Interest Expense		 - - - - 18 11 7.35 3.29 6.78 24 14
Long-Term Debt Interest Expense		 9.69 15 23 21 8.44 8.13 9.64 6.41 8.42 8.40 12
Other Interest Expense		 0.00 0.01 0.02 0.16 0.26 0.39 0.04 1.86 21 12 4.89
Total Non-Interest Income		 38 39 37 41 42 50 49 41 36 42 16
Trust Fees by Commissions		 5.63 5.62 6.24 8.82 8.35 7.40 9.34 9.33 9.22 10 13
Service Charges on Deposit Accounts		 - 21 22 25 26 24 26 26 25 24 24
Other Service Charges		 24 4.83 4.47 5.10 4.41 4.39 5.51 6.33 5.65 5.12 6.98
Net Realized & Unrealized Capital Gains on Investments		 5.74 5.63 2.45 -1.15 1.27 11 5.50 -3.29 -10 -2.47 -32
Other Non-Interest Income		 2.62 2.63 2.54 2.92 2.31 2.55 2.62 2.65 5.82 4.26 3.64
Provision for Credit Losses		 8.34 9.78 4.68 8.44 5.10 20 -17 3.24 9.15 3.35 3.05
Total Non-Interest Expense		 113 110 106 120 119 123 125 130 141 147 151
Salaries and Employee Benefits		 63 62 61 71 74 77 80 83 86 90 90
Net Occupancy & Equipment Expense		 16 17 15 18 18 19 20 22 24 26 26
Marketing Expense		 2.68 2.64 2.22 2.89 2.96 2.15 2.37 3.43 4.09 3.36 3.93
Property & Liability Insurance Claims		 2.51 2.14 1.77 1.87 0.86 1.12 1.81 1.95 3.56 3.79 3.76
Other Operating Expenses		 21 25 20 19 20 20 17 18 22 23 27
Amortization Expense		 2.30 1.94 1.96 5.21 4.42 3.62 2.85 2.27 1.70 1.17 0.74
Other Special Charges		 - - - - 0.00 0.00 1.12 0.00 0.00 0.00 0.00
Income Tax Expense		 7.28 10 16 10 13 11 17 15 14 19 13
Basic Earnings per Share		 $1.61 $1.82 $1.82 $2.12 $2.21 $2.47 $3.48 $3.27 $2.82 $2.92 $2.30
Weighted Average Basic Shares Outstanding		 26.62M 27.12M 29.84M 35M 33.70M 32.76M 32.36M 31.39M 30.26M 30.39M 29.74M
Diluted Earnings per Share		 $1.61 $1.81 $1.81 $2.11 $2.20 $2.47 $3.47 $3.26 $2.82 $2.91 $2.29
Weighted Average Diluted Shares Outstanding		 26.62M 27.12M 29.84M 35M 33.70M 32.76M 32.36M 31.39M 30.26M 30.39M 29.74M
Weighted Average Basic & Diluted Shares Outstanding		 26.62M 27.12M 29.84M 35M 33.70M 32.76M 32.36M 31.39M 30.26M 30.39M 29.74M
Cash Dividends to Common per Share		 $1.00 $1.01 $1.11 $1.20 $1.26 $1.30 $1.37 $1.40 $1.42 $1.44 $1.44

