Source SEC Filings (10-K/10-Q)Latest period Q2 FY2026, ended Jun 30, 2026ReportedCurrency USDFYE December
Southside Bancshares Inc (SBSI) reported $410.4M in revenue
over the twelve months to Jun 30, 2026, up 1.0% from the prior twelve months.
This page shows its income statement, balance sheet, cash flow statement, and key financial ratios.
View 15 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 AISBSIFY2025
Stable assets are producing weaker returns while financing becomes more debt-dependent and reinvestment absorbs more cash.
The FY2025 earnings decline occurred without a shrinking balance sheet: assets stayed near $8.5B while return on assets fell to 0.8%, indicating poorer asset productivity rather than contraction. Revenue also slipped from $414M to $403M, so both top-line activity and returns on the asset base weakened together.
Cash conversion remained positive, but its cushion narrowed: free cash flow fell from $91M in FY2024 to $73M in FY2025. Capital expenditures rose from $11M to $20M, indicating that more internally generated cash was reinvested rather than retained as free cash.
Long-term debt rose from $152M to $300M in FY2025 while assets stayed essentially flat, making the financing mix more debt-dependent. Debt-to-equity increased from 0.2x to 0.4x even as equity grew, so the shift reflects added debt relative to capital rather than asset expansion.
Financial Health Signals
Financial Health Score52/100
Scored as: Banks peer group
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Earnings
56
Growth
12
Capital
27
Efficiency
64
Credit Quality
86
Stability
68
Piotroski F-ScorePartial
4/7
Southside Bancshares Inc passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
Earnings QualityCash-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.
Southside Bancshares Inc generated $403.1M in revenue in fiscal year 2025. This represents a decrease of 2.7% from the prior year.
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.
EBITDA
Not reported for fiscal year 2025.
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
YoY0.0%
5Y CAGR+2.1%
10Y CAGR+4.1%
Southside Bancshares Inc paid $1.44 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Shares Outstanding
30M
YoY-2.2%
5Y CAGR-1.9%
10Y CAGR+1.8%
Southside Bancshares Inc had 30M shares outstanding in fiscal year 2025. This represents a decrease of 2.2% from the prior year.
Margins & Returns
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.
Gross Margin
Not reported for fiscal year 2025.
Operating Margin
Not reported for fiscal year 2025.
Capital Allocation
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.
R&D Spending
Not reported for fiscal year 2025.
SBSI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
SBSI annual income statement
SBSI quarterly income statement
Metric
TTM
FY25
FY24
FY23
FY22
FY21
FY20
FY19
FY18
