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Southside Bancshares, Inc. SBSI

Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

We limit data available in the Overview Report for users who do not have Powerpack

Get access to target analyst prices, predictions, compound annual growth rates and more than four years of historical data.

Insider Decisions

Total buys
0.07
Total sells
0.03
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 1
Sell 1 1
Insider Ownership
4.90%

Capital & Financial Ratios

Market Cap
940.14
Revenue
430.59
Net Income
76.00
Free Cash Flow
127.06
Net Debt
230.40
Current Ratio
0.74
Debt/Equity
0.71
P/E ratio
12.38
P/S ratio
2.17
P/B ratio
1.06
Past 5Y EPS Growth
5.79%
This Y EPS Growth
42.29%
Next Y EPS Growth
(1.34%)
Next 5Y EPS Growth
3.92%
in millions of $

Dividends

Payout Ratio
0.41
Annual Dividend Rate
1.40
Annual Dividend Yield
4.90%
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
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

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
in millions of $

Operating Cash Flow

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
in millions of $

Free Cash Flow

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
in millions of $

EPS

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

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

3
1
Buy
2
3
Hold
4
5
Sell
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
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

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.

Southside Bancshares, Inc. (SBSI) Latest News

News by impact score

Fine-tune

24 Jul

3 transcript www.fool.com, 8:32 PM
Southside Bancshares reported Q2 2026 earnings results and management commentary during its earnings call. Quarterly earnings details and forward outlook can influence near-term stock sentiment and valuation.

3 , 7:00 PM
Southside Bancshares Inc posted strong net income growth in Q2 2026. Strong quarterly net income growth can moderately lift investor sentiment and share price.

3 transcript app.moby.co, 4:56 PM
Southside Bancshares, Inc. held its Q2 2026 earnings call. Quarterly earnings updates typically offer moderate insight into financial results without signaling major strategic shifts.

3 transcript www.marketbeat.com, 1:03 PM
Southside Bancshares Q2 earnings call highlights financial results and operational updates for the bank. Q2 earnings details typically drive moderate short-term shifts in stock valuation and sentiment.

3 , 5:45 AM
Southside Bancshares, Inc. announced financial results for the second quarter ended June 30, 2026. Quarterly earnings releases can moderately influence stock price and investor sentiment.

4 May

3 Zacks, 12:20 PM
Rising earnings estimates for Southside Bancshares, Inc. (SBSI) signal potential stock price gains amid positive analyst revisions. Rising earnings estimates can moderately boost investor sentiment and SBSI's short-term market performance.

3 May

4 Simply Wall St., 5:06 PM
Southside Bancshares (SBSI) demonstrates stronger margins and a cleaner balance sheet, potentially serving as a game changer for its future performance. Stronger margins and cleaner balance sheet represent major financial improvements that could significantly alter SBSI's trajectory and investor sentiment.

2 May

4 www.marketbeat.com, 7:36 AM
Southside Bancshares, Inc. (SBSI) released highlights from its Q1 earnings call, covering financial results, performance metrics, and forward-looking statements. Q1 earnings call highlights detail financial performance and strategic outlook, likely driving significant shifts in SBSI's stock price and investor confidence.

1 May

4 GuruFocus.com, 3:16 AM
Southside Bancshares Inc (SBSI) highlighted strong loan growth in Q1 2026 earnings call. Strong loan growth indicates significant positive momentum for SBSI's financial performance and market position.

30 Apr

4 Zacks, 9:30 AM
Southside Bancshares (SBSI) Q1 earnings key metrics compared to Wall Street estimates, highlighting performance against analyst expectations. Q1 earnings beats or misses versus estimates significantly sway SBSI's stock trajectory and market sentiment.

4 Business Wire, 5:45 AM
Southside Bancshares, Inc. announced financial results for the first quarter ended March 31, 2026. Quarterly earnings announcements typically drive significant short-term stock volatility and influence long-term investor confidence.