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 18 17 22 25 21 22 22 22 4.91 21 23
Consolidated Net Income / (Loss)		 18 17 22 25 21 22 22 22 4.91 21 23
Net Income / (Loss) Continuing Operations		 18 17 22 25 21 22 22 22 4.91 21 23
Total Pre-Tax Income 		22 20 26 30 25 26 26 27 5.10 25 28
Total Revenue		 64 57 63 65 64 66 64 66 44 63 70
Net Interest Income / (Expense)		 53 54 53 54 55 54 54 54 56 57 58
Total Interest Income		 93 99 103 104 106 102 100 99 102 102 102
Loans and Leases Interest Income		 64 67 68 70 72 70 68 67 70 71 71
Investment Securities Interest Income		 27 28 28 29 29 28 28 28 28 28 29
Other Interest Income		 2.05 3.64 6.37 5.70 4.87 4.26 4.33 3.59 4.20 3.53 2.56
Total Interest Expense		 40 44 49 51 50 48 46 44 46 45 45
Deposits Interest Expense		 31 36 38 38 39 38 37 37 39 38 37
Short-Term Borrowings Interest Expense		 1.17 1.43 5.95 6.46 6.49 5.56 5.84 3.72 2.85 1.27 0.98
Long-Term Debt Interest Expense		 2.14 2.16 2.13 2.11 2.12 2.04 1.95 1.95 3.34 5.00 4.49
Other Interest Expense		 5.54 5.24 3.13 3.55 3.10 1.92 1.41 1.20 1.23 1.06 2.54
Total Non-Interest Income		 11 2.50 9.72 12 8.17 12 10 12 -12 5.58 13
Trust Fees by Commissions		 2.28 2.38 2.35 2.54 2.70 2.83 2.89 3.10 3.25 3.50 3.57
Service Charges on Deposit Accounts		 6.48 6.31 5.99 6.16 6.20 6.08 5.83 6.13 6.07 6.42 5.93
Other Service Charges		 1.18 1.43 1.06 1.44 0.23 2.38 1.21 1.99 2.05 1.73 2.00
Net Realized & Unrealized Capital Gains on Investments		 0.11 -10 -0.45 -0.34 -1.81 0.14 -0.50 0.10 -24 -7.20 0.12
Other Non-Interest Income		 0.79 2.60 0.78 1.77 0.86 0.85 0.80 0.83 0.87 1.13 0.99
Provision for Credit Losses		 6.99 2.28 0.06 -0.49 2.39 1.38 0.76 0.62 1.09 0.58 1.41
Total Non-Interest Expense		 36 35 37 36 36 38 37 39 38 37 41
Salaries and Employee Benefits		 21 21 23 22 22 23 22 22 23 23 24
Net Occupancy & Equipment Expense		 6.23 6.12 6.22 6.61 6.56 6.56 6.24 6.65 6.53 6.57 6.56
Marketing Expense		 1.06 1.13 0.95 0.80 0.73 0.88 0.92 0.95 0.91 1.15 1.04
Property & Liability Insurance Claims		 0.90 0.89 0.94 0.98 0.94 0.93 0.95 0.96 0.92 0.94 0.94
Other Operating Expenses		 5.71 5.52 5.32 5.09 5.58 6.58 6.37 8.23 6.20 5.85 6.79
Amortization Expense		 0.41 0.37 0.34 0.31 0.28 0.25 0.22 0.20 0.17 0.15 0.13
Other Special Charges		 - - - - - - 0.00 - - - 0.79
Income Tax Expense		 3.12 2.21 4.62 5.21 4.39 4.66 4.72 4.72 0.19 3.78 5.04
Basic Earnings per Share		 $0.60 $0.58 $0.71 $0.81 $0.68 $0.72 $0.71 $0.72 $0.16 $0.71 $0.78
Weighted Average Basic Shares Outstanding		 30.20M 30.26M 30.28M 30.27M 30.31M 30.39M 30.21M 30.08M 30.07M 29.74M 29.75M
Diluted Earnings per Share		 $0.60 $0.58 $0.71 $0.81 $0.68 $0.71 $0.71 $0.72 $0.16 $0.70 $0.78
Weighted Average Diluted Shares Outstanding		 30.20M 30.26M 30.28M 30.27M 30.31M 30.39M 30.21M 30.08M 30.07M 29.74M 29.75M
Weighted Average Basic & Diluted Shares Outstanding		 30.20M 30.26M 30.28M 30.27M 30.31M 30.39M 30.21M 30.08M 30.07M 29.74M 29.75M
Cash Dividends to Common per Share		 $0.35 $0.37 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -3.68 89 29 -78 -10 -2.29 93 -2.50 361 -134 -36
Net Cash From Operating Activities		 73 87 92 122 81 91 156 227 80 102 94
Net Cash From Continuing Operating Activities		 73 87 92 122 81 91 156 226 80 101 94
Net Income / (Loss) Continuing Operations		 44 49 54 74 75 82 113 105 87 88 69
Consolidated Net Income / (Loss)		 44 49 54 74 75 82 113 105 87 88 69
Provision For Loan Losses		 8.34 9.78 4.68 8.44 5.10 20 -17 3.24 9.15 3.35 3.05
Depreciation Expense		 8.62 9.08 10 14 12 12 11 11 11 10 11
Amortization Expense		 19 17 16 11 13 23 22 18 4.92 8.19 9.42
Non-Cash Adjustments to Reconcile Net Income		 -5.63 -3.09 11 13 2.46 -12 7.19 8.50 9.92 6.04 37
Changes in Operating Assets and Liabilities, net		 -1.59 5.00 -4.47 1.53 -26 -36 19 80 -41 -16 -36
Net Cash From Investing Activities		 -384 -384 173 262 -567 -224 -194 -635 -327 -383 -34
Net Cash From Continuing Investing Activities		 -384 -384 173 262 -567 -224 -194 -635 -327 -383 -34
Purchase of Property, Leasehold Improvements and Equipment		 -3.77 -6.55 -9.63 -13 -16 -11 -8.37 -9.30 -6.90 -11 -20
Purchase of Investment Securities		 -1,355 -1,200 -769 -333 -1,542 -935 -694 -1,214 -2,433 -1,322 -1,130
Sale of Property, Leasehold Improvements and Equipment		 0.03 0.13 0.01 1.94 0.10 1.85 1.86 1.37 0.43 0.02 0.32
Sale and/or Maturity of Investments		 974 822 835 606 991 721 528 628 2,153 1,050 1,136
Other Investing Activities, net		 - - - - - - -21 -41 -40 -100 -20
Net Cash From Financing Activities		 308 386 -235 -462 476 131 131 406 608 147 -96
Net Cash From Continuing Financing Activities		 308 386 -235 -462 476 131 131 406 608 147 -96
Net Change in Deposits		 82 78 83 -106 273 249 790 476 352 105 211
Issuance of Debt		 23,022 8,257 2,786 4,202 6,915 21,896 14,998 3,321 2,019 8,144 3,903
Issuance of Common Equity		 1.37 77 1.48 1.48 1.45 1.42 1.35 1.23 1.22 1.16 0.95
Repayment of Debt		 -22,771 -7,997 -3,079 -4,500 -6,661 -21,937 -15,587 -3,512 -1,964 -7,626 -4,277
Repurchase of Common Equity		 0.00 -10 0.00 -47 -2.18 -31 -34 -34 -45 -1.51 -23
Payment of Dividends		 -25 -26 -32 -42 -43 -43 -45 -45 -44 -44 -43
Other Financing Activities, Net		 -1.57 6.56 4.59 30 -6.86 -3.89 7.15 198 289 -431 132
Cash Interest Paid		 20 27 43 56 70 47 29 39 137 199 179
Cash Income Taxes Paid		 8.50 5.70 11 2.00 11 12 11 12 16 16 13

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 119 235 -91 -17 34 -60 4.81 -41 77 -77 -2.31
Net Cash From Operating Activities		 78 -57 58 16 -12 39 24 5.95 40 24 49
Net Cash From Continuing Operating Activities		 78 -57 58 16 -12 38 24 5.95 40 24 49
Net Income / (Loss) Continuing Operations		 18 17 22 25 21 22 22 22 4.91 21 23
Consolidated Net Income / (Loss)		 18 17 22 25 21 22 22 22 4.91 21 23
Provision For Loan Losses		 6.99 2.28 0.06 -0.49 2.39 1.38 0.76 0.62 1.09 0.58 1.41
Depreciation Expense		 2.68 2.61 2.47 2.49 2.56 2.94 2.62 2.70 2.70 2.61 2.58
Amortization Expense		 0.20 0.84 1.80 1.80 1.35 3.23 1.94 2.01 2.42 3.05 3.01
Non-Cash Adjustments to Reconcile Net Income		 -0.39 9.79 2.68 0.90 3.50 -1.04 2.20 2.50 25 7.44 2.05
Changes in Operating Assets and Liabilities, net		 50 -89 30 -13 -42 9.64 -5.08 -24 3.78 -11 17
Net Cash From Investing Activities		 -100 -7.77 -183 37 14 -250 172 14 -18 -202 -209
Net Cash From Continuing Investing Activities		 -100 -7.77 -183 37 14 -250 172 14 -18 -202 -209
Purchase of Property, Leasehold Improvements and Equipment		 -1.88 -1.83 -2.57 -1.10 -2.43 -5.07 -2.42 -7.95 -2.83 -7.14 -4.05
Purchase of Investment Securities		 -513 -1,022 -438 -182 -216 -438 -123 -73 -503 -431 -335
Sale of Property, Leasehold Improvements and Equipment		 0.06 - -0.00 -0.00 0.02 0.00 0.00 -0.29 0.61 -0.00 -0.02
Sale and/or Maturity of Investments		 420 1,021 303 271 182 293 297 103 494 241 142
Other Investing Activities, net		 -5.10 -5.55 -46 - - - -0.38 -8.33 -6.48 -4.73 -12
Net Cash From Financing Activities		 141 299 34 -70 32 151 -191 -60 54 101 157
Net Cash From Continuing Financing Activities		 141 299 34 -70 32 151 -191 -60 54 101 157
Net Change in Deposits		 232 200 -3.93 -50 -60 219 -63 41 330 -96 9.33
Issuance of Debt		 331 360 1,580 2,160 2,329 2,075 1,670 1,046 778 410 900
Issuance of Common Equity		 0.31 0.32 0.31 0.29 0.29 0.27 0.26 0.25 0.23 0.22 0.23
Repayment of Debt		 -301 -360 -1,480 -1,912 -2,131 -2,103 -1,790 -1,146 -1,040 -300 -888
Payment of Dividends		 -11 -11 -11 -11 -11 -11 -11 -11 -11 -11 -11
Other Financing Activities, Net		 -105 115 -52 -256 -95 -28 3.11 20 -0.50 109 147
Cash Interest Paid		 34 48 51 49 50 48 45 45 45 43 48
Cash Income Taxes Paid		 4.25 3.50 0.00 7.00 5.00 3.75 0.00 8.75 3.75 0.45 0.00

