Saturday 17 October 2026 Export SBSI’s income statement to Excel — free account

Southside Bancshares, Inc.

Southside Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $419.0 million, down 8.12% from fiscal 2024. In the quarter to June 2026, revenue grew 6.52%, EPS grew 25.0%, free cash flow grew 1,301.5% and total debt rose 148.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years; insiders bought in the last twelve months.

30.69 0.19 +0.62%

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Market cap: $909.2M
P/E: 12.1×
Fwd P/E: 9.8×
Dividend yield: 4.72%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.07

Total sells 0.03

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	1	—	1	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	1	—	—	1	—

Insider Ownership 4.90%

Capital & Financial Ratios $m

Market Cap 909.15

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 12.08

Fwd P/E 9.77

P/S ratio 2.12

P/B ratio 1.04

Past 5Y EPS Growth (1.50%)

This Y EPS Growth 42.20%

Next Y EPS Growth (1.28%)

Next Y revenue growth (30.48%)

Next 5Y EPS Growth 14.32%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 35.53%

10-year low 10-year high

P/S against its own 10 years 11.35%

10-year low 10-year high

P/B against its own 10 years 4.53%

10-year low 10-year high

Dividends

Payout Ratio 0.57

Annual Dividend Rate 1.45

Annual Dividend Yield 4.72%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.44	0.36 0.36 0.37
2025	1.44	0.36 0.36 0.36 0.36
2024	1.44	0.36 0.36 0.36 0.36
2023	1.40	0.35 0.35 0.35 0.35
2022	1.36	0.34 0.34 0.34 0.34
2021	0.98	0.32 0.33 0.33 0.06
2020	1.25	0.31 0.31 0.31 0.32
2019	0.92	0.30 0.31 0.31 0.03
2018	1.18	0.28 0.30 0.30 0.30
2017	1.08	0.24 0.27 0.28 0.28
2016	0.67	0.21 0.22 0.23 0.05

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	561	426	390	397
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	5,053	5,045	5,164	5,302

	2023	2024	2025	Q'26
Payables	6,550	6,654	6,865	6,169
ST’ Debt	—	—	—	—
Other	—	—	—	—
	6,762	7,386	7,076	7,165

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	115	118	—	—	—
’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	—	—	—
’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	—	—	—
’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.

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

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	19.08	30.47	29.28	31.29	23.51	30.79	31.18	25.38	25.30	25.85	Analyst estimates 2026–2028 Powerpack
	High	38.08	37.57	37.32	37.89	37.74	45.36	44.75	40.38	38.00	33.14
People
People	Employees	679	855	820	845	832	809	813	815	778	781
	Revenue/emp, $m	0.31	0.26	0.33	0.34	0.34	0.33	0.36	0.49	0.59	0.54
Income, $m
Income, $m	Revenue	208	225	270	283	282	265	294	396	456	419
	Gross margin, %	85.91	80.66	78.85	74.93	84.17	90.04	86.17	63.42	56.54	56.57
	EBT	60	70	84	88	93	131	120	101	107	83
	EBT margin, %	28.64	31.31	31.23	31.00	33.20	49.31	40.71	25.57	23.54	19.72
	Net income	49	54	74	75	82	113	105	87	88	69
	Depreciation	9	10	25	25	36	34	29	15	18	19
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
	Earnings	1.81	1.82	2.12	2.21	2.47	3.48	3.27	2.82	2.92	2.30
	Cash flow	3.20	3.07	3.50	2.39	2.73	4.79	7.05	2.60	3.36	3.11
	Capex	(0.24)	(0.32)	(0.33)	(0.47)	(0.29)	(0.20)	(0.25)	(0.21)	(0.37)	(0.66)
	Free cash flow	2.96	2.75	3.17	1.92	2.44	4.59	6.81	2.39	2.99	2.45
	Book value	19.11	25.27	20.92	23.84	26.36	28.02	23.23	25.19	26.80	28.13
	Shares, m	27	30	35	34	33	33	32	31	30	30
Valuation, ×
Valuation, ×	P/E	20.17	18.71	14.98	16.81	12.51	12.02	11.00	11.30	10.88	13.27
	P/S	4.77	4.51	4.11	4.43	3.66	5.13	3.93	2.46	2.11	2.19
	P/B	1.92	1.35	1.52	1.56	1.18	1.49	1.55	1.26	1.18	1.08
	EV/Sales	11.01	8.85	7.05	8.13	7.23	4.97	4.55	2.73	1.68	2.47
	EV/FCF	28.55	24.26	17.16	35.52	25.15	8.81	6.11	14.69	8.43	14.02
Cash, $m
Cash, $m	Operating cash flow	87	92	122	81	91	156	227	80	102	94
	Capex	(6)	(10)	(12)	(16)	(10)	(7)	(8)	(6)	(11)	(20)
	Free cash flow	80	82	111	65	81	150	219	73	91	74
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)
	Total debt	1,468	1,176	915	1,160	1,113	159	380	664	229	509
	Net debt	1,298	977	794	1,049	1,005	(43)	181	103	(197)	119
	Shareholders’ equity	518	754	731	805	875	912	746	773	812	848
Returns, %
Returns, %	ROA	0.92	0.90	1.17	1.16	1.19	1.59	1.42	1.09	1.05	0.81
	ROIC	2.05	2.70	3.55	2.96	3.11	9.41	8.07	7.21	10.92	5.34
	ROE	10.26	8.54	9.98	9.71	9.78	12.69	12.67	11.41	11.16	8.34