3 app.moby.co, 5:07 PM
Southside Bancshares, Inc. released Q1 2026 earnings call summary detailing financial performance, key metrics, and forward guidance. Quarterly earnings summaries reveal financial results and outlook that moderately influence stock price and investor sentiment.

3 , 7:10 AM
Southside Bancshares, Inc. (SBSI) reported first-quarter earnings per share of $0.94, beating the $0.85 consensus estimate, with revenue of $73.5 million surpassing the $68.2 million forecast. Beating Q1 earnings and revenue estimates positively affects financial performance and market sentiment but remains a routine quarterly result.

23 Apr

3 Zacks, 10:00 AM
Analysts forecast earnings growth for Southside Bancshares (SBSI), driven by projected EPS increase to $0.99 from $0.94 year-over-year, amid stable revenue expectations; Zacks ranks it a Buy with upward revisions signaling positive momentum ahead of quarterly results. Expected earnings growth positively influences financial performance outlook and investor sentiment but remains a forecast without transformative changes.

5 Feb

3 GlobeNewswire, 4:15 PM
Southside Bancshares, Inc. has declared a cash dividend of $0.34 per share, payable on November 10, 2023, to shareholders of record as of October 27, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend declaration suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

30 Jan

4 transcript www.marketbeat.com, 2:08 AM
Southside Bancshares, Inc. reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in net income and assets, driven by increased loan demand and effective cost management. Management discussed plans for future expansion and investment in technology to enhance customer experience. The earnings call also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory considerations. Overall, the outlook remains positive as the company aims to strengthen its market position. Significant strategic initiatives and financial growth are expected to influence the company's future performance.

29 Jan

4 transcript GuruFocus.com, 6:01 PM
Southside Bancshares, Inc. (SBSI) reported record net income for Q4 2025, showcasing strong financial performance and growth. The earnings call highlighted key metrics and strategic initiatives that contributed to this success, indicating a positive outlook for the company moving forward. Record net income and strategic initiatives suggest significant positive impact on future performance.

4 transcript www.fool.com, 2:37 PM
Southside Bancshares, Inc. reported its earnings for the latest quarter, highlighting key financial metrics and operational performance. The company experienced growth in net income and assets, driven by increased loan demand and effective cost management. Management provided insights into future strategies, including plans for expansion and investment in technology to enhance customer experience. Overall, the earnings call reflected a positive outlook for the company amidst a competitive banking environment. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

4 Associated Press Finance, 6:02 AM
Southside Bancshares, Inc. reported its Q4 earnings, highlighting a net income increase compared to the previous year. The bank's total assets and deposits also saw growth, reflecting a strong financial position. Key performance metrics, including return on equity and net interest margin, showed positive trends, indicating effective management and operational efficiency. The earnings report suggests a solid outlook for the company moving forward. The earnings report indicates significant growth in key financial metrics, which could positively influence investor sentiment and the company's future trajectory.

4 GlobeNewswire, 5:45 AM
Southside Bancshares, Inc. reported its financial results for the fourth quarter and the year ended December 31, 2025, highlighting key metrics such as net income, earnings per share, and asset growth. The company demonstrated a solid performance with increased revenues and a strong balance sheet, reflecting its strategic initiatives and market positioning. Management expressed optimism about future growth and ongoing commitment to shareholder value. The financial results indicate significant growth and strategic positioning that could influence investor sentiment and future performance.

3 Zacks, 7:05 AM
Southside Bancshares, Inc. (SBSI) reported Q4 earnings and revenues that fell short of analysts' estimates, raising concerns about the company's financial performance. The results indicate potential challenges in meeting market expectations, which may affect investor sentiment moving forward. Earnings and revenue misses can moderately influence investor confidence and financial performance.