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 5,162 5,564 6,498 6,123 6,749 7,008 7,260 7,559 8,285 8,517 8,515
Cash and Due from Banks		 54 59 79 87 67 87 91 106 122 91 81
Federal Funds Sold		 0.00 8.04 7.98 9.46 - - 0.00 84 47 53 5.80
Interest Bearing Deposits at Other Banks		 27 102 112 24 44 21 111 9.28 392 282 303
Trading Account Securities		 2,263 2,430 2,450 2,153 2,494 2,700 2,857 2,626 2,614 2,815 2,705
Loans and Leases, Net of Allowance		 2,412 2,539 3,274 3,286 3,543 3,609 3,610 4,111 4,482 4,617 4,773
Loans and Leases		 2,432 2,557 3,294 3,313 3,568 3,658 3,610 4,148 4,525 4,662 4,818
Allowance for Loan and Lease Losses		 20 18 21 27 25 49 - 37 43 45 45
Premises and Equipment, Net		 108 106 134 136 144 145 143 141 139 142 152
Goodwill		 92 92 201 201 201 201 201 201 201 201 201
Intangible Assets		 6.55 4.61 23 18 13 9.74 6.90 4.62 2.93 1.75 1.01
Other Assets		 200 223 218 194 243 236 3,851 275 285 315 292
Total Liabilities & Shareholders' Equity		 5,162 5,564 6,498 6,123 6,749 7,008 7,260 7,559 8,285 8,517 8,515
Total Liabilities		 4,718 5,045 5,744 5,392 5,944 6,133 6,347 6,813 7,512 7,706 7,667
Non-Interest Bearing Deposits		 672 704 1,037 995 1,040 1,355 1,645 1,672 1,390 1,357 1,433
Interest Bearing Deposits		 2,783 2,829 3,478 3,430 3,663 3,578 4,078 4,526 5,159 5,297 5,432
Federal Funds Purchased and Securities Sold		 2.43 7.10 9.50 37 28 23 23 221 510 76 209
Long-Term Debt		 1,208 1,468 1,176 878 1,132 1,090 503 312 367 884 511
Other Long-Term Liabilities		 52 37 43 53 82 87 99 81 85 91 82
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		 444 518 754 731 805 875 912 746 773 812 848
Total Preferred & Common Equity		 444 518 754 731 805 875 912 746 773 812 848
Total Common Equity		 444 518 754 731 805 875 912 746 773 812 848
Common Stock		 459 575 805 810 814 819 828 832 836 841 843
Retained Earnings		 42 30 33 65 80 111 180 240 282 327 352
Treasury Stock		 -38 -48 -47 -93 -94 -124 -155 -188 -232 -231 -252
Accumulated Other Comprehensive Income / (Loss)		 -19 -38 -36 -50 4.24 69 60 -137 -113 -125 -96

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 7,454 7,792 7,807 7,972 8,354 8,358 8,362 8,343 8,340 8,383 8,802
Cash and Due from Banks		 111 101 115 106 97 114 130 103 110 91 73
Federal Funds Sold		 81 57 78 114 65 65 22 34 20 11 17
Interest Bearing Deposits at Other Banks		 3.48 152 14 106 307 272 334 293 260 365 297
Trading Account Securities		 2,576 2,750 2,682 2,645 2,719 2,713 2,698 2,737 2,730 2,565 2,869
Loans and Leases, Net of Allowance		 4,027 4,116 4,293 4,379 4,534 4,547 4,534 4,523 4,558 4,720 4,900
Loans and Leases		 4,063 4,153 4,329 4,421 4,577 4,589 4,578 4,567 4,602 4,765 4,946
Allowance for Loan and Lease Losses		 37 36 36 42 44 42 44 45 44 45 46
Premises and Equipment, Net		 143 141 140 139 139 138 139 142 147 147 154
Goodwill		 201 201 201 201 201 201 201 201 201 201 201
Intangible Assets		 5.14 4.14 3.70 3.30 2.59 2.28 2.00 1.53 1.33 1.16 0.88
Other Assets		 307 4,385 281 279 288 304 303 308 312 281 289
Total Liabilities & Shareholders' Equity		 7,454 7,792 7,807 7,972 8,354 8,358 8,362 8,343 8,340 8,383 8,802
Total Liabilities		 6,746 7,041 7,042 7,244 7,566 7,557 7,557 7,527 7,533 7,548 7,947
Non-Interest Bearing Deposits		 1,760 1,543 1,467 1,431 1,359 1,367 1,377 1,380 1,368 1,412 1,374
Interest Bearing Deposits		 4,421 4,295 4,651 4,918 5,187 5,129 5,059 5,211 5,264 5,550 5,500
Federal Funds Purchased and Securities Sold		 75 626 500 395 458 201 106 80 100 99 356
Long-Term Debt		 402 492 337 367 467 715 912 764 664 401 524
Other Long-Term Liabilities		 88 85 87 132 96 145 103 92 137 86 194
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		 708 751 765 729 788 801 805 817 807 835 855
Total Preferred & Common Equity		 708 751 765 729 788 801 805 817 807 835 855
Total Common Equity		 708 751 765 729 788 801 805 817 807 835 855
Common Stock		 831 834 835 836 838 838 840 842 842 843 845
Retained Earnings		 224 255 269 276 293 307 316 337 348 342 365
Treasury Stock		 -167 -204 -222 -228 -232 -233 -232 -231 -241 -242 -252
Accumulated Other Comprehensive Income / (Loss)		 -181 -133 -116 -155 -111 -111 -118 -132 -141 -108 -103

