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Southside Bancshares, Inc.

SBSI Financial Banks Regional

Southside Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $419.0 million, down 8.12% from fiscal 2024.

Revenue
+34.1%
EPS
+487.5%
Free cash flow
+73.8%
Total debt
+176.1%

Quarter to September 2026, against a year earlier

34.46 1.05 −2.96%
Market cap
$1.0B
P/E
10.4×
Fwd P/E
9.6×
Dividend yield
4.21%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.07
Sold, $m 0.03
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — 1 — — — — — — — — —
Sell — — — — — — 1 — — 1 — —
Insider Ownership 5.13%

Capital & Financial Ratios $m

Size
Market Cap 1,020.00
Revenue ttm 461.29
Net income ttm 99.06
Free cash flow ttm 155.11
Net debt Q 666.14
Valuation
P/E 10.38
Forward P/E 9.60
Price / sales 2.23
Forward P/S Powerpack
Price / FCF 6.62
Price / book 1.22
Financial health
Current ratio Q 0.79
Debt / equity Q 1.31
Interest coverage Q —
Growth
Revenue growth Q +34.14% (above 0%: growing)
Operating income growth Q +571.50% (above 0%: growing)
EPS, this year +50.43% (at or above 15%: strong)
EPS, next year A −0.29% (below 0%: weak)
Revenue, next year A −27.14% (below 0%: weak)
EPS, past 5 yrs −1.50% (below 0%: weak)
EPS, next 5 yrs A +15.58% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 14.89%
10-year low 10-year high
P/S against its own 10 years 16.57%
10-year low 10-year high
P/B against its own 10 years 32.89%
10-year low 10-year high

Dividends

Yield
4.21%
Annual rate
1.45
Payout ratio
43.8%
Growth, 2017–25
+3.69%/yr
  1. 1.08 ’17
  2. 1.18 ’18 +10
  3. 0.92 ’19 −22
  4. 1.25 ’20 +36
  5. 0.98 ’21 −22
  6. 1.36 ’22 +39
  7. 1.40 ’23 +3
  8. 1.44 ’24 +3
  9. 1.44 ’25 +0
  10. 1.47 ’26e +2
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 561 426 390 436
Receivables — — — —
Inventory — — — —
Other — — — —
5,053 5,045 5,164 5,349
2023 2024 2025 Q'26
Payables 6,550 6,654 6,865 6,014
ST’ Debt — — — —
Other — — — —
6,762 7,386 7,076 6,815

Compound Annual Growth %

10y 5y 3y
Sales 8.09% 8.28% 12.56%
Cash Flow 2.54% 0.72% (25.46%)
Earnings 4.63% (3.38%) (12.99%)
Book Value 6.68% (0.64%) 4.35%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.79 Actual 0.93