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CPF CPB Inc.	$929.5M	11.6×	10.8×	+2.39% (above 0%: growing)	+17.65% (above 0%: growing)	+23.90% (above 0%: growing)	83.01%	0.00%	Compare
TRST TrustCo Bank Corp NY	$919.8M	15.0×	9.1×	+6.20% (above 0%: growing)	+24.05% (above 0%: growing)	+2.59% (above 0%: growing)	69.96%	0.00%	Compare
HAFC Hanmi Financial Corporation	$917.4M	10.4×	9.6×	+2.07% (above 0%: growing)	+58.00% (above 0%: growing)	+48.02% (above 0%: growing)	64.66%	0.00%	Compare
NBBK NB Bancorp, Inc.	$913.3M	14.4×	10.2×	+39.49% (above 0%: growing)	+35.90% (above 0%: growing)	+19.91% (above 0%: growing)	63.66%	0.00%	Compare
MPB Mid Penn Bancorp	$911.3M	12.6×	11.6×	+24.51% (above 0%: growing)	+290.91% (above 0%: growing)	−3.90% (below 0%: shrinking)	70.72%	0.00%	Compare
FCBC First Community Bancshares, Inc.	$911.3M	15.3×	15.0×	+35.47% (above 0%: growing)	+77.61% (above 0%: growing)	+82.80% (above 0%: growing)	92.36%	0.00%	Compare
SBSI Southside Bancshares, Inc.	$909.2M	12.1×	9.8×	+6.52% (above 0%: growing)	+25.00% (above 0%: growing)	+1,301.48% (above 0%: growing)	60.49%	0.00%
FMNB Farmers National Banc Corp.	$900.6M	10.4×	9.4×	+43.94% (above 0%: growing)	+5.41% (above 0%: growing)	+114.21% (above 0%: growing)	70.09%	0.00%	Compare
THFF First Financial Corporation Indiana	$876.8M	10.4×	9.7×	+12.19% (above 0%: growing)	+21.66% (above 0%: growing)	+44.71% (above 0%: growing)	75.76%	0.00%	Compare
Median of peers	$912.3M	12.1×	9.9×	+18.35%	+29.97%	+34.30%	70.41%	0.00%

All 323 Banks Regional stocks →

Southside Bancshares, Inc. (SBSI) key facts

Concern: Southside Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $419.0 million, down 8.12% from fiscal 2024.
Concern: Net income was $69.2 million, or $2.30 per share (basic), a net margin of 16.5%.
Southside Bancshares, Inc. (SBSI) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, SBSI traded at $30.69, a market capitalization of $909.2 million.
At that price the stock trades at 12.1× trailing-twelve-month earnings and 2.1× sales; its P/E is higher than 36% of its own readings over the past ten years.
Southside Bancshares, Inc. pays an annual dividend of $1.45 per share, a yield of 4.72%, with a payout ratio of 57.1%.
Return on equity was 8.34% and debt-to-equity 0.71.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.