What is Southside Bancshares Inc's earnings per share (EPS)?

Southside Bancshares Inc (SBSI) reported diluted earnings per share of $2.29 for fiscal year 2025. This represents a -21.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Southside Bancshares Inc Financials

SBSI

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Southside Bancshares Inc (SBSI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SBSI FY2025 2026-04-30

A largely flat balance sheet is producing less profit per asset, while funding leans more on borrowings.

From FY2024 to FY2025, assets stayed essentially flat near $8.5B while return on assets slipped from 1.0% to 0.8% and net income fell to $69.2M. That combination points to a lower earnings yield on the same asset base, meaning the pressure came from asset profitability rather than from balance-sheet contraction.

Total liabilities edged down in FY2025, yet long-term debt nearly doubled to $300.0M. With debt-to-equity rising to 0.4x from 0.2x, funding relied more on borrowings even though the overall balance sheet barely moved.

Cash generation still covered shareholder payouts: operating cash flow was $93.8M and capital spending only $20.3M, leaving room for dividends and buybacks. But with EPS down to $2.29 against a dividend of $1.44, a larger share of earnings is now being distributed instead of rebuilt inside capital.

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Southside Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Southside Bancshares Inc's revenue declined 2.7% year-over-year, from $414.3M to $403.1M. This contraction results in a growth score of 43/100.

Leverage

Southside Bancshares Inc carries a low D/E ratio of 0.35, meaning only $0.35 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 95/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Southside Bancshares Inc converts 18.2% of revenue into free cash flow ($73.5M). This strong cash generation earns a score of 74/100.

Returns

Southside Bancshares Inc's ROE of 8.2% shows moderate profitability relative to equity, earning a score of 32/100. This is down from 10.9% the prior year.

Piotroski F-Score Weak

3/9

Southside Bancshares Inc passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.36x

For every $1 of reported earnings, Southside Bancshares Inc generates $1.36 in operating cash flow ($93.8M OCF vs $69.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$403.1M

YoY-2.7%

5Y CAGR+11.7%

10Y CAGR+10.1%

Southside Bancshares Inc generated $403.1M in revenue in fiscal year 2025. This represents a decrease of 2.7% from the prior year.

EBITDA

N/A

Net Income

$69.2M

YoY-21.8%

5Y CAGR-3.4%

10Y CAGR+4.6%

Southside Bancshares Inc reported $69.2M in net income in fiscal year 2025. This represents a decrease of 21.8% from the prior year.

EPS (Diluted)

$2.29

YoY-21.3%

5Y CAGR-1.5%

10Y CAGR+3.6%

Southside Bancshares Inc earned $2.29 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 21.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$73.5M

YoY-19.0%

5Y CAGR-1.5%

10Y CAGR+0.6%

Southside Bancshares Inc generated $73.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 19.0% from the prior year.

Cash & Debt

$389.8M

YoY-8.5%

5Y CAGR+29.2%

10Y CAGR+17.0%

Southside Bancshares Inc held $389.8M in cash against $300.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.44

YoY+0.0%

5Y CAGR+2.1%

10Y CAGR+4.1%

Southside Bancshares Inc paid $1.44 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

17.2%

YoY-4.2pp

5Y CAGR-18.3pp

10Y CAGR-11.3pp

Southside Bancshares Inc's net profit margin was 17.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.2 percentage points from the prior year.

Return on Equity

8.2%

YoY-2.7pp

5Y CAGR-1.2pp

10Y CAGR-1.7pp

Southside Bancshares Inc's ROE was 8.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$23.2M

YoY+1440.3%

5Y CAGR-5.6%

Southside Bancshares Inc spent $23.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1440.3% from the prior year.

Capital Expenditures

$20.3M

YoY+82.2%

5Y CAGR+12.2%

10Y CAGR+18.4%

Southside Bancshares Inc invested $20.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 82.2% from the prior year.

SBSI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$403.1M-2.7%	$414.3M+15.2%	$359.7M+42.2%	$253.0M+17.1%	$216.0M-6.8%	$231.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$90.3M0.0%	$90.3M+5.4%	$85.6M+3.6%	$82.6M+3.4%	$79.9M+3.5%	$77.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$182.0M-8.2%	$198.2M+37.0%	$144.7M+256.1%	$40.6M+53.8%	$26.4M-40.7%	$44.6M
Income Tax	$13.4M-29.0%	$18.9M+30.8%	$14.4M-1.2%	$14.6M-16.2%	$17.4M+53.7%	$11.3M
Net Income	$69.2M-21.8%	$88.5M+2.1%	$86.7M-17.5%	$105.0M-7.4%	$113.4M+38.0%	$82.2M
EPS (Diluted)	$2.29-21.3%	$2.91+3.2%	$2.82-13.5%	$3.26-6.1%	$3.47+40.5%	$2.47

