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. (SBSI) Financials

SBSI

Trailing 12 months to June 30, 2026

Revenue $248.2M -4.6% YoY

Net Income $76.0M -11.3% YoY

EPS (Diluted) $2.54 -9.9% YoY

Free Cash Flow $126.5M +223.5% YoY

Market Cap $905.6M as of Oct 14, 2026

Price / Sales 3.6x on $248.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.9x on $76.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $882.5M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 24, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 24, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SBSI SEC filings page.

Southside Bancshares, Inc. (SBSI) reported $248.2M in revenue over the twelve months to Jun 30, 2026, down 4.6% 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 AI SBSI FY2025 2026-10-04

Earnings weakened in FY2025 as balance-sheet leverage rose, while reported cash generation remained positive after capital spending.

The key change is not simply lower profit: debt-to-equity nearly doubled to 0.4x in FY2025 while ROA fell to 0.8%. That pairing points to more leverage arriving alongside weaker asset productivity, rather than leverage clearly translating into better returns.

Reported cash conversion remained favorable: operating cash flow was $93.8M against net income of $69.2M in FY2025, and the same relationship held in FY2024. Free cash flow of $73.5M remained positive after capital expenditures of $20.3M, indicating reinvestment consumed only part of internally generated cash.

Net income fell from $88.5M in FY2024 to $69.2M in FY2025, so the earnings setback was material rather than a denominator-only change. ROE fell to 8.2%, reinforcing that the larger equity base was not producing the prior return.

Financial Health Signals

Financial Health Score 52/100

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

Southside Bancshares, Inc. earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.0% the prior year. Earnings ranks banks on that return over three years, and Southside Bancshares, Inc. scores 56/100 among other banks.

Growth

Southside Bancshares, Inc. reported revenue of $237.0M in fiscal year 2025, against $257.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Southside Bancshares, Inc. scores 11/100 among other banks.

Capital

Southside Bancshares, Inc. funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $847.6M of equity against $8.5B of assets. Capital ranks banks on that cushion, and Southside Bancshares, Inc. scores 28/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Southside Bancshares, Inc. scores 63/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Southside Bancshares, Inc. scores 85/100 on it among other banks.

Stability

Southside Bancshares, Inc. reported net income of $69.2M in fiscal year 2025, against $88.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Southside Bancshares, Inc. scores 68/100 among other banks.

Piotroski F-Score Partial

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 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

$71.3M

YoY+7.4%

QoQ+1.5%

5Y CAGR+4.7%

10Y CAGR+5.2%

Southside Bancshares, Inc. generated $71.3M in revenue in Q2 2026. This represents an increase of 7.4% from the same quarter a year earlier. Against the prior quarter it is up 1.5%.

Net Income

$26.8M

YoY+23.0%

QoQ+15.4%

5Y CAGR+4.7%

10Y CAGR+8.9%

Southside Bancshares, Inc. reported $26.8M in net income in Q2 2026. This represents an increase of 23.0% from the same quarter a year earlier. Against the prior quarter it is up 15.4%.

EPS (Diluted)

$0.90

YoY+25.0%

QoQ+15.4%

5Y CAGR+6.7%

10Y CAGR+7.9%

Southside Bancshares, Inc. earned $0.90 per diluted share (EPS) in Q2 2026. This represents an increase of 25.0% from the same quarter a year earlier. Against the prior quarter it is up 15.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$27.5M

YoY+1474.6%

QoQ-38.8%

5Y CAGR+11.9%

10Y CAGR+13.4%

Southside Bancshares, Inc. generated $27.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 1474.6% from the same quarter a year earlier. Against the prior quarter it is down 38.8%.

Cash & Debt

$397.3M

YoY+1.8%

QoQ+2.5%

5Y CAGR+25.3%

10Y CAGR+20.0%

Southside Bancshares, Inc. held $397.3M in cash against $207.9M in long-term debt as of Q2 2026.

Dividends Per Share

$0.36

YoY0.0%

QoQ0.0%

5Y CAGR+1.8%

10Y CAGR+4.1%

Southside Bancshares, Inc. paid $0.36 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

30M

YoY-0.9%

QoQ+0.2%

5Y CAGR-1.8%

10Y CAGR+1.3%

Southside Bancshares, Inc. had 30M shares outstanding in Q2 2026. This represents a decrease of 0.9% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Margins & Returns

Net Margin

37.6%

YoY+4.8pp

QoQ+4.5pp

5Y change-0.1pp

10Y change+11.1pp

Southside Bancshares, Inc.'s net profit margin was 37.6% in Q2 2026, showing the share of revenue converted to profit. This is up 4.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.5 percentage points.