Annual Metrics And Ratios for Southside Bancshares

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 30,066,126.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 30,066,126.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 2.30
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 31.42% 3.71% 1.38% 17.30% -0.31% 11.70% 0.80% 5.99% -0.92% 2.79% -8.07%
EBITDA Growth		 101.32% 7.88% 13.79% 12.92% 2.61% 14.40% 27.52% -9.28% -21.70% 8.06% -18.54%
EBIT Growth		 174.66% 16.38% 18.03% 19.69% 4.12% 6.51% 39.94% -8.56% -15.47% 6.18% -23.05%
NOPAT Growth		 111.19% 12.16% 10.06% 36.50% 0.56% 10.19% 38.04% -7.39% -17.45% 2.08% -21.78%
Net Income Growth		 111.19% 12.16% 10.06% 36.50% 0.56% 10.19% 38.04% -7.39% -17.45% 2.08% -21.78%
EPS Growth		 62.63% 12.42% 0.00% 16.57% 4.27% 12.27% 40.49% -6.05% -13.50% 3.19% -21.31%
Operating Cash Flow Growth		 30.24% 18.83% 5.77% 33.44% -34.15% 12.30% 72.45% 45.11% -64.74% 27.53% -7.89%
Free Cash Flow Firm Growth		 52.08% -26.63% 138.81% 257.32% -163.93% 120.97% 1,152.95% -30.43% -98.94% -9,636.81% 186.97%
Invested Capital Growth		 19.45% 20.23% -2.83% -16.63% 20.33% 1.51% -28.00% -25.21% 7.73% 48.78% -19.90%
Revenue Q/Q Growth		 6.82% -1.19% 3.45% 2.47% 0.52% 2.58% 0.76% 2.51% -4.06% 3.62% -1.32%
EBITDA Q/Q Growth		 38.99% 0.79% 2.76% 2.73% 1.49% 13.52% -1.03% -1.21% -12.32% 8.30% -2.09%
EBIT Q/Q Growth		 69.32% 0.47% 4.12% 4.62% 0.31% 17.09% -0.26% -1.27% -10.95% 6.89% -1.99%
NOPAT Q/Q Growth		 55.14% -0.19% -2.20% 10.51% -0.13% 17.50% -0.77% -0.96% -10.67% 5.32% -1.14%
Net Income Q/Q Growth		 55.14% -0.24% -2.24% 10.51% -0.06% 17.50% -0.77% -0.96% -10.67% 5.32% -1.14%
EPS Q/Q Growth		 65.98% 1.12% -4.23% 9.33% 0.46% 17.62% 0.00% -0.61% -9.03% 4.68% -0.43%
Operating Cash Flow Q/Q Growth		 32.15% 8.62% -5.90% 4.19% 1.72% 27.67% -7.59% -3.94% -48.34% 1,478.81% -13.85%
Free Cash Flow Firm Q/Q Growth		 58.42% 6.62% 5,962.39% -12.53% 37.03% -20.99% 79.62% -33.26% -95.61% 13.09% -26.26%
Invested Capital Q/Q Growth		 14.03% 10.14% 3.93% 9.28% -0.62% 0.73% -16.56% -4.66% 4.07% -1.25% 9.92%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.85% 47.70% 53.54% 51.54% 53.05% 54.33% 68.73% 58.83% 46.49% 48.87% 43.31%
EBIT Margin		 29.71% 33.34% 38.82% 39.61% 41.37% 39.45% 54.76% 47.25% 40.31% 41.64% 34.86%
Profit (Net Income) Margin		 25.49% 27.57% 29.93% 34.83% 35.14% 34.66% 47.47% 41.48% 34.56% 34.32% 29.20%
Tax Burden Percent		 85.80% 82.70% 77.11% 87.94% 84.94% 87.87% 86.68% 87.79% 85.72% 82.41% 83.77%
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		 14.20% 17.30% 22.89% 12.06% 15.06% 12.13% 13.32% 12.21% 14.28% 17.59% 16.23%
Return on Invested Capital (ROIC)		 2.90% 2.71% 2.77% 4.19% 4.21% 4.21% 6.71% 8.49% 7.89% 6.24% 4.53%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.90% 2.71% 2.77% 4.19% 4.21% 4.21% 6.71% 8.49% 7.89% 6.24% 4.53%
Return on Net Nonoperating Assets (RNNOA)		 7.22% 7.54% 5.76% 5.79% 5.50% 5.57% 5.98% 4.17% 3.53% 4.92% 3.81%
Return on Equity (ROE)		 10.12% 10.26% 8.54% 9.98% 9.71% 9.78% 12.69% 12.67% 11.41% 11.16% 8.34%
Cash Return on Invested Capital (CROIC)		 -14.83% -15.66% 5.65% 22.33% -14.25% 2.72% 39.27% 37.34% 0.45% -32.97% 26.62%
Operating Return on Assets (OROA)		 1.03% 1.11% 1.17% 1.34% 1.36% 1.36% 1.83% 1.61% 1.28% 1.28% 0.97%
Return on Assets (ROA)		 0.88% 0.92% 0.90% 1.17% 1.16% 1.19% 1.59% 1.42% 1.09% 1.05% 0.81%
Return on Common Equity (ROCE)		 10.12% 10.26% 8.54% 9.98% 9.71% 9.78% 12.69% 12.67% 11.41% 11.16% 8.34%
Return on Equity Simple (ROE_SIMPLE)		 9.91% 9.52% 7.20% 10.14% 9.27% 9.39% 12.43% 14.08% 11.21% 10.90% 8.17%
Net Operating Profit after Tax (NOPAT)		 44 49 54 74 75 82 113 105 87 88 69
NOPAT Margin		 25.49% 27.57% 29.93% 34.83% 35.14% 34.66% 47.47% 41.48% 34.56% 34.32% 29.20%
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		 47.48% 45.20% 43.04% 42.92% 44.47% 41.65% 42.77% 42.67% 45.37% 46.38% 50.71%
Operating Expenses to Revenue		 65.45% 61.19% 58.61% 56.43% 56.23% 52.03% 52.34% 51.47% 56.04% 57.06% 63.85%
Earnings before Interest and Taxes (EBIT)		 51 60 70 84 88 93 131 120 101 107 83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 79 85 97 110 113 129 164 149 117 126 103
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.89 1.35 0.98 1.18 1.25 0.98 1.29 1.40 1.15 1.17 1.07
Price to Tangible Book Value (P/TBV)		 1.15 1.66 1.40 1.69 1.71 1.30 1.67 1.93 1.57 1.56 1.40
Price to Revenue (P/Rev)		 2.30 3.92 4.09 4.07 4.75 3.64 4.91 4.11 3.56 3.69 3.81
Price to Earnings (P/E)		 9.03 14.20 13.67 11.68 13.53 10.49 10.35 9.91 10.29 10.75 13.06
Dividend Yield		 4.92% 2.85% 3.29% 4.79% 4.12% 4.80% 3.60% 4.19% 4.74% 4.59% 4.79%
Earnings Yield		 11.08% 7.04% 7.31% 8.56% 7.39% 9.53% 9.66% 10.09% 9.72% 9.30% 7.66%
Enterprise Value to Invested Capital (EV/IC)		 0.92 1.01 0.89 1.00 1.05 0.94 1.04 1.09 0.61 0.83 0.75
Enterprise Value to Revenue (EV/Rev)		 8.83 11.17 9.48 7.55 9.57 7.78 6.18 4.56 2.78 5.47 4.32
Enterprise Value to EBITDA (EV/EBITDA)		 19.26 23.42 17.70 14.66 18.03 14.32 8.98 7.75 5.99 11.19 9.98
Enterprise Value to EBIT (EV/EBIT)		 29.72 33.50 24.42 19.07 23.12 19.72 11.28 9.65 6.91 13.13 12.40