FY17
FY16
FY15
FY14
FY13
FY12
FY11
Revenue
$410.4M
$403.1M-2.7%
$414.3M+15.2%
$359.7M+42.2%
$253.0M+17.1%
$216.0M-6.8%
$231.8M-3.7%
$240.8M+5.1%
$229.2M+22.2%
$187.5M+11.0%
$168.9M+9.3%
$154.5M+24.8%
$123.8M+3.5%
$119.6M+3.1%
$116.0M-11.5%
$131.0M
SG&A Expenses
$92.9M
$90.3M0.0%
$90.3M+5.4%
$85.6M+3.6%
$82.6M+3.4%
$79.9M+3.5%
$77.2M+4.7%
$73.7M+4.4%
$70.6M+16.2%
$60.8M-1.4%
$61.6M-2.1%
$62.9M+3.5%
$60.8M+16.8%
$52.1M+8.3%
$48.1M+5.9%
$45.4M
Interest Expense
$182.4M
$182.0M-8.2%
$198.2M+37.0%
$144.7M+256.1%
$40.6M+53.8%
$26.4M-40.7%
$44.6M-37.2%
$71.0M+24.3%
$57.1M+31.3%
$43.5M+48.2%
$29.3M+47.8%
$19.9M+17.1%
$17.0M-5.6%
$18.0M-33.2%
$26.9M-24.5%
$35.6M
Income Tax
$14.8M
$13.4M-29.0%
$18.9M+30.8%
$14.4M-1.2%
$14.6M-16.2%
$17.4M+53.7%
$11.3M-14.3%
$13.2M+30.1%
$10.2M-37.0%
$16.1M+56.1%
$10.3M+41.8%
$7.3M+436.4%
-$2.2M-142.5%
$5.1M-33.0%
$7.6M-26.8%
$10.4M
Net Income
$76.0M
$69.2M-21.8%
$88.5M+2.1%
$86.7M-17.5%
$105.0M-7.4%
$113.4M+38.0%
$82.2M+10.2%
$74.6M+0.6%
$74.1M+36.5%
$54.3M+10.1%
$49.3M+12.2%
$44.0M+111.2%
$20.8M-49.4%
$41.2M+18.7%
$34.7M-11.3%
$39.1M
EPS (Diluted)
$2.54
$2.29-21.3%
$2.91+3.2%
$2.82-13.5%
$3.26-6.1%
$3.47+40.5%
$2.47+12.3%
$2.20+4.3%
$2.11+16.6%
$1.810.0%
$1.81+12.4%
$1.61+62.6%
$0.99-52.6%
$2.09+14.8%
$1.82-15.7%
$2.16
Metric
Q2'26
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Revenue
$103.9M+1.6%
$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
SG&A Expenses
$23.0M-5.6%
$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
Interest Expense
$46.6M+4.5%
$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
Income Tax
$5.7M+13.9%
$5.0M+33.3%
$3.8M+1900.5%
$189K-96.0%
$4.7M0.0%
$4.7M+1.3%
$4.7M+6.1%
$4.4M
Net Income
$26.8M+15.4%
$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
EPS (Diluted)
$0.90+15.4%
$0.78+11.4%
$0.70+337.5%
$0.16-77.8%
$0.72+1.4%
$0.710.0%
$0.71+4.4%
$0.68
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
SBSI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
SBSI annual balance sheet
SBSI quarterly balance sheet
Metric
FY25
FY24
FY23
FY22
FY21
FY20
FY19
FY18
FY17
FY16
FY15
FY14
FY13
FY12
FY11
Total Assets
$8.5B0.0%
$8.5B+2.8%
$8.3B+9.6%
$7.6B+4.1%
$7.3B+3.6%
$7.0B+3.8%
$6.7B+10.2%
$6.1B-5.8%
$6.5B+16.8%
$5.6B+7.8%
$5.2B+7.4%
$4.8B+39.5%
$3.4B+6.4%
$3.2B-2.0%
$3.3B
Cash & Equivalents
$389.8M-8.5%
$426.2M-24.0%
$560.5M+181.3%
$199.3M-1.2%
$201.8M+86.1%
$108.4M-2.1%
$110.7M-8.3%
$120.7M-39.2%
$198.7M+17.1%
$169.7M+109.5%
$81.0M-4.3%
$84.7M+55.5%
$54.4M-63.9%
$150.6M+248.4%
$43.2M
Goodwill
$201.1M0.0%
$201.1M0.0%
$201.1M0.0%
$201.1M0.0%
$201.1M0.0%
$201.1M0.0%
$201.1M0.0%
$201.1M-0.1%
$201.2M+119.9%
$91.5M0.0%
$91.5M+0.2%
$91.4M+314.7%
$22.0M0.0%
$22.0M0.0%
$22.0M
Total Liabilities
$7.7B-0.5%
$7.7B+2.6%
$7.5B+10.3%
$6.8B+7.3%
$6.3B+3.5%
$6.1B+3.2%
$5.9B+10.2%
$5.4B-6.1%
$5.7B+13.8%
$5.0B+6.9%
$4.7B+7.7%
$4.4B+37.5%
$3.2B+6.9%
$3.0B-2.1%
$3.0B
