Southside Bancshares Stock Price, News & Analysis

Southside Bancshares, Inc. (NYSE: SBSI) is a bank holding company in the commercial banking industry, operating in the finance and insurance sector. The company is headquartered in Tyler, Texas and wholly owns Southside Bank, a community-focused financial institution that has been serving customers since 1960. Southside Bancshares’ common stock is listed on the New York Stock Exchange and, according to a November 2025 press release, is also dual-listed on NYSE Texas, Inc., trading under the same ticker symbol SBSI.

Through Southside Bank, the company offers a full range of banking products and services to individuals and businesses. These offerings, as described in multiple company news releases, include consumer and commercial loans, mortgages, deposit accounts, safe deposit boxes, treasury management, wealth management, trust services, brokerage services, and a variety of online and mobile banking services. Southside Bank also provides safe deposit and related services that support traditional branch-based banking.

Southside Bancshares’ primary geographic footprint is within Texas. The bank operates dozens of branches and an extensive network of ATMs/ITMs across East Texas, Southeast Texas, and the greater Dallas/Fort Worth, Austin, and Houston areas. The company’s public communications emphasize its role as a community-focused institution, reflecting a strategy centered on serving local markets within the state.

Business model and operations

According to the company’s descriptions in earnings releases and dividend announcements, Southside Bancshares operates as a traditional bank holding company. Its banking subsidiary generates income from lending activities, deposit services, and fee-based lines of business such as trust, wealth management, and brokerage services. The bank offers both consumer and commercial loans, including mortgages, and supports these lending activities with a broad deposit base.

Southside Bancshares also manages an investment securities portfolio and uses wholesale funding and subordinated debt as part of its capital and liquidity structure. For example, an August 2025 Form 8-K details the issuance of 7.00% fixed-to-floating rate subordinated notes due 2035, intended to qualify as Tier 2 capital for regulatory purposes. A January 2026 Form 8-K describes the planned redemption of previously issued 3.875% fixed-to-floating rate subordinated notes due 2030. These filings illustrate how the company uses subordinated debt within its capital structure.

Market footprint and community focus

Company press releases describe Southside Bank as a community-focused financial institution. Its branch network and ATM/ITM presence are concentrated in Texas markets, including East Texas, Southeast Texas, and major metropolitan areas such as Dallas/Fort Worth, Austin, and Houston. This footprint positions the bank to serve a mix of retail and commercial customers within the state.

The bank’s services to individuals include consumer loans, mortgages, deposit accounts, safe deposit boxes, and digital banking options. For businesses, the company highlights commercial loans, treasury management, and other services that support day-to-day financial operations. Wealth management and trust services, as well as brokerage services, provide additional fee-based revenue streams.

Regulatory filings and capital activities

Southside Bancshares regularly files reports and current reports on Form 8-K with the U.S. Securities and Exchange Commission. Recent 8-K filings referenced in the input include:

• Disclosure of quarterly financial results and incorporation of related earnings press releases (Item 2.02).
• Entry into a material definitive agreement and creation of a direct financial obligation related to the issuance of subordinated notes (Items 1.01 and 2.03 in August 2025).
• Board actions regarding stock repurchase authorizations and corporate governance matters (Item 5.02 and Item 8.01 in October 2025).
• A January 2026 notice of redemption for outstanding 3.875% fixed-to-floating rate subordinated notes due 2030 (Item 8.01).

These filings show that Southside Bancshares uses capital markets instruments, such as subordinated notes, and maintains a board-authorized stock repurchase plan, as described in the October 16, 2025 Form 8-K and related earnings releases.

Corporate governance and leadership changes

Several 8-K filings and news releases describe governance and leadership developments. In September 2025, an 8-K reported that the company’s Chief Executive Officer notified the board of his decision to retire as CEO effective December 31, 2025, while remaining on the board. The same filing states that the board approved the appointment of the company’s President to serve as Chief Executive Officer and President upon that retirement date.

An October 16, 2025 Form 8-K further notes that the board increased its size and appointed three additional directors, including the President of the company and bank and two external business leaders. The filing also describes the planned appointment of a Chief Operating Officer following the retirement of a prior executive, highlighting ongoing evolution in the company’s management structure.