Enterprise Value to NOPAT (EV/NOPAT)		 34.64 40.51 31.66 21.68 27.22 22.44 13.01 10.99 8.06 15.93 14.81
Enterprise Value to Operating Cash Flow (EV/OCF)		 20.88 23.05 18.75 13.13 25.18 20.37 9.45 5.10 8.75 13.84 10.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 15.55 4.07 0.00 34.80 2.22 2.50 142.46 0.00 2.52
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.72 2.83 1.56 1.20 1.41 1.25 0.55 0.42 0.47 1.09 0.60
Long-Term Debt to Equity		 2.72 2.83 1.56 1.20 1.41 1.25 0.55 0.42 0.47 1.09 0.60
Financial Leverage		 2.49 2.78 2.08 1.38 1.31 1.32 0.89 0.49 0.45 0.79 0.84
Leverage Ratio		 11.47 11.15 9.48 8.50 8.38 8.19 7.98 8.94 10.43 10.60 10.26
Compound Leverage Factor		 11.47 11.15 9.48 8.50 8.38 8.19 7.98 8.94 10.43 10.60 10.26
Debt to Total Capital		 73.12% 73.91% 60.93% 54.55% 58.44% 55.46% 35.54% 29.51% 32.17% 52.13% 37.62%
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		 73.12% 73.91% 60.93% 54.55% 58.44% 55.46% 35.54% 29.51% 32.17% 52.13% 37.62%
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		 26.88% 26.09% 39.07% 45.45% 41.56% 44.54% 64.46% 70.49% 67.83% 47.87% 62.38%
Debt to EBITDA		 15.26 17.20 12.10 8.00 10.05 8.47 3.06 2.10 3.15 7.02 4.98
Net Debt to EBITDA		 14.24 15.21 10.06 6.76 9.07 7.62 1.83 0.76 -1.66 3.63 1.18
Long-Term Debt to EBITDA		 15.26 17.20 12.10 8.00 10.05 8.47 3.06 2.10 3.15 7.02 4.98
Debt to NOPAT		 27.45 29.75 21.65 11.84 15.18 13.27 4.43 2.97 4.23 9.99 7.38
Net Debt to NOPAT		 25.61 26.31 17.99 10.01 13.69 11.95 2.66 1.08 -2.23 5.18 1.75
Long-Term Debt to NOPAT		 27.45 29.75 21.65 11.84 15.18 13.27 4.43 2.97 4.23 9.99 7.38
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)		 -225 -285 111 395 -253 53 664 462 4.90 -468 407
Operating Cash Flow to CapEx		 1,951.89% 1,350.65% 953.44% 1,064.27% 510.58% 944.00% 2,400.12% 2,854.30% 1,233.61% 914.10% 468.71%
Free Cash Flow to Firm to Interest Expense		 -11.33 -9.71 2.54 6.92 -3.56 1.19 25.11 11.36 0.03 -2.36 2.23
Operating Cash Flow to Interest Expense		 3.68 2.96 2.11 2.14 1.14 2.03 5.91 5.57 0.55 0.51 0.52
Operating Cash Flow Less CapEx to Interest Expense		 3.49 2.74 1.89 1.94 0.91 1.82 5.66 5.38 0.51 0.46 0.41
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		 1.56 1.67 1.51 1.58 1.52 1.64 1.66 1.78 1.79 1.84 1.61
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,652 1,986 1,930 1,609 1,936 1,965 1,415 1,058 1,140 1,696 1,359
Invested Capital Turnover		 0.11 0.10 0.09 0.12 0.12 0.12 0.14 0.20 0.23 0.18 0.16
Increase / (Decrease) in Invested Capital		 269 334 -56 -321 327 29 -550 -357 82 556 -337
Enterprise Value (EV)		 1,524 1,999 1,720 1,608 2,030 1,844 1,475 1,154 698 1,410 1,025
Market Capitalization		 397 701 743 866 1,009 862 1,174 1,041 892 952 904
Book Value per Share		 $17.50 $19.72 $25.62 $20.80 $23.83 $26.47 $28.26 $23.24 $25.61 $26.79 $28.19
Tangible Book Value per Share		 $13.64 $16.06 $18.00 $14.57 $17.47 $20.09 $21.82 $16.83 $18.85 $20.10 $21.47
Total Capital		 1,652 1,986 1,930 1,609 1,936 1,965 1,415 1,058 1,140 1,696 1,359
Total Debt		 1,208 1,468 1,176 878 1,132 1,090 503 312 367 884 511
Total Long-Term Debt		 1,208 1,468 1,176 878 1,132 1,090 503 312 367 884 511
Net Debt		 1,127 1,298 977 742 1,021 982 301 113 -194 458 121
Capital Expenditures (CapEx)		 3.74 6.42 9.62 12 16 9.59 6.50 7.94 6.47 11 20
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)		 1,208 1,468 1,176 878 1,132 1,090 503 312 367 884 511
Total Depreciation and Amortization (D&A)		 28 26 27 25 25 35 33 29 16 19 20
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.74 $1.86 $1.82 $2.12 $2.21 $2.47 $3.48 $3.27 $2.82 $2.92 $2.30
Adjusted Weighted Average Basic Shares Outstanding		 24.97M 28.57M 35.03M 33.69M 33.85M 32.76M 32.36M 31.39M 30.26M 30.39M 29.74M
Adjusted Diluted Earnings per Share		 $1.73 $1.86 $1.81 $2.11 $2.20 $2.47 $3.47 $3.26 $2.82 $2.91 $2.29
Adjusted Weighted Average Diluted Shares Outstanding		 24.97M 28.57M 35.03M 33.69M 33.85M 32.76M 32.36M 31.39M 30.26M 30.39M 29.74M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.21 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.97M 28.57M 35.03M 33.69M 33.85M 32.76M 32.36M 31.39M 30.26M 30.39M 29.74M
Normalized Net Operating Profit after Tax (NOPAT)		 49 49 58 76 75 82 114 105 87 88 69
Normalized NOPAT Margin		 28.22% 27.57% 31.78% 35.83% 35.14% 34.66% 47.88% 41.48% 34.56% 34.32% 29.20%
Pre Tax Income Margin		 29.71% 33.34% 38.82% 39.61% 41.37% 39.45% 54.76% 47.25% 40.31% 41.64% 34.86%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.58 2.03 1.62 1.48 1.24 2.10 4.95 2.94 0.70 0.54 0.45
NOPAT to Interest Expense		 2.22 1.68 1.25 1.30 1.05 1.84 4.29 2.58 0.60 0.45 0.38
EBIT Less CapEx to Interest Expense		 2.39 1.81 1.40 1.27 1.01 1.88 4.70 2.75 0.65 0.49 0.34
NOPAT Less CapEx to Interest Expense		 2.03 1.46 1.03 1.10 0.83 1.63 4.04 2.39 0.55 0.39 0.27
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 56.98% 52.61% 59.29% 56.62% 57.03% 52.59% 39.30% 42.79% 50.27% 49.30% 62.66%
Augmented Payout Ratio		 56.98% 73.28% 59.29% 120.28% 59.96% 90.31% 69.41% 74.88% 101.95% 51.00% 96.15%

