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Friday 6 November 2026
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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
33.99
0.37
−1.08%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.27 | 10.88 | 11.30 | 11.00 | 12.02 | 12.51 | 16.81 | 14.98 | 18.71 | 20.15 |
Piotroski F-Score |
6 | 6 | 5 | 6 | 7 | 7 | 6 | 7 | 5 | 7 |
P/S ratio |
2.19 | 2.11 | 2.46 | 3.93 | 5.13 | 3.66 | 4.43 | 4.11 | 4.51 | 4.77 |
P/FCF ratio |
12.41 | 10.61 | 13.28 | 5.29 | 9.10 | 12.73 | 19.34 | 10.01 | 12.36 | 12.37 |
P/Operating CF |
38.60 | 24.79 | (17.22) | 63.65 | 49.59 | 25.58 | 60.69 | 57.52 | 70.59 | 49.36 |
P/B ratio |
1.08 | 1.18 | 1.26 | 1.55 | 1.49 | 1.18 | 1.56 | 1.52 | 1.35 | 1.92 |
Price to Tangible BV |
1.42 | 1.58 | 1.71 | 2.14 | 1.93 | 1.55 | 2.12 | 2.17 | 1.91 | 2.35 |
EV/Sales |
2.47 | 1.68 | 2.73 | 4.55 | 4.97 | 7.23 | 8.13 | 7.05 | 8.85 | 11.01 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
11.03 | 7.51 | 13.50 | 5.90 | 8.45 | 22.48 | 28.57 | 15.55 | 21.71 | 26.44 |
EV/FCF |
14.02 | 8.43 | 14.69 | 6.11 | 8.81 | 25.15 | 35.52 | 17.16 | 24.26 | 28.55 |
Quick Ratio |
0.06 | 0.06 | 0.08 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.04 | 0.05 |
Current Ratio |
0.73 | 0.68 | 0.75 | 0.68 | 0.63 | 0.75 | 0.78 | 0.77 | 0.77 | 0.77 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
5.97% | 2.69% | 8.01% | 5.03% | 2.19% | 15.88% | 17.19% | 14.93% | 18.10% | 26.38% |
Debt/Equity |
0.60 | 0.28 | 0.86 | 0.51 | 0.17 | 1.27 | 1.44 | 1.25 | 1.56 | 2.83 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
1.36 | 1.15 | 0.92 | 2.16 | 1.38 | 1.10 | 1.08 | 1.65 | 1.69 | 1.76 |
Capex/Depreciation |
(1.05) | (0.63) | (0.43) | (0.27) | (0.19) | (0.26) | (0.64) | (0.45) | (0.94) | (0.71) |
| 8.34% | 11.16% | 11.41% | 12.67% | 12.69% | 9.78% | 9.71% | 9.98% | 8.54% | 10.26% | |
| 0.81% | 1.05% | 1.09% | 1.42% | 1.59% | 1.19% | 1.16% | 1.17% | 0.90% | 0.92% | |
ROIC |
5.34% | 10.92% | 7.21% | 8.07% | 9.41% | 3.11% | 2.96% | 3.55% | 2.70% | 2.05% |
Return on Tangible Assets |
(3.93%) | (4.02%) | (5.52%) | (5.53%) | (5.31%) | (7.70%) | (8.24%) | (8.41%) | (5.92%) | (6.87%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
36.67% | 32.74% | 37.42% | 44.68% | 39.66% | 49.68% | 42.37% | 44.79% | 46.55% | 56.34% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 | 0.02 |
Share Based Compensation of Revenue |
0.73% | 0.77% | 0.90% | 1.10% | 1.14% | 1.07% | 0.84% | 0.86% | 0.81% | 0.74% |
Graham Net Nets |
(2.73) | (2.77) | (2.52) | (2.17) | (1.86) | (2.34) | (1.83) | (1.79) | (2.24) | (2.34) |
Graham Number |
