| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | 1 | — | 1 | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | 1 | — | — | 1 |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.44 |
—
—
—
|
| 2025 | 1.44 |
—
—
—
—
|
| 2024 | 1.44 |
—
—
—
—
|
| 2023 | 1.40 |
—
—
—
—
|
| 2022 | 1.36 |
—
—
—
—
|
| 2021 | 0.98 |
—
—
—
—
|
| 2020 | 1.25 |
—
—
—
—
|
| 2019 | 0.92 |
—
—
—
—
|
| 2018 | 1.18 |
—
—
—
—
|
| 2017 | 1.08 |
—
—
—
—
|
| 2016 | 0.67 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 560.51 | 426.16 | 389.79 | 397.26 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 5,053.24 | 5,044.82 | 5,164.01 | 5,301.57 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 6,549.68 | 6,654.25 | 6,865.16 | 6,169.40 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 6,762.33 | 7,386.16 | 7,076.30 | 7,165.24 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 114.85 | 117.92 | — | — |
—
|
| ’25 | 110.51 | 110.71 | 89.91 | 107.91 |
419.03
|
| ’24 | 112.48 | 115.74 | 113.87 | 113.97 |
456.07
|
| ’23 | 92.88 | 97.34 | 103.91 | 101.44 |
395.58
|
| ’22 | 64.60 | 66.20 | 77.15 | 85.89 |
293.84
|
| ’21 | 67.19 | 63.52 | 67.85 | 66.77 |
265.32
|
| ’20 | 76.25 | 70.69 | 66.82 | 67.80 |
281.56
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 49.04 | 32.24 | — | — |
—
|
| ’25 | 23.94 | 5.95 | 40.20 | 23.73 |
93.82
|
| ’24 | 58.29 | 16.49 | (11.74) | 38.81 |
101.85
|
| ’23 | 23.63 | 34.40 | 78.42 | (56.59) |
79.86
|
| ’22 | 85.38 | 42.66 | 80.33 | 18.15 |
226.52
|
| ’21 | 62.42 | 17.80 | 48.43 | 27.45 |
156.10
|
| ’20 | (3.78) | 21.25 | 32.78 | 40.27 |
90.52
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 44.97 | 27.51 | — | — |
—
|
| ’25 | 21.52 | (2.29) | 37.99 | 16.59 |
73.80
|
| ’24 | 55.73 | 15.38 | (14.14) | 33.74 |
90.71
|
| ’23 | 21.45 | 33.76 | 76.61 | (58.42) |
73.39
|
| ’22 | 82.57 | 40.50 | 78.28 | 17.22 |
218.58
|
| ’21 | 60.11 | 17.45 | 46.45 | 25.59 |
149.60
|
| ’20 | (7.97) | 17.64 | 30.48 | 40.78 |
80.93
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.78 | 0.90 | — | — |
—
|
| ’25 | 0.71 | 0.72 | 0.16 | 0.70 |
2.29
|
| ’24 | 0.71 | 0.81 | 0.68 | 0.71 |
2.91
|
| ’23 | 0.83 | 0.81 | 0.60 | 0.57 |
2.82
|
| ’22 | 0.77 | 0.79 | 0.84 | 0.87 |
3.26
|
| ’21 | 1.04 | 0.65 | 0.90 | 0.88 |
3.47
|
| ’20 | 0.12 | 0.65 | 0.82 | 0.89 |
2.47
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 31.18 | 25.38 | 25.30 | 25.85 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 44.75 | 40.38 | 38.00 | 33.14 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 813 | 815 | 778 | 781 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.36 | 0.49 | 0.59 | 0.54 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 293.84 | 395.58 | 456.07 | 419.03 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 86.17% | 63.42% | 56.54% | 56.57% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 119.63 | 101.13 | 107.38 | 82.63 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 40.71% | 25.57% | 23.54% | 19.72% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 105.02 | 86.69 | 88.49 | 69.22 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.37 | 15.10 | 17.73 | 19.08 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.15 | 12.88 | 15.06 | 13.90 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 3.27 | 2.82 | 2.92 | 2.30 | ‡‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.05 | 2.60 | 3.36 | 3.11 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.25) | (0.21) | (0.37) | (0.66) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.81 | 2.39 | 2.99 | 2.45 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 23.23 | 25.19 | 26.80 | 28.13 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 32.12 | 30.70 | 30.29 | 30.14 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.00 | 11.30 | 10.88 | 13.27 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.93 | 2.46 | 2.11 | 2.19 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.55 | 1.26 | 1.18 | 1.08 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.05 | 4.24 | 2.99 | 3.90 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.13 | 22.86 | 15.05 | 22.15 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 226.52 | 79.86 | 101.85 | 93.82 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (7.94) | (6.47) | (11.14) | (20.02) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 218.58 | 73.39 | 90.71 | 73.80 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (2,040.28) | (1,709.09) | (2,341.34) | (1,912.29) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 821.09 | 663.97 | 228.76 | 508.61 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 621.84 | 103.46 | (197.40) | 118.83 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 746.00 | 773.29 | 811.94 | 847.62 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.42% | 1.09% | 1.05% | 0.81% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.47% | 7.21% | 10.92% | 5.34% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.67% | 11.41% | 11.16% | 8.34% | — | — | — |
ROE
|
Southside Bancshares, Inc. (SBSI), a Texas-rooted community bank, has shown impressive resilience amid regional banking pressures from rising rates and deposit competition. Revenues surged at over 10% CAGR to $456 million in 2024, fueled by loan growth and Texas’s energy boom, with revenue per employee jumping 78% to reflect strong efficiency. Yet, profitability faces headwinds—margins compressed from 49% peaks to 23.5% as funding costs outpaced yields, though net income rose 80% and EPS climbed 61% over the decade.
The balance sheet shines brightest: total debt slashed 90% to $229 million, flipping to a net cash fortress of nearly $200 million, bolstering ROE at 10-13% and book value per share up 40%. Insider buying—over $73,000 in recent purchases with no sells—signals confidence, while free cash flow supports steady dividends. Projections show revenue dipping sharply in 2025-2026 before rebounding, with EPS recovering to $3.35 by 2027.
Trading at discounted valuations (PE 10.9x, PS 2.1x), SBSI offers 3-9% analyst upside, positioning it as a hold-to-buy amid Fed rate cuts and macro easing. Deleveraging outweighs near-term wobbles, hinting at mid-single-digit growth for value hunters in community banks—dive into the full analysis for the catalysts ahead.
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