SBSI

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Southside Bancshares, Inc.

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Key Metrics

Previous Close: $31.94
52-Week Range: $26.32 – $36.20
Market Cap: $952.96M
P/E (TTM): 12.54
EPS (TTM): 2.55
Dividend Yield: 4.58%

Advanced Metrics

Price/Book: 1.08
PEG Ratio: 5.35
Return on Equity: 8.99%
Return on Assets: 0.89%
Gross Margin: 0.00%
Operating Margin: 47.23%
Profit Margin: 31.02%
Current Ratio: —
Debt/Equity: —
Total Debt: $1.65B
Free Cash Flow: —
Revenue Growth: 8.30%
Earnings Growth: 25.00%
Enterprise Value: $2.22B

SBSI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$253.20M	$250.86M	$257.86M	$237.04M
Selling, General & Admin	$88.01M	$93.28M	$97.44M	$97.96M
Pretax Income	$119.63M	$101.13M	$107.38M	$82.63M
Income Tax	$14.61M	$14.44M	$18.88M	$13.41M
Net Income	$105.02M	$86.69M	$88.49M	$69.22M
Diluted EPS	3.26	2.82	2.91	2.29
Diluted Shares	32.25M	30.76M	30.37M	30.23M

SBSI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$115.42M	$513.74M	$373.35M	$383.99M
Receivables	$49.35M	$50.49M	$46.72M	$41.81M
Total Assets	$7.56B	$8.28B	$8.52B	$8.51B
Long-Term Debt	$533.45M	$876.62M	$884.23M	$300.61M
Total Debt	$550.52M	$893.32M	$976.45M	$734.09M
Total Liabilities	$6.81B	$7.51B	$7.71B	$7.67B
Retained Earnings	$239.61M	$282.36M	$326.79M	$352.19M
Shareholders' Equity	$746.00M	$773.29M	$811.94M	$847.62M
Net Debt	$418.03M	$362.88M	$587.31M	$335.76M

SBSI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$226.52M	$79.86M	$101.85M	$93.82M
Capital Expenditure	-$9.30M	-$6.90M	-$11.16M	-$20.34M
Free Cash Flow	$217.22M	$72.96M	$90.69M	$73.48M
Depreciation & Amortisation	$11.11M	$10.58M	$10.46M	$10.61M
Stock-Based Compensation	$3.22M	$3.55M	$3.52M	$3.05M
Investing Cash Flow	-$634.78M	-$327.07M	-$382.86M	-$34.22M
Financing Cash Flow	$405.76M	$608.47M	$146.66M	-$95.97M
Dividends Paid	-$44.94M	-$43.58M	-$43.63M	-$43.37M
Share Repurchases	-$33.71M	-$44.80M	-$1.50M	-$23.18M
Net Change in Cash	-$2.50M	$361.26M	-$134.35M	-$36.38M

SBSI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$66.01M	$43.73M	$62.83M	$69.86M	$71.01M
Selling, General & Admin	$24.18M	$24.63M	$24.90M	$26.31M	$24.80M
Pretax Income	$26.53M	$5.10M	$24.77M	$28.30M	$32.58M
Income Tax	$4.72M	$189.00K	$3.78M	$5.04M	$5.74M
Net Income	$21.81M	$4.91M	$20.99M	$23.26M	$26.84M
Diluted EPS	0.72	0.16	0.70	0.78	0.90
Diluted Shares	30.31M	30.14M	29.94M	29.83M	29.88M

SBSI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$370.03M	$455.78M	$383.99M	$369.98M	$376.65M
Receivables	$45.55M	$35.41M	$41.81M	$35.98M	$43.39M
Total Assets	$8.34B	$8.38B	$8.51B	$8.80B	$8.76B
Long-Term Debt	$153.49M	$300.88M	$300.61M	$208.37M	$208.32M
Total Debt	$778.88M	$515.25M	$734.09M	$893.76M	$1.64B
Total Liabilities	$7.53B	$7.55B	$7.67B	$7.95B	$7.88B
Retained Earnings	$348.04M	$342.02M	$352.19M	$364.77M	$380.76M
Shareholders' Equity	$807.20M	$834.85M	$847.62M	$854.86M	$882.46M
Net Debt	$393.73M	$44.80M	$335.76M	$509.30M	$1.25B

SBSI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$5.95M	$40.20M	$23.73M	$49.04M	$32.24M
Capital Expenditure	-$8.23M	-$2.54M	-$7.14M	-$4.06M	-$4.73M
Free Cash Flow	-$2.29M	$37.66M	$16.59M	$44.97M	$27.51M
Depreciation & Amortisation	$2.69M	$2.69M	$2.60M	$2.58M	$2.69M
Stock-Based Compensation	$686.00K	$790.00K	$656.00K	$1.64M	$1.02M
Investing Cash Flow	$13.55M	-$17.78M	-$202.04M	-$208.71M	-$50.72M
Financing Cash Flow	-$60.37M	$54.39M	$101.19M	$157.36M	$28.26M
Dividends Paid	-$10.89M	-$10.82M	-$10.72M	-$10.71M	-$10.72M
Share Repurchases	—	-$1.55M	-$10.56M	—	—
Net Change in Cash	-$40.88M	$76.82M	-$77.13M	-$2.31M	$9.78M

Market Snapshot

About

Southside Bancshares, Inc. is a bank holding company headquartered in Texas that operates through its subsidiary Southside Bank. The company provides commercial and consumer banking services including deposits, loans, and wealth management. It serves customers across the Dallas-Fort Worth and Austin metropolitan areas.