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+62.1%
$158.8M+0.1%
$158.7M+0.1%
$158.5M+0.1%
$158.3M-71.9%
$562.5M-14.8%
$660.4M+18.0%
$559.7M+30.3%
$429.4M+33.8%
$321.0M
Total Equity
$847.6M+4.4%
$811.9M+5.0%
$773.3M+3.7%
$746.0M-18.2%
$912.2M+4.2%
$875.3M+8.8%
$804.6M+10.0%
$731.3M-3.0%
$754.1M+45.5%
$518.3M+16.7%
$444.1M+4.4%
$425.2M+63.9%
$259.5M+0.7%
$257.8M-0.4%
$258.9M
Retained Earnings
$352.2M+7.8%
$326.8M+15.7%
$282.4M+17.8%
$239.6M+33.3%
$179.8M+61.7%
$111.2M+38.5%
$80.3M+23.9%
$64.8M+97.2%
$32.9M+9.1%
$30.1M-27.5%
$41.5M-25.0%
$55.4M-29.6%
$78.7M+11.3%
$70.7M-2.7%
$72.6M
Metric
Q2'26
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Total Assets
$8.8B-0.4%
$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
Cash & Equivalents
$397.3M+2.5%
$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
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-0.8%
$7.9B+3.7%
$7.7B+1.6%
$7.5B+0.2%
$7.5B+0.1%
$7.5B-2.3%
$7.7B+2.0%
$7.6B
Long-Term Debt
$207.9M0.0%
$207.8M-30.7%
$300.0M0.0%
$299.9M+96.8%
$152.4M0.0%
$152.4M0.0%
$152.3M0.0%
$152.3M
Total Equity
$882.5M+3.2%
$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
Retained Earnings
$380.8M+4.4%
$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
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
SBSI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
SBSI annual cash flow statement
SBSI quarterly cash flow statement
Metric
TTM
FY25
FY24
FY23
FY22
FY21
FY20
FY19
FY18
FY17
FY16
FY15
FY14
FY13
FY12
FY11
Operating Cash Flow
$145.2M
$93.8M-7.9%
$101.8M+27.5%
$79.9M-64.7%
$226.5M+45.1%
$156.1M+72.5%
$90.5M+12.3%
$80.6M-34.1%
$122.4M+33.4%
$91.7M+5.8%
$86.7M+18.8%
$73.0M+30.2%
$56.0M-5.8%
$59.5M-14.5%
$69.6M-5.5%
$73.6M
Capital Expenditures
$18.7M
$20.3M+82.2%
$11.2M+61.7%
$6.9M-25.8%
$9.3M+11.2%
$8.4M-26.8%
$11.4M-28.0%
$15.9M+18.1%
$13.4M+39.6%
$9.6M+47.1%
$6.5M+73.9%
$3.8M-27.1%
$5.2M-8.8%
$5.7M+82.1%
$3.1M-20.6%
$3.9M
Free Cash Flow
$126.5M
$73.5M-19.0%
$90.7M+24.3%
$73.0M-66.4%
$217.2M+47.0%
$147.7M+86.8%
$79.1M+22.2%
$64.7M-40.6%
$109.0M+32.7%
$82.1M+2.4%
$80.2M+15.8%
$69.2M+36.1%
$50.9M-5.5%
$53.8M-19.0%
$66.5M-4.6%
$69.7M
Investing Cash Flow
-$479.3M
-$34.2M+91.1%
-$382.9M-17.1%
-$327.1M+48.5%
-$634.8M-227.2%
-$194.0M+13.3%
-$223.7M+60.5%
-$566.8M-316.4%
$261.9M+51.6%
$172.7M+144.9%
-$384.4M0.0%
-$384.4M-471.3%
-$67.3M+81.7%
-$367.8M-368.2%
$137.2M+140.2%
-$341.3M
Financing Cash Flow
$341.2M
-$96.0M-165.4%
$146.7M-75.9%
$608.5M+50.0%
$405.8M+209.2%
$131.2M+0.2%
$130.9M-72.5%
$476.2M+203.0%
-$462.3M-96.4%
-$235.4M-160.9%
$386.4M+25.5%
$307.7M+641.9%
$41.5M-80.4%
$212.1M+313.5%
-$99.3M-142.8%
$231.9M
Dividends Paid
$43.0M
$43.4M-0.6%
$43.6M+0.1%
$43.6M-3.0%
$44.9M+0.8%
$44.6M+3.2%
$43.2M+1.6%
$42.5M+1.3%
$42.0M+30.4%
$32.2M+24.0%
$26.0M+3.6%
$25.1M+39.9%
$17.9M+11.4%
$16.1M-15.7%
$19.1M+30.1%
$14.7M
Share Buybacks
N/A
$23.2M+1440.3%