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$102.3M-0.1%	$102.3M+0.4%	$101.9M+3.4%	$98.6M-1.7%	$100.3M-1.4%	$101.7M-3.8%	$105.7M+1.5%	$104.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$24.3M+6.6%	$22.8M+0.1%	$22.8M+2.4%	$22.3M-0.5%	$22.4M-2.5%	$23.0M+3.3%	$22.2M+1.1%	$22.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$44.6M-1.1%	$45.1M-2.4%	$46.2M+4.2%	$44.3M-4.6%	$46.4M-3.2%	$48.0M-4.5%	$50.2M-0.7%	$50.6M
Income Tax	$5.0M+33.3%	$3.8M+1900.5%	$189K-96.0%	$4.7M0.0%	$4.7M+1.3%	$4.7M+6.1%	$4.4M-15.8%	$5.2M
Net Income	$23.3M+10.8%	$21.0M+327.2%	$4.9M-77.5%	$21.8M+1.4%	$21.5M-1.3%	$21.8M+6.1%	$20.5M-16.8%	$24.7M
EPS (Diluted)	$0.78	N/A	$0.16-77.8%	$0.72+1.4%	$0.71	N/A	$0.68-16.0%	$0.81

SBSI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.5B0.0%	$8.5B+2.8%	$8.3B+9.6%	$7.6B+4.1%	$7.3B+3.6%	$7.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$389.8M-8.5%	$426.2M-24.0%	$560.5M+181.3%	$199.3M-1.2%	$201.8M+86.1%	$108.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M
Total Liabilities	$7.7B-0.5%	$7.7B+2.6%	$7.5B+10.3%	$6.8B+7.3%	$6.3B+3.5%	$6.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$300.0M+96.9%	$152.3M-1.2%	$154.1M-3.0%	$158.9M+0.1%	$158.8M-38.3%	$257.5M
Total Equity	$847.6M+4.4%	$811.9M+5.0%	$773.3M+3.7%	$746.0M-18.2%	$912.2M+4.2%	$875.3M
Retained Earnings	$352.2M+7.8%	$326.8M+15.7%	$282.4M+17.8%	$239.6M+33.3%	$179.8M+61.7%	$111.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$8.8B+3.4%	$8.5B+1.6%	$8.4B+0.5%	$8.3B0.0%	$8.3B-2.0%	$8.5B+1.9%	$8.4B+0.1%	$8.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$387.5M-0.6%	$389.8M-16.5%	$466.9M+19.7%	$390.1M-9.5%	$431.0M+1.1%	$426.2M-12.4%	$486.3M+7.6%	$452.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M
Total Liabilities	$7.9B+3.7%	$7.7B+1.6%	$7.5B+0.2%	$7.5B+0.1%	$7.5B-2.3%	$7.7B+2.0%	$7.6B0.0%	$7.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$207.8M-30.7%	$300.0M0.0%	$299.9M+96.8%	$152.4M0.0%	$152.4M0.0%	$152.3M0.0%	$152.3M0.0%	$152.2M
Total Equity	$854.9M+0.9%	$847.6M+1.5%	$834.9M+3.4%	$807.2M-1.2%	$816.6M+0.6%	$811.9M+0.8%	$805.3M+0.5%	$801.0M
Retained Earnings	$364.8M+3.6%	$352.2M+3.0%	$342.0M-1.7%	$348.0M+3.2%	$337.2M+3.2%	$326.8M+3.4%	$316.1M+3.1%	$306.6M

SBSI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$93.8M-7.9%	$101.8M+27.5%	$79.9M-64.7%	$226.5M+45.1%	$156.1M+72.5%	$90.5M
Capital Expenditures	$20.3M+82.2%	$11.2M+61.7%	$6.9M-25.8%	$9.3M+11.2%	$8.4M-26.8%	$11.4M
Free Cash Flow	$73.5M-19.0%	$90.7M+24.3%	$73.0M-66.4%	$217.2M+47.0%	$147.7M+86.8%	$79.1M
Investing Cash Flow	-$34.2M+91.1%	-$382.9M-17.1%	-$327.1M+48.5%	-$634.8M-227.2%	-$194.0M+13.3%	-$223.7M
Financing Cash Flow	-$96.0M-165.4%	$146.7M-75.9%	$608.5M+50.0%	$405.8M+209.2%	$131.2M+0.2%	$130.9M
Dividends Paid	$43.4M-0.6%	$43.6M+0.1%	$43.6M-3.0%	$44.9M+0.8%	$44.6M+3.2%	$43.2M
Share Buybacks	$23.2M+1440.3%	$1.5M-96.6%	$44.8M+32.9%	$33.7M-1.3%	$34.1M+10.2%	$31.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$49.0M+106.6%	$23.7M-41.0%	$40.2M+576.2%	$5.9M-75.2%	$23.9M-38.3%	$38.8M+430.7%	-$11.7M-171.2%	$16.5M
Capital Expenditures	$4.0M-43.4%	$7.1M+152.5%	$2.8M-64.4%	$7.9M+228.5%	$2.4M-52.3%	$5.1M+108.9%	$2.4M+119.9%	$1.1M
Free Cash Flow	$45.0M+171.2%	$16.6M-55.6%	$37.4M+1966.8%	-$2.0M-109.3%	$21.5M-36.2%	$33.7M+338.2%	-$14.2M-192.1%	$15.4M
Investing Cash Flow	-$208.7M-3.3%	-$202.0M-1036.4%	-$17.8M-231.2%	$13.6M-92.1%	$172.1M+168.8%	-$250.2M-1912.2%	$13.8M-62.2%	$36.5M
Financing Cash Flow	$157.4M+55.5%	$101.2M+86.0%	$54.4M+190.1%	-$60.4M+68.4%	-$191.2M-226.4%	$151.3M+369.4%	$32.2M+145.8%	-$70.4M
Dividends Paid	$10.7M-0.1%	$10.7M-0.9%	$10.8M-0.6%	$10.9M-0.5%	$10.9M+0.1%	$10.9M+0.2%	$10.9M0.0%	$10.9M
Share Buybacks	N/A	$10.6M+583.1%	$1.5M	N/A	N/A	-$5K	$0-100.0%	$1.5M