Quarterly Metrics And Ratios for Southside Bancshares

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 30,066,126.00 29,735,507.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 30,066,126.00 29,735,507.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.70 0.78
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.55% -15.71% -3.54% 1.22% -0.74% 15.80% 1.59% 1.91% -31.28% -4.79% 9.69%
EBITDA Growth		 -35.93% -41.64% -17.59% 5.74% 17.87% 42.05% 1.26% -8.61% -64.56% -6.73% 10.08%
EBIT Growth		 -30.03% -38.92% -14.53% 1.44% 15.51% 35.46% 0.36% -11.22% -79.52% -6.34% 7.90%
NOPAT Growth		 -31.55% -37.42% -17.37% -0.88% 11.25% 25.81% -0.02% -11.59% -76.06% -3.67% 8.15%
Net Income Growth		 -31.55% -37.42% -17.37% -0.88% 11.25% 25.81% -0.02% -11.59% -76.06% -3.67% 8.15%
EPS Growth		 -28.57% -32.56% -14.46% 0.00% 13.33% 22.41% 0.00% -11.11% -76.47% -1.41% 9.86%
Operating Cash Flow Growth		 -2.38% -411.74% 146.68% -52.08% -114.97% 168.58% -58.93% -63.94% 442.55% -38.85% 104.83%
Free Cash Flow Firm Growth		 -94.62% -116.77% 103.75% -1,077.94% -1,923.46% -728.72% -3,107.67% 117.03% 180.87% 167.09% 173.97%
Invested Capital Growth		 -1.31% 7.73% 0.92% 37.49% 56.78% 48.78% 25.99% -2.93% -28.03% -19.90% -12.78%
Revenue Q/Q Growth		 -0.42% -11.11% 10.68% 3.32% -2.35% 3.70% -2.90% 3.65% -34.16% 43.67% 11.87%
EBITDA Q/Q Growth		 -24.35% -6.10% 32.39% 12.43% -15.67% 13.17% -5.63% 1.47% -67.30% 197.88% 11.38%
EBIT Q/Q Growth		 -26.79% -9.49% 33.86% 14.36% -16.63% 6.15% -0.82% 1.16% -80.77% 385.46% 14.26%
NOPAT Q/Q Growth		 -25.89% -6.14% 24.23% 14.70% -16.82% 6.15% -1.28% 1.42% -77.48% 327.17% 10.83%
Net Income Q/Q Growth		 -25.89% -6.14% 24.23% 14.70% -16.82% 6.15% -1.28% 1.42% -77.48% 327.17% 10.83%
EPS Q/Q Growth		 -25.93% -3.33% 22.41% 14.08% -16.05% 4.41% 0.00% 1.41% -77.78% 337.50% 11.43%
Operating Cash Flow Q/Q Growth		 127.95% -172.16% 203.01% -71.72% -171.19% 430.67% -38.31% -75.17% 576.23% -40.97% 106.65%
Free Cash Flow Firm Q/Q Growth		 200.00% -295.44% 115.71% -3,936.79% -54.80% 11.18% 42.99% 121.73% 634.91% -26.31% -37.14%
Invested Capital Q/Q Growth		 -0.61% 4.07% 10.04% 20.80% 13.33% -1.25% -6.81% -6.93% -15.98% 9.92% 1.47%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 38.14% 40.30% 48.20% 52.45% 45.30% 49.43% 48.04% 47.04% 23.36% 48.43% 48.21%
EBIT Margin		 33.64% 34.26% 41.43% 45.86% 39.15% 40.08% 40.93% 39.95% 11.67% 39.42% 40.26%
Profit (Net Income) Margin		 28.78% 30.39% 34.11% 37.86% 32.25% 33.02% 33.57% 32.85% 11.24% 33.41% 33.09%
Tax Burden Percent		 85.53% 88.70% 82.31% 82.56% 82.38% 82.38% 82.00% 82.21% 96.30% 84.73% 82.19%
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		 14.47% 11.30% 17.69% 17.44% 17.62% 17.62% 18.00% 17.79% 3.70% 15.27% 17.81%
Return on Invested Capital (ROIC)		 6.82% 6.93% 6.79% 7.21% 5.71% 6.00% 6.13% 5.72% 1.83% 5.18% 5.44%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.82% 6.93% 6.79% 7.21% 5.71% 6.00% 6.13% 5.72% 1.83% 5.18% 5.44%
Return on Net Nonoperating Assets (RNNOA)		 3.66% 3.10% 4.23% 4.84% 4.76% 4.74% 4.70% 4.90% 1.46% 4.36% 4.19%
Return on Equity (ROE)		 10.48% 10.03% 11.02% 12.06% 10.47% 10.74% 10.83% 10.63% 3.29% 9.54% 9.63%
Cash Return on Invested Capital (CROIC)		 10.12% 0.45% 5.67% -25.31% -38.25% -32.97% -16.76% 8.71% 37.35% 26.62% 18.45%
Operating Return on Assets (OROA)		 1.14% 1.08% 1.28% 1.41% 1.19% 1.23% 1.27% 1.24% 0.33% 1.10% 1.14%
Return on Assets (ROA)		 0.98% 0.96% 1.05% 1.17% 0.98% 1.01% 1.04% 1.02% 0.32% 0.93% 0.94%
Return on Common Equity (ROCE)		 10.48% 10.03% 11.02% 12.06% 10.47% 10.74% 10.83% 10.63% 3.29% 9.54% 9.63%
Return on Equity Simple (ROE_SIMPLE)		 13.32% 0.00% 10.43% 10.23% 10.43% 0.00% 10.84% 10.61% 8.39% 0.00% 8.30%
Net Operating Profit after Tax (NOPAT)		 18 17 22 25 21 22 22 22 4.91 21 23
NOPAT Margin		 28.78% 30.39% 34.11% 37.86% 32.25% 33.02% 33.57% 32.85% 11.24% 33.41% 33.09%
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		 44.50% 49.83% 48.01% 45.10% 46.41% 46.08% 46.12% 44.98% 69.16% 48.61% 45.43%
Operating Expenses to Revenue		 55.46% 61.74% 58.47% 54.88% 57.09% 57.83% 57.88% 59.11% 85.84% 59.65% 57.73%
Earnings before Interest and Taxes (EBIT)		 22 20 26 30 25 26 26 27 5.10 25 28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 24 23 30 34 29 33 31 31 10 30 34
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.12 1.15 1.07 1.01 1.23 1.17 1.08 1.10 1.02 1.07 1.08
Price to Tangible Book Value (P/TBV)		 1.56 1.57 1.44 1.35 1.64 1.56 1.43 1.47 1.34 1.40 1.42
Price to Revenue (P/Rev)		 3.12 3.56 3.39 3.24 3.98 3.69 3.40 3.42 3.54 3.81 3.80
Price to Earnings (P/E)		 8.41 10.29 10.26 9.87 11.78 10.75 9.95 10.38 12.14 13.06 13.03
Dividend Yield		 5.20% 4.74% 5.05% 5.32% 4.37% 4.59% 4.97% 4.89% 5.10% 4.79% 4.63%
Earnings Yield		 11.89% 9.72% 9.75% 10.13% 8.49% 9.30% 10.05% 9.63% 8.24% 7.66% 7.68%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.61 0.67 0.71 0.82 0.83 0.77 0.79 0.63 0.75 0.77
Enterprise Value to Revenue (EV/Rev)		 3.28 2.78 3.38 4.30 5.69 5.47 4.69 4.47 3.26 4.32 4.36
Enterprise Value to EBITDA (EV/EBITDA)		 6.44 5.99 7.63 9.57 12.17 11.19 9.60 9.42 7.48 9.98 10.03