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.80 0.70 Miss by 0.10
Q1 FY26 0.76 0.78 Beat by 0.02
Q2 FY26 0.88 0.90 Beat by 0.02
Q3 FY26 0.79 0.93 Beat by 0.14
Q4 FY26 0.87 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.78 0.90 0.93 — —
’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
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 115 118 121 — —
’25 111 111 90 108 419
’24 112 116 114 114 456
’23 93 97 104 101 396
’22 65 66 77 86 294
’21 67 64 68 67 265
’20 76 71 67 68 282
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 49 32 67 — —
’25 24 6 40 24 94
’24 58 16 (12) 39 102
’23 24 34 78 (57) 80
’22 85 43 80 18 227
’21 62 18 48 27 156
’20 (4) 21 33 40 91
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 45 28 66 — —
’25 22 (2) 38 17 74
’24 56 15 (14) 34 91
’23 21 34 77 (58) 73
’22 83 41 78 17 219
’21 60 17 46 26 150
’20 (8) 18 30 41 81
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 208 225 270 283 282 265 294 396 456 419 461 +8.1% 305 306 322 (8.4%)
Gross margin, % 85.91 80.66 78.85 74.93 84.17 90.04 86.17 63.42 56.54 56.57 60.37 (29.3) pt
EBT 60 70 84 88 93 131 120 101 107 83 120 +3.7%
EBT margin, % 28.64 31.31 31.23 31.00 33.20 49.31 40.71 25.57 23.54 19.72 25.99 (8.9) pt
Net income 49 54 74 75 82 113 105 87 88 69 99 +3.8%
Per share, $
Per share, $ Revenue 7.68 7.54 7.72 8.39 8.48 8.15 9.15 12.88 15.06 13.90 15.47 +6.8%
Earnings 1.81 1.82 2.12 2.21 2.47 3.48 3.27 2.82 2.92 2.30 3.32 +2.7%
Cash flow 3.20 3.07 3.50 2.39 2.73 4.79 7.05 2.60 3.36 3.11 5.78 (0.3%)
Capex (0.24) (0.32) (0.33) (0.47) (0.29) (0.20) (0.25) (0.21) (0.37) (0.66) (0.58) +12.1%
Free cash flow 2.96 2.75 3.17 1.92 2.44 4.59 6.81 2.39 2.99 2.45 5.20 (2.1%)
Book value 19.11 25.27 20.92 23.84 26.36 28.02 23.23 25.19 26.80 28.13 28.28 +4.4%
Shares, m 27 30 35 34 33 33 32 31 30 30 30 +1.2%
Valuation, ×
Valuation, × P/E 20.15 18.71 14.98 16.81 12.51 12.02 11.00 11.30 10.88 13.27 10.38 14.2
P/S 4.77 4.51 4.11 4.43 3.66 5.13 3.93 2.46 2.11 2.19 2.23 3.7
P/B 1.92 1.35 1.52 1.56 1.18 1.49 1.55 1.26 1.18 1.08 1.22 1.4
EV/Sales 11.01 8.85 7.05 8.13 7.23 4.97 4.55 2.73 1.68 2.47 — 5.9
EV/FCF 28.55 24.26 17.16 35.52 25.15 8.81 6.11 14.69 8.43 14.02 — 18.3
Cash, $m
Cash, $m Operating cash flow 87 92 122 81 91 156 227 80 102 94 172 +0.9%
Capex (6) (10) (12) (16) (10) (7) (8) (6) (11) (20) (17) +13.5%
Free cash flow 80 82 111 65 81 150 219 73 91 74 155 (0.9%)
Balance, $m
Balance, $m Working capital (824) (1,051) (1,018) (1,048) (1,211) (2,276) (2,040) (1,709) (2,341) (1,912) (1,465) +9.8%
Net debt 1,298 977 794 1,049 1,005 (43) 181 103 (197) 119 666 (23.3%)
Shareholders’ equity 518 754 731 805 875 912 746 773 812 848 843 +5.6%
Returns, %
Returns, % ROA 0.92 0.90 1.17 1.16 1.19 1.59 1.42 1.09 1.05 0.81 1.15 (0.1) pt
ROIC 2.05 2.70 3.55 2.96 3.11 9.41 8.07 7.21 10.92 5.34 5.12 +3.3 pt
ROE 10.26 8.54 9.98 9.71 9.78 12.69 12.67 11.41 11.16 8.34 11.80 (1.9) pt
People
People Employees 679 855 820 845 832 809 813 815 778 781 — +1.6%
Revenue/emp, $m 0.31 0.26 0.33 0.34 0.34 0.33 0.36 0.49 0.59 0.54 — +6.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Southside Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CCNE CNB Financial Corporation $1.1B 10.7× 9.9× +6.10% (above 0%: growing) +31.88% (above 0%: growing) +2.73% (above 0%: growing) 69.41% 0.00% Compare
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
HBNC Horizon Bancorp (IN) $1.1B — (loss-making) 9.8× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.3× 11.0× +7.42% (above 0%: growing) +3.47% (above 0%: growing) +38.67% (above 0%: growing) 66.54% 0.00% Compare
MCBS MetroCity Bankshares, Inc. $1.0B 11.8× 11.4× +23.15% (above 0%: growing) +23.53% (above 0%: growing) −202.65% (below 0%: shrinking) 64.69% 0.00% Compare
SBSI Southside Bancshares, Inc. $1.0B 10.4× 9.6× +34.14% (above 0%: growing) +487.50% (above 0%: growing) +73.84% (above 0%: growing) 61.38% 0.00%
EGBN Eagle Bancorp, Inc. $1.0B 23.6× 16.6× −14.05% (below 0%: shrinking) n/m +207.40% (above 0%: growing) 54.04% 0.00% Compare
EQBK Equity Bancshares, Inc. $1.0B 28.8× 10.6× +39.99% (above 0%: growing) +47.13% (above 0%: growing) +40.78% (above 0%: growing) 70.70% 0.00% Compare
Median of peers $1.0B 11.8× 10.9× +6.66% +23.53% +43.25% 67.98% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 25 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.26m 1.63m 121.02
2024 1.99m 1.83m 105.10
2023 2.13m 1.27m 98.91
2022 1.55m 1.48m 108.56
2021 1.44m 1.52m 121.77

Ownership

Directors and executive officers, together 5.10%
BlackRock, Inc. 13.60%
The Vanguard Group 7.30%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Southside Bancshares, Inc. (SBSI) Latest News

30 Oct

Impact 3 · · MarketBeat

29 Oct

Impact 4 · · Moby
Impact 3 · · The Motley Fool transcript
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Impact 3 · · Associated Press earnings

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Impact 3 · · Simply Wall St.

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Impact 3 · · The Motley Fool transcript
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4 May

Impact 3 · · Zacks

3 May

Impact 4 · · Simply Wall St.

2 May

Impact 4 · · MarketBeat

1 May

Impact 4 · · GuruFocus.com

30 Apr

Impact 4 · · Zacks
Impact 4 · · Business Wire
Impact 3 · · Moby
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23 Apr

Impact 3 · · Zacks

5 Feb

Impact 3 · · GlobeNewswire

30 Jan

Impact 4 · · MarketBeat transcript

29 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · The Motley Fool transcript
Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
stockrow.com/SBSI · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com