SBSI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.2%-4.2pp	21.4%-2.7pp	24.1%-17.4pp	41.5%-11.0pp	52.5%+17.1pp	35.4%
Return on Equity	8.2%-2.7pp	10.9%-0.3pp	11.2%-2.9pp	14.1%+1.7pp	12.4%+3.0pp	9.4%
Return on Assets	0.8%-0.2pp	1.0%-0.0pp	1.1%-0.3pp	1.4%-0.2pp	1.6%+0.4pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.35+0.2	0.19-0.0	0.20-0.0	0.21+0.0	0.17-0.1	0.29
FCF Margin	18.2%-3.7pp	21.9%+1.6pp	20.3%-65.6pp	85.9%+17.5pp	68.4%+34.3pp	34.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.8%+2.2pp	20.5%+15.7pp	4.8%-17.3pp	22.1%+0.7pp	21.4%+0.0pp	21.4%+2.0pp	19.4%-4.3pp	23.7%
Return on Equity	2.7%+0.2pp	2.5%+1.9pp	0.6%-2.1pp	2.7%+0.1pp	2.6%-0.1pp	2.7%+0.1pp	2.5%-0.5pp	3.1%
Return on Assets	0.3%0.0pp	0.3%+0.2pp	0.1%-0.2pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.24-0.1	0.350.0	0.36+0.2	0.190.0	0.190.0	0.190.0	0.190.0	0.19
FCF Margin	44.0%+27.8pp	16.2%-20.5pp	36.7%+38.7pp	-2.0%-23.5pp	21.5%-11.7pp	33.2%+46.6pp	-13.4%-28.2pp	14.8%

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Frequently Asked Questions

What is Southside Bancshares Inc's annual revenue?

Southside Bancshares Inc (SBSI) reported $403.1M in total revenue for fiscal year 2025. This represents a -2.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Southside Bancshares Inc's revenue growing?

Southside Bancshares Inc (SBSI) revenue declined by 2.7% year-over-year, from $414.3M to $403.1M in fiscal year 2025.

Is Southside Bancshares Inc profitable?

Yes, Southside Bancshares Inc (SBSI) reported a net income of $69.2M in fiscal year 2025, with a net profit margin of 17.2%.

How much debt does Southside Bancshares Inc have?

As of fiscal year 2025, Southside Bancshares Inc (SBSI) had $389.8M in cash and equivalents against $300.0M in long-term debt.

What is Southside Bancshares Inc's net profit margin?

Southside Bancshares Inc (SBSI) had a net profit margin of 17.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Southside Bancshares Inc pay dividends?

Yes, Southside Bancshares Inc (SBSI) paid $1.44 per share in dividends during fiscal year 2025.

What is Southside Bancshares Inc's return on equity (ROE)?

Southside Bancshares Inc (SBSI) has a return on equity of 8.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Southside Bancshares Inc's free cash flow?

Southside Bancshares Inc (SBSI) generated $73.5M in free cash flow during fiscal year 2025. This represents a -19.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Southside Bancshares Inc's operating cash flow?

Southside Bancshares Inc (SBSI) generated $93.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Southside Bancshares Inc's total assets?

Southside Bancshares Inc (SBSI) had $8.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Southside Bancshares Inc's capital expenditures?

Southside Bancshares Inc (SBSI) invested $20.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Southside Bancshares Inc buy back shares?

Yes, Southside Bancshares Inc (SBSI) spent $23.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Southside Bancshares Inc's debt-to-equity ratio?

Southside Bancshares Inc (SBSI) had a debt-to-equity ratio of 0.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Southside Bancshares Inc's return on assets (ROA)?

Southside Bancshares Inc (SBSI) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Southside Bancshares Inc's Piotroski F-Score?

Southside Bancshares Inc (SBSI) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Southside Bancshares Inc's earnings high quality?

Southside Bancshares Inc (SBSI) has an earnings quality ratio of 1.36x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Southside Bancshares Inc?

Southside Bancshares Inc (SBSI) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.