Enterprise Value to EBIT (EV/EBIT)		 7.55 6.91 8.69 11.03 14.10 13.13 11.29 11.17 9.30 12.40 12.52
Enterprise Value to NOPAT (EV/NOPAT)		 8.83 8.06 10.23 13.08 16.85 15.93 13.71 13.58 11.20 14.81 14.95
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.54 8.75 7.34 11.09 219.49 13.84 17.97 20.42 7.20 10.93 8.92
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.68 142.46 11.87 0.00 0.00 0.00 0.00 8.95 1.42 2.52 3.89
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.50 0.47 0.59 0.89 1.13 1.09 0.94 0.82 0.48 0.60 0.61
Long-Term Debt to Equity		 0.50 0.47 0.59 0.89 1.13 1.09 0.94 0.82 0.48 0.60 0.61
Financial Leverage		 0.54 0.45 0.62 0.67 0.83 0.79 0.77 0.86 0.80 0.84 0.77
Leverage Ratio		 10.74 10.43 10.49 10.32 10.65 10.60 10.41 10.38 10.21 10.26 10.26
Compound Leverage Factor		 10.74 10.43 10.49 10.32 10.65 10.60 10.41 10.38 10.21 10.26 10.26
Debt to Total Capital		 33.49% 32.17% 37.20% 47.15% 53.12% 52.13% 48.34% 45.13% 32.46% 37.62% 37.99%
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		 33.49% 32.17% 37.20% 47.15% 53.12% 52.13% 48.34% 45.13% 32.46% 37.62% 37.99%
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		 66.51% 67.83% 62.80% 52.85% 46.88% 47.87% 51.66% 54.87% 67.54% 62.38% 62.01%
Debt to EBITDA		 2.76 3.15 4.24 6.38 7.84 7.02 6.04 5.38 3.83 4.98 4.95
Net Debt to EBITDA		 0.31 -1.66 -0.02 2.34 3.66 3.63 2.64 2.22 -0.63 1.18 1.29
Long-Term Debt to EBITDA		 2.76 3.15 4.24 6.38 7.84 7.02 6.04 5.38 3.83 4.98 4.95
Debt to NOPAT		 3.78 4.23 5.68 8.72 10.86 9.99 8.63 7.75 5.73 7.38 7.38
Net Debt to NOPAT		 0.42 -2.23 -0.03 3.20 5.07 5.18 3.76 3.20 -0.94 1.75 1.92
Long-Term Debt to NOPAT		 3.78 4.23 5.68 8.72 10.86 9.99 8.63 7.75 5.73 7.38 7.38
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)		 33 -64 10 -389 -602 -534 -305 66 486 358 225
Operating Cash Flow to CapEx		 4,318.34% -3,087.29% 2,270.82% 1,493.21% -487.78% 766.20% 989.67% 72.19% 1,813.35% 332.12% 1,206.92%
Free Cash Flow to Firm to Interest Expense		 0.83 -1.45 0.21 -7.68 -11.97 -11.14 -6.56 1.49 10.53 7.95 5.06
Operating Cash Flow to Interest Expense		 1.97 -1.27 1.18 0.33 -0.23 0.81 0.52 0.13 0.87 0.53 1.10
Operating Cash Flow Less CapEx to Interest Expense		 1.92 -1.31 1.13 0.30 -0.28 0.70 0.46 -0.05 0.82 0.37 1.01
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		 1.85 1.79 1.77 1.79 1.79 1.84 1.84 1.82 1.68 1.61 1.64
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,096 1,140 1,255 1,515 1,718 1,696 1,581 1,471 1,236 1,359 1,379
Invested Capital Turnover		 0.24 0.23 0.20 0.19 0.18 0.18 0.18 0.17 0.16 0.16 0.16
Increase / (Decrease) in Invested Capital		 -15 82 11 413 622 556 326 -44 -482 -337 -202
Enterprise Value (EV)		 857 698 840 1,072 1,416 1,410 1,213 1,163 784 1,025 1,061
Market Capitalization		 816 892 843 809 990 952 880 889 850 904 924
Book Value per Share		 $23.86 $25.61 $26.02 $26.45 $26.61 $26.79 $26.87 $26.72 $27.75 $28.19 $28.75
Tangible Book Value per Share		 $17.17 $18.85 $19.29 $19.73 $19.89 $20.10 $20.20 $20.02 $21.03 $21.47 $21.96
Total Capital		 1,096 1,140 1,255 1,515 1,718 1,696 1,581 1,471 1,236 1,359 1,379
Total Debt		 367 367 467 715 912 884 764 664 401 511 524
Total Long-Term Debt		 367 367 467 715 912 884 764 664 401 511 524
Net Debt		 41 -194 -2.72 263 426 458 333 274 -66 121 136
Capital Expenditures (CapEx)		 1.82 1.83 2.57 1.10 2.41 5.07 2.42 8.24 2.22 7.15 4.06
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)		 367 367 467 715 912 884 764 664 401 511 524
Total Depreciation and Amortization (D&A)		 2.89 3.44 4.27 4.30 3.91 6.18 4.56 4.71 5.11 5.66 5.59
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.60 $0.58 $0.71 $0.81 $0.68 $0.72 $0.71 $0.72 $0.16 $0.71 $0.78
Adjusted Weighted Average Basic Shares Outstanding		 30.20M 30.26M 30.28M 30.27M 30.31M 30.39M 30.21M 30.08M 30.07M 29.74M 29.75M
Adjusted Diluted Earnings per Share		 $0.60 $0.58 $0.71 $0.81 $0.68 $0.71 $0.71 $0.72 $0.16 $0.70 $0.78
Adjusted Weighted Average Diluted Shares Outstanding		 30.20M 30.26M 30.28M 30.27M 30.31M 30.39M 30.21M 30.08M 30.07M 29.74M 29.75M
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		 30.20M 30.26M 30.28M 30.27M 30.31M 30.39M 30.21M 30.08M 30.07M 29.74M 29.75M
Normalized Net Operating Profit after Tax (NOPAT)		 18 17 22 25 21 22 22 22 4.91 21 24
Normalized NOPAT Margin		 28.78% 30.39% 34.11% 37.86% 32.25% 33.02% 33.57% 32.85% 11.24% 33.41% 34.02%
Pre Tax Income Margin		 33.64% 34.26% 41.43% 45.86% 39.15% 40.08% 40.93% 39.95% 11.67% 39.42% 40.26%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.54 0.44 0.53 0.59 0.50 0.55 0.56 0.60 0.11 0.55 0.64
NOPAT to Interest Expense		 0.46 0.39 0.44 0.49 0.41 0.45 0.46 0.49 0.11 0.47 0.52
EBIT Less CapEx to Interest Expense		 0.50 0.40 0.48 0.57 0.45 0.45 0.51 0.41 0.06 0.39 0.54
NOPAT Less CapEx to Interest Expense		 0.42 0.35 0.38 0.47 0.36 0.35 0.41 0.31 0.06 0.31 0.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.86% 50.27% 52.92% 53.29% 52.23% 49.30% 49.36% 50.99% 62.24% 62.66% 60.78%
Augmented Payout Ratio		 109.05% 101.95% 89.39% 67.73% 59.60% 51.00% 49.36% 63.92% 80.26% 96.15% 60.78%