$1.5M-96.6%
$44.8M+32.9%
$33.7M-1.3%
$34.1M+10.2%
$31.0M+1320.9%
$2.2M-95.4%
$47.2M
$0-100.0%
$10.2M
$0
$0-100.0%
$1.9M-74.4%
$7.4M
$0
Metric
Q2'26
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Operating Cash Flow
$32.2M-34.2%
$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
Capital Expenditures
$4.7M+16.8%
$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
Free Cash Flow
$27.5M-38.8%
$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
Investing Cash Flow
-$50.7M+75.7%
-$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
Financing Cash Flow
$28.3M-82.0%
$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
Dividends Paid
$10.7M+0.1%
$10.7M-0.1%
$10.7M-0.9%
$10.8M-0.6%
$10.9M-0.5%
$10.9M+0.1%
$10.9M+0.2%
$10.9M
Share Buybacks
N/A
N/A
$10.6M+583.1%
$1.5M
N/A
N/A
-$5K
$0
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
SBSI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
SBSI annual financial ratios
SBSI quarterly financial ratios
Metric
FY25
FY24
FY23
FY22
FY21
FY20
FY19
FY18
FY17
FY16
FY15
FY14
FY13
FY12
FY11
Net Margin
17.2%-4.2pp
21.4%-2.7pp
24.1%-17.4pp
41.5%-11.0pp
52.5%+17.1pp
35.4%+4.5pp
31.0%-1.4pp
32.4%+3.4pp
29.0%-0.3pp
29.2%+0.8pp
28.5%+11.6pp
16.8%-17.6pp
34.4%+4.5pp
29.9%0.0pp
29.9%
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%+0.1pp
9.3%-0.9pp
10.1%+2.9pp
7.2%-2.3pp
9.5%-0.4pp
9.9%+5.0pp
4.9%-11.0pp
15.9%+2.4pp
13.5%-1.7pp
15.1%
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%+0.1pp
1.1%-0.1pp
1.2%+0.4pp
0.8%-0.1pp
0.9%0.0pp
0.9%+0.4pp
0.4%-0.8pp
1.2%+0.1pp
1.1%-0.1pp
1.2%
Debt-to-Equity
0.35+0.2x
0.190.0x
0.200.0x
0.210.0x
0.17-0.1x
0.29+0.1x
0.200.0x
0.220.0x
0.21-0.1x
0.31-1.0x
1.27-0.3x
1.55-0.6x
2.16+0.5x
1.67+0.4x
1.24
FCF Margin
18.2%-3.7pp
21.9%+1.6pp
20.3%-65.6pp
85.9%+17.5pp
68.4%+34.3pp
34.1%+7.2pp
26.9%-20.7pp
47.5%+3.8pp
43.8%-3.7pp
47.5%+2.7pp
44.8%+3.7pp
41.1%-3.9pp
45.0%-12.3pp
57.3%+4.1pp
53.2%
Metric
Q2'26
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Net Margin
25.8%+3.1pp
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%
Return on Equity
3.0%+0.3pp
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%
Return on Assets
0.3%+0.1pp
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%
Debt-to-Equity
0.240.0x
0.24-0.1x
0.350.0x
0.36+0.2x
0.190.0x
0.190.0x
0.190.0x
0.19
FCF Margin
26.5%-17.5pp
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%
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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%.
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.
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.
How many shares does Southside Bancshares Inc have outstanding?
Southside Bancshares Inc (SBSI) had 30M shares outstanding as of fiscal year 2025.
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 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.
