Southside Bancshares Inc (SBSI)
Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company offers consumer loan services, including 1-4 family residential, home equity, home improvement, automobile, and other consumer related loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also provides trust and wealth management services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; brokerage services; and safe deposit services. In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking products. The company offers various banking services through branches, drive-thru facilities, loan production offices, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
- Symbol
- SBSI
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $927.90M
- 52 week range
- 26.32 - 36.2
Valuation
- Share price
- $30.71 (close of 2026-09-23)
- P/E (TTM)
- 12.22x
- Price to book
- 1.05x
- Price to free cash flow
- 7.34x
- Enterprise value
- $2.17B
- Book value per share
- $29.64
Price performance
| Period | Change |
|---|
| 1 day | -2.57% |
| 5 days | -3.49% |
| 1 month | -4.24% |
| 3 months | -10.96% |
| 6 months | -0.19% |
| Year to date | +1.05% |
| 1 year | +4.99% |
| 3 years | +8.21% |
| 5 years | -14.72% |
| 10 years | -4.30% |
| All time | +417.87% |
Profitability and growth
- Return on equity
- 8.17%
- Return on assets
- 0.81%
- Net margin
- 17.17%
- EBITDA margin
- 68.28%
- Revenue growth
- -2.72%
- Net income growth
- -21.78%
- Free cash flow growth
- -18.98%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 13.63%
- Net debt to EBITDA
- 4.50x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $403.07M
- EBITDA
- $275.23M
- Net income
- $69.22M
- Earnings per share
- $2.30
- Interest expense
- $181.99M
- Shares outstanding
- 30.14M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $403.07M | $69.22M | $2.30 |
| 2024-12-31 | $414.34M | $88.49M | $2.92 |
| 2023-12-31 | $359.74M | $86.69M | $2.82 |
| 2022-12-31 | $252.98M | $105.02M | $3.27 |
| 2021-12-31 | $215.99M | $113.40M | $3.48 |
| 2020-12-31 | $231.83M | $82.15M | $2.47 |
| 2019-12-31 | $240.79M | $74.55M | $2.21 |
| 2018-12-31 | $229.16M | $74.14M | $2.12 |
| 2017-12-31 | $187.47M | $54.31M | $1.82 |
| 2016-12-31 | $168.91M | $49.35M | $1.82 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 17.17% | 8.17% |
| 2024-12-31 | 21.36% | 10.90% |
| 2023-12-31 | 24.10% | 11.21% |
| 2022-12-31 | 41.51% | 14.08% |
| 2021-12-31 | 52.50% | 12.43% |
| 2020-12-31 | 35.44% | 9.39% |
| 2019-12-31 | 30.96% | 9.27% |
| 2018-12-31 | 32.35% | 10.14% |
| 2017-12-31 | 28.97% | 7.20% |
| 2016-12-31 | 29.22% | 9.52% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $389.79M | $299.96M |
| 2024-12-31 | $426.16M | $152.32M |
| 2023-12-31 | $560.51M | $154.15M |
| 2022-12-31 | $199.25M | $158.94M |
| 2021-12-31 | $201.75M | $158.79M |
| 2020-12-31 | $108.41M | $257.51M |
| 2019-12-31 | $110.70M | $158.83M |
| 2018-12-31 | $120.72M | $158.65M |
| 2017-12-31 | $198.69M | $158.49M |
| 2016-12-31 | $169.65M | $158.34M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $73.48M | $3.05M |
| 2024-12-31 | $90.69M | $3.52M |
| 2023-12-31 | $72.96M | $3.55M |
| 2022-12-31 | $217.22M | $3.22M |
| 2021-12-31 | $147.74M | $3.02M |
| 2020-12-31 | $79.08M | $3.02M |
| 2019-12-31 | $64.72M | $2.39M |
| 2018-12-31 | $108.96M | $2.32M |
| 2017-12-31 | $82.10M | $1.81M |
| 2016-12-31 | $80.18M | $1.54M |
Dividend history
- Most recent payment
- 2026-08-20
- Paid in the last twelve months
- $1.45
| Payment date | Dividend per share |
|---|
| 2026-08-20 | $0.37 |
| 2026-05-18 | $0.36 |
| 2026-02-19 | $0.36 |
| 2025-11-20 | $0.36 |
| 2025-08-21 | $0.36 |
| 2025-05-22 | $0.36 |
| 2025-02-20 | $0.36 |
| 2024-11-21 | $0.36 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-23
- Consensus EPS estimate
- $0.77
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-24 | Jun/2026 | $0.88 |
| 2026-04-30 | - | - |
| 2026-01-29 | - | - |
| 2025-10-24 | - | - |
| 2025-07-25 | - | - |
| 2025-04-29 | - | - |
| 2025-01-29 | - | - |
| 2024-10-24 | - | - |
Filings and sources
- Company website
- southside.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
Similar companies
PNC Financial Services Group, Inc. (PNC) · US Bancorp (USB) · Fifth Third Bancorp (FITB) · M&T Bank Corp (MTB) · Huntington Bancshares Inc (HBAN) · Citizens Financial Group Inc (CFG) · Regions Financial Corp (RF) · KeyCorp (KEY)
All Financial Services companies
Understanding these figures
Price-to-earnings ratio · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
Explore
Company directory · S&P 500 heatmap · Earnings calendar · Super investor holdings · Congress trades