15 Jan

3 GlobeNewswire, 4:15 PM
Southside Bancshares, Inc. reported its fourth quarter and year-end earnings, highlighting key financial metrics and performance indicators. The company discussed its strategic initiatives and outlook for the upcoming year, emphasizing growth and stability in its operations. Investors were provided insights into the bank's financial health and future plans during the earnings call. The earnings report indicates moderate financial performance that may influence investor sentiment and operational aspects.

24 Nov

3 GlobeNewswire, 11:57 AM
Southside Bancshares, Inc. has announced its dual listing on the NYSE Texas, which is expected to enhance its visibility and accessibility to investors. This strategic move aims to broaden the company's shareholder base and improve trading liquidity. The dual listing aligns with Southside's growth strategy and commitment to providing value to its shareholders. The dual listing is expected to moderately influence the company's market presence and investor engagement.

24 Oct

4 Simply Wall St., 10:16 PM
Southside Bancshares, Inc. (SBSI) has reported earnings growth that breaks a five-year trend, which supports bullish valuation narratives for the company. This shift in earnings performance is seen as a positive indicator for future market sentiment and investor confidence in SBSI. The break in the five-year earnings trend is likely to significantly influence investor sentiment and the company's future performance.

4 Zacks, 7:05 AM
Southside Bancshares, Inc. (SBSI) reported Q3 earnings that exceeded analysts' expectations, showcasing strong revenue growth. The company's performance reflects effective management strategies and a solid financial position, contributing to positive investor sentiment. Surpassing earnings and revenue estimates indicates significant operational strength and potential for future growth.

3 transcript GuruFocus.com, 7:01 PM
Southside Bancshares, Inc. (SBSI) reported its Q3 2025 earnings, highlighting strategies to navigate current challenges in the banking sector. The company emphasized its focus on maintaining strong asset quality and managing operational costs while adapting to changing market conditions. Key financial metrics were discussed, showcasing resilience despite external pressures. Management outlined future initiatives aimed at enhancing customer experience and driving growth, while also addressing potential risks and uncertainties in the economic landscape. Moderate influence on financial performance and competitive positioning is expected due to ongoing strategic initiatives and market challenges.

3 Associated Press FinanceAssociated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceMT Newswires, 5:59 AM
Southside Bancshares, Inc. reported its Q3 earnings, highlighting a net income of $10.5 million, or $0.52 per diluted share, compared to $9.8 million, or $0.48 per diluted share, in the same quarter last year. The bank's total assets increased to $4.1 billion, driven by growth in loans and deposits. The net interest margin improved to 3.45%, reflecting a favorable interest rate environment. Management expressed optimism about future growth and maintaining strong asset quality despite economic uncertainties. The earnings report indicates moderate growth and improved financial metrics, which may positively influence market sentiment but does not signal a major shift in the company's trajectory.

3 GlobeNewswire, 5:45 AM
Southside Bancshares, Inc. reported its financial results for the third quarter ended September 30, 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The bank experienced an increase in total assets and deposits, reflecting strong operational performance. Management expressed optimism about future growth and strategic initiatives aimed at enhancing shareholder value. The financial results indicate moderate growth and stability, which may influence investor sentiment and operational performance.

25 Sep

4 , 7:34 AM
Southside Bancshares, Inc. (SBSI) has a strong institutional backing, with 58% of its shares owned by institutional investors. This significant ownership indicates confidence in the company's stability and growth potential. The presence of institutional investors often leads to increased scrutiny and support for corporate governance, which can positively influence the company's strategic decisions and market performance. The high level of institutional ownership is likely to significantly impact the company's future performance and investor sentiment.

19 Sep

3 GlobeNewswire, 4:15 PM
Southside Bancshares, Inc. announced the retirement of its Chief Executive Officer, Lee Gibson, who has served in the role since 2014. Keith Donahoe has been appointed as his successor, effective immediately. Donahoe has been with the bank for over 20 years, previously serving as the Chief Operating Officer. The transition aims to ensure continuity in leadership and strategic direction for the bank. Leadership changes can moderately influence the company's strategic direction and market perception.

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