Financials Breakdown Chart

Key Financial Trends

Southside Bancshares (NYSE: SBSI) shows key 2025 trends that could matter to investors. Net interest income has climbed through the year, aided by steady loan growth and an expanding deposit base. The balance sheet remains well-capitalized with a roughly 9–10% equity ratio and an asset base near $8.4 billion by mid-2025. However, earnings can be volatile from quarter to quarter, and Q4 2025 included a sizable cash outflow from investing activities, which can weigh on near-term liquidity despite positive operating cash flow in several quarters.

  • Net Interest Income rose through 2025, reaching about $57.2 million in Q4 2025, up from roughly $53.8 million in Q1 2025, signaling improving core banking margins.
  • Deposit base grew to about $7.0 billion by Q3 2025, up from around $6.6 billion mid-year, reflecting stronger core funding.
  • Loans and Leases, net of allowance, rose to about $4.72 billion by Q3 2025, a step up from earlier 2025 quarters, showing loan growth.
  • Earnings per share were around $0.71 (basic) in Q4 2025, with most 2025 quarters near $0.70, indicating solid profitability per share despite some quarterly volatility.
  • Cash dividends per share remained at $0.36 in 2025, supporting investor income expectations.
  • Total assets hovered around $8.38 billion in 2025, with total equity around the 9–10% of assets range, suggesting stable capitalization.
  • Net cash from operating activities was positive in multiple quarters (e.g., Q3 2025 and Q4 2025), indicating ongoing cash generation despite quarterly fluctuations.
  • Total non-interest income fluctuates between roughly $5–12 million per quarter, contributing modestly to revenue relative to net interest income.
  • Quarterly net income can be volatile; for example, Q3 2025 net income was about $4.9 million versus higher quarters, illustrating earnings variability.
  • Q4 2025 recorded a sizable negative cash flow from investing activities (about -$202 million), largely due to investment purchases, which weighs on near-term liquidity despite positive operations.
05/14/26 02:58 PM ETAI Generated. May Contain Errors.

Southside Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Southside Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Southside Bancshares' net income appears to be on an upward trend, with a most recent value of $69.22 million in 2025, rising from $44.00 million in 2015. The previous period was $88.49 million in 2024. Check out Southside Bancshares' forecast to explore projected trends and price targets.

Over the last 10 years, Southside Bancshares' total revenue changed from $172.57 million in 2015 to $237.04 million in 2025, a change of 37.4%.

Southside Bancshares' total liabilities were at $7.67 billion at the end of 2025, a 0.5% decrease from 2024, and a 62.5% increase since 2015.

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 $81.08 million as of their latest financial filing in 2025.

Over the last 10 years, Southside Bancshares' book value per share changed from 17.50 in 2015 to 28.19 in 2025, a change of 61.1%.


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Financial statements for NYSE:SBSI last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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