Return on Equity

3.0%

YoY+0.3pp

QoQ+0.3pp

5Y change+0.7pp

10Y change+0.6pp

Southside Bancshares, Inc.'s ROE was 3.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$4.7M

YoY-40.5%

QoQ+16.8%

5Y CAGR+17.5%

10Y CAGR+10.9%

Southside Bancshares, Inc. invested $4.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 40.5% from the same quarter a year earlier. Against the prior quarter it is up 16.8%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

SBSI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SBSI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$248.2M	$237.0M-8.1%	$257.9M+2.8%	$250.9M-0.9%	$253.2M+6.0%	$238.9M+0.8%	$237.0M+11.7%	$212.2M-0.3%	$212.8M+17.3%	$181.4M+1.4%	$179.0M+3.7%	$172.6M+31.4%	$131.3M-4.1%	$136.9M+6.0%	$129.1M-1.2%	$130.7M
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 (Basic)	N/A	$2.30-21.2%	$2.92+3.5%	$2.82-13.8%	$3.27-6.0%	$3.48+40.9%	$2.47+11.8%	$2.21+4.2%	$2.12+16.5%	$1.820.0%	$1.82+13.0%	$1.61+62.6%	$0.99-52.6%	$2.09+14.8%	$1.82-15.7%	$2.16
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
Diluted Shares (Avg)	N/A	30M-0.5%	30M-1.3%	31M-4.6%	32M-1.3%	33M-1.8%	33M-1.8%	34M-3.5%	35M+16.9%	30M+10.3%	27M-0.5%	27M+29.5%	21M+7.0%	20M+3.3%	19M+5.4%	18M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$71.3M+7.4%	$70.3M+9.7%	$62.8M-4.8%	$43.7M-31.3%	$66.4M+1.9%	$64.1M+1.6%	$66.0M+15.8%	$63.6M-0.7%
SG&A Expenses	$23.0M+3.1%	$24.3M+8.7%	$22.8M-0.6%	$22.8M+2.6%	$22.3M+1.3%	$22.4M-3.2%	$23.0M+8.5%	$22.2M+4.7%
Interest Expense	$46.6M+5.2%	$44.6M-4.0%	$45.1M-6.0%	$46.2M-8.1%	$44.3M-12.4%	$46.4M-6.0%	$48.0M+7.9%	$50.2M+26.2%
Income Tax	$5.7M+21.7%	$5.0M+6.8%	$3.8M-18.8%	$189K-95.7%	$4.7M-9.5%	$4.7M+2.1%	$4.7M+111.2%	$4.4M+40.7%
Net Income	$26.8M+23.0%	$23.3M+8.1%	$21.0M-3.7%	$4.9M-76.1%	$21.8M-11.6%	$21.5M0.0%	$21.8M+25.8%	$20.5M+11.2%
EPS (Basic)	$0.90+25.0%	$0.78+9.9%	$0.71-1.4%	$0.16-76.5%	$0.72-11.1%	$0.710.0%	$0.72+26.3%	$0.68+13.3%
EPS (Diluted)	$0.90+25.0%	$0.78+9.9%	$0.70-1.4%	$0.16-76.5%	$0.72-11.1%	$0.710.0%	$0.71+22.4%	$0.68+13.3%
Diluted Shares (Avg)	30M-1.4%	30M-2.1%	N/A	30M-0.8%	30M0.0%	30M+0.6%	N/A	30M-0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

SBSI Balance Sheet

SBSI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$8.8B+5.1%	$8.8B+5.5%	$8.5B0.0%	$8.4B+0.2%	$8.3B-0.2%	$8.3B-0.1%	$8.5B+2.8%	$8.4B+4.9%
Cash & Equivalents	$397.3M+1.8%	$387.5M-10.1%	$389.8M-8.5%	$466.9M-4.0%	$390.1M-13.7%	$431.0M-8.2%	$426.2M-24.0%	$486.3M+49.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%	$201.1M0.0%
Total Liabilities	$7.9B+4.6%	$7.9B+5.6%	$7.7B-0.5%	$7.5B-0.1%	$7.5B-0.3%	$7.5B-0.5%	$7.7B+2.6%	$7.6B+4.3%
Long-Term Debt	$207.9M+36.4%	$207.8M+36.4%	$300.0M+96.9%	$299.9M+96.9%	$152.4M+0.1%	$152.4M-1.2%	$152.3M-1.2%	$152.3M-1.2%
Total Equity	$882.5M+9.3%	$854.9M+4.7%	$847.6M+4.4%	$834.9M+3.7%	$807.2M+0.8%	$816.6M+3.6%	$811.9M+5.0%	$805.3M+10.5%
Retained Earnings	$380.8M+9.4%	$364.8M+8.2%	$352.2M+7.8%	$342.0M+8.2%	$348.0M+13.5%	$337.2M+15.1%	$326.8M+15.7%	$316.1M+14.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