Earnings reporting and financial communication

Southside Bancshares issues detailed quarterly earnings press releases, which are then referenced in Form 8-K filings. The earnings releases for the first, second, and third quarters of 2025, summarized in the input, discuss net income, net interest income, net interest margin, noninterest income and expenses, asset quality metrics, loan and deposit balances, and capital and liquidity measures. These communications provide insight into the company’s operating performance, balance sheet composition, and risk profile.

The company also hosts quarterly earnings conference calls, as described in news releases announcing first, second, and third quarter earnings calls in 2025. These calls are made available via webcast and telephone registration, and recordings are posted for a limited period on the company’s investor relations site.

Dividends and shareholder returns

Multiple news releases in 2025 indicate that the Board of Directors of Southside Bancshares has declared regular quarterly cash dividends on its common stock. These releases specify the dividend per share and record and payment dates for each quarter. In addition, the October 16, 2025 Form 8-K and related earnings materials describe an authorized stock repurchase plan, under which the company may repurchase shares of its common stock in the open market or through other methods, subject to board authorization.

Status and trading information

Based on the input data, Southside Bancshares, Inc. remains an active, publicly traded bank holding company. Its common stock trades on the New York Stock Exchange under the symbol SBSI, and a November 2025 press release states that the shares are also dual-listed on NYSE Texas, Inc. There is no indication in the provided SEC filings or news of delisting, deregistration, bankruptcy, or a completed merger or acquisition that would change its status as an independent public company.

FAQs about Southside Bancshares, Inc. (SBSI)

• What does Southside Bancshares, Inc. do?
  Southside Bancshares, Inc. is a bank holding company that wholly owns Southside Bank. According to company news releases, Southside Bank offers consumer and commercial loans, mortgages, deposit accounts, safe deposit boxes, treasury management, wealth management, trust services, brokerage services, and online and mobile banking services to individuals and businesses.
• Where is Southside Bancshares, Inc. headquartered?
  Company press releases and SEC filings describe Southside Bancshares, Inc. as being headquartered in Tyler, Texas.
• What markets does Southside Bank serve?
  Southside Bank operates branches and an ATM/ITM network across East Texas, Southeast Texas, and the greater Dallas/Fort Worth, Austin, and Houston areas, as stated in multiple earnings and dividend news releases.
• On which exchanges does SBSI trade?
  The company’s common stock is listed on the New York Stock Exchange under the ticker symbol SBSI. A November 2025 news release also notes a dual listing on NYSE Texas, Inc., where the stock trades under the same symbol.
• What types of loans does Southside Bank offer?
  According to the company’s descriptions, Southside Bank offers consumer and commercial loans and mortgages. These lending products are part of its full range of financial services for individuals and businesses.
• Does Southside Bancshares, Inc. pay dividends?
  Yes. Several 2025 news releases report that the Board of Directors declared regular quarterly cash dividends on the company’s common stock, specifying per-share amounts and payment dates.
• What non-lending services are provided by Southside Bank?
  In addition to loans and mortgages, Southside Bank offers deposit accounts, safe deposit boxes, treasury management, wealth management, trust services, brokerage services, and online and mobile services, as described in company press releases.
• How does Southside Bancshares use subordinated debt?
  An August 2025 Form 8-K explains that the company issued 7.00% fixed-to-floating rate subordinated notes due 2035 intended to qualify as Tier 2 capital. A January 2026 Form 8-K describes a notice of redemption for outstanding 3.875% fixed-to-floating rate subordinated notes due 2030, indicating that subordinated debt is part of the company’s capital structure.
• Has Southside Bancshares announced any leadership changes?
  Yes. A September 18, 2025 Form 8-K states that the Chief Executive Officer notified the company of his decision to retire as CEO effective December 31, 2025, and that the board approved the appointment of the company’s President as Chief Executive Officer and President on that date. An October 16, 2025 Form 8-K also describes additional board appointments and an upcoming Chief Operating Officer appointment.
• Is Southside Bancshares, Inc. a community-focused bank?
  Company news releases describe Southside Bank as a community-focused financial institution, emphasizing its long history serving customers since 1960 and its branch network across multiple Texas markets.