38.07 | 41.96 | 39.90 | 41.34 | 46.84 | 38.35 | 34.43 | 31.59 | 32.15 | 27.97 |
Earnings Yield |
7.54% | 9.19% | 8.85% | 9.09% | 8.32% | 7.99% | 5.95% | 6.68% | 5.35% | 4.96% |
Free Cash Flow Yield |
8.06% | 9.43% | 7.53% | 18.92% | 10.99% | 7.86% | 5.17% | 9.99% | 8.09% | 8.08% |
Revenue per Share |
13.90 | 15.06 | 12.88 | 9.15 | 8.15 | 8.48 | 8.39 | 7.72 | 7.54 | 7.68 |
Operating CF per Share |
3.11 | 3.36 | 2.60 | 7.05 | 4.79 | 2.73 | 2.39 | 3.50 | 3.07 | 3.20 |
Capex per Share |
(0.66) | (0.37) | (0.21) | (0.25) | (0.20) | (0.29) | (0.47) | (0.33) | (0.32) | (0.24) |
Free Cash Flow per Share |
2.45 | 2.99 | 2.39 | 6.81 | 4.59 | 2.44 | 1.92 | 3.17 | 2.75 | 2.96 |
Cash per Share |
12.93 | 14.07 | 18.26 | 6.20 | 6.20 | 3.27 | 3.28 | 3.45 | 6.66 | 6.26 |
Shareholders Equity per Share |
28.13 | 26.80 | 25.19 | 23.23 | 28.02 | 26.36 | 23.84 | 20.92 | 25.27 | 19.11 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
28.13 | 26.80 | 25.19 | 23.23 | 28.02 | 26.36 | 23.84 | 20.92 | 25.27 | 19.11 |
Free Cash Flow |
73.80 | 90.71 | 73.39 | 218.58 | 149.60 | 80.93 | 64.82 | 110.90 | 82.11 | 80.30 |
Working Capital |
(1,912.29) | (2,341.34) | (1,709.09) | (2,040.28) | (2,276.26) | (1,211.45) | (1,048.28) | (1,017.93) | (1,050.68) | (824.25) |
Capital Expenditures |
(20.02) | (11.14) | (6.47) | (7.94) | (6.50) | (9.59) | (15.79) | (11.50) | (9.62) | (6.42) |
Net Current Asset Value |
(2,502.97) | (2,660.69) | (2,458.39) | (2,501.54) | (2,534.10) | (2,412.05) | (2,289.85) | (1,985.10) | (2,269.69) | (2,329.57) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.05 | 0.02 | 0.02 | 0.03 | 0.02 | 0.03 | 0.06 | 0.04 | 0.04 | 0.03 |
Price to Operating Income |
10.60 | 8.65 | 9.31 | 9.66 | 10.44 | 11.02 | 14.28 | 12.53 | 13.65 | 16.13 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.13 | 0.13 | 0.11 | 0.21 | 0.24 | 0.25 | 0.17 | 0.19 | 0.08 | 0.09 |
Cash ROIC |
4.23% | 6.18% | 3.67% | 16.49% | 11.75% | 3.86% | 3.12% | 6.28% | 3.86% | 3.72% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
13,768.80 | 12,253.73 | 16,519.71 | 55,666.26 | 79,025.70 | 40,398.93 | 24,182.34 | 28,285.60 | 37,884.75 | 43,940.74 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
6,759.70 | 6,601.96 | 6,373.85 | 5,960.17 | 5,327.32 | 4,817.55 | 4,563.90 | 4,470.24 | 4,024.26 | 3,494.24 |
Average Assets |
8,516.02 | 8,401.18 | 7,921.78 | 7,409.12 | 7,133.91 | 6,878.57 | 6,436.20 | 6,310.80 | 6,030.93 | 5,362.88 |
Average Common Equity |
829.78 | 792.62 | 759.64 | 829.08 | 893.73 | 839.94 | 767.94 | 742.72 | 636.21 | 481.17 |
Columns are period end dates · fundamentals updated 5 Nov 2026