SBSI Cash Flow Statement

SBSI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$10.6M+1.4%	$10.5M-1.1%	$10.6M-4.8%	$11.1M-2.8%	$11.4M-5.5%	$12.1M-0.2%	$12.1M-13.8%	$14.0M+37.6%	$10.2M+12.4%	$9.1M+5.3%	$8.6M+149.4%	$3.5M-10.0%	$3.8M+6.8%	$3.6M+5.9%	$3.4M
Stock-Based Compensation	N/A	$3.0M-13.5%	$3.5M-0.8%	$3.6M+10.3%	$3.2M+6.7%	$3.0M0.0%	$3.0M+26.5%	$2.4M+3.1%	$2.3M+27.7%	$1.8M+17.8%	$1.5M+10.5%	$1.4M+28.5%	$1.1M+19.2%	$911K+78.3%	$511K+95.8%	$261K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$32.2M+442.4%	$49.0M+104.8%	$23.7M-38.9%	$40.2M+442.6%	$5.9M-63.9%	$23.9M-58.9%	$38.8M+168.6%	-$11.7M-115.0%
Depreciation & Amortization	$2.7M-0.3%	$2.6M-1.5%	$2.6M-11.4%	$2.7M+5.4%	$2.7M+8.1%	$2.6M+6.0%	$2.9M+12.9%	$2.6M-4.7%
Stock-Based Compensation	N/A	$1.6M+79.1%	N/A	N/A	N/A	$914K+20.9%	N/A	N/A
Capital Expenditures	$4.7M-40.5%	$4.0M+67.3%	$7.1M+40.9%	$2.8M+16.6%	$7.9M+620.5%	$2.4M-5.7%	$5.1M+176.5%	$2.4M+29.3%
Free Cash Flow	$27.5M+1474.6%	$45.0M+109.1%	$16.6M-50.8%	$37.4M+363.9%	-$2.0M-113.0%	$21.5M-61.4%	$33.7M+157.8%	-$14.2M-118.5%
Investing Cash Flow	-$50.7M-474.3%	-$208.7M-221.3%	-$202.0M+19.3%	-$17.8M-228.8%	$13.6M-62.9%	$172.1M+194.0%	-$250.2M-3122.6%	$13.8M+113.8%
Financing Cash Flow	$28.3M+146.8%	$157.4M+182.3%	$101.2M-33.1%	$54.4M+68.8%	-$60.4M+14.2%	-$191.2M-670.3%	$151.3M-49.4%	$32.2M-77.1%
Dividends Paid	$10.7M-1.6%	$10.7M-2.1%	$10.7M-1.9%	$10.8M-0.8%	$10.9M-0.1%	$10.9M+0.4%	$10.9M-2.3%	$10.9M+2.0%
Share Buybacks	N/A	N/A	$10.6M+211100.0%	$1.5M	N/A	N/A	-$5K-99.9%	$0-100.0%

SBSI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SBSI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	29.2%-5.1pp	34.3%-0.2pp	34.6%-6.9pp	41.5%-6.0pp	47.5%+12.8pp	34.7%-0.5pp	35.1%+0.3pp	34.8%+4.9pp	29.9%+2.4pp	27.6%+2.1pp	25.5%+9.6pp	15.9%-14.2pp	30.1%+3.2pp	26.9%-3.1pp	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
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	31.0%-4.2pp	35.2%+6.1pp	29.1%-56.7pp	85.8%+24.0pp	61.8%+28.5pp	33.4%+2.9pp	30.5%-20.7pp	51.2%+5.9pp	45.3%+0.5pp	44.8%+4.7pp	40.1%+1.4pp	38.7%-0.6pp	39.3%-12.1pp	51.5%-1.8pp	53.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	37.6%+4.8pp	33.1%-0.5pp	33.4%+0.4pp	11.2%-21.0pp	32.9%-5.0pp	33.6%-0.5pp	33.0%+2.6pp	32.3%+3.5pp
Return on Equity	3.0%+0.3pp	2.7%+0.1pp	2.5%-0.2pp	0.6%-2.0pp	2.7%-0.4pp	2.6%-0.1pp	2.7%+0.4pp	2.5%0.0pp
Return on Assets	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.1%-0.2pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp
Debt-to-Equity	0.240.0x	0.24+0.1x	0.35+0.2x	0.36+0.2x	0.190.0x	0.190.0x	0.190.0x	0.190.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	38.6%+41.6pp	64.0%+30.4pp	26.4%-24.7pp	85.5%+107.7pp	-3.0%-26.6pp	33.6%-54.8pp	51.1%	-22.3%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Southside Bancshares, Inc. SBSI	FY2025	$237.0M	$69.2M	29.2%	$905.6M	52/100
First Mid Bancshares, Inc. FMBH	FY2025	$349.2M	$91.7M	26.3%	$1.3B	50/100
Burke & Herbert Financial Services Corp. BHRB	FY2025	$342.0M	$117.3M	34.3%	$1.4B	44/100
Univest Financial Corporation UVSP	FY2025	$328.1M	$90.8M	27.7%	$1.1B	57/100

Where Southside Bancshares, Inc. Ranks

Frequently Asked Questions

What is Southside Bancshares, Inc.'s annual revenue?

Southside Bancshares, Inc. (SBSI) reported $237.0M in total revenue for fiscal year 2025. This represents a -8.1% 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 8.1% year-over-year, from $257.9M to $237.0M 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 29.2%.

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 29.2% 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 P/E ratio?

Southside Bancshares, Inc. (SBSI) trades at 11.9x earnings, its market capitalization divided by net income of $76.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $905.6M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Southside Bancshares, Inc.'s price-to-sales ratio?

Southside Bancshares, Inc. (SBSI) trades at 3.6x sales, its market capitalization divided by revenue of $248.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $905.6M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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.