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Financials · SBSI

Southside Bancshares Inc. (SBSI) financials

For the twelve months ended Sep 30, 2026, Southside Bancshares Inc. reported $278.48M of revenue and $99.06M of net income.

Revenue, TTM
$278.48M
Revenue growth, YoY
+15.9%
Net income, TTM
$99.06M
Net income growth, YoY
+41.5%
Net margin
35.6%
Free cash flow, TTM
$154.53M
EPS, diluted, TTM
$3.31
EPS growth, YoY
+43.9%
Cash
$436.38M
Total debt
$207.92M
P/E
10.55
P/S
3.75
Market cap
$1.05B
Annual revenue$237.04M
FY2016FY2025
Annual net income$69.22M
FY2016FY2025
Annual free cash flow$73.48M
FY2016FY2025

SBSI revenue and earnings growth

SBSI revenueQ3 2026$74.03M

Quarter YoY
+69.3%
QoQ
+3.8%
FY YoY
-8.1%
5Y CAGR
+0.0%
10Y CAGR
+3.2%

SBSI revenue was $74.03M in fiscal Q3 2026 (ended Sep 30, 2026), up 69.3% from a year earlier and up 3.8% from the prior quarter. For the full fiscal 2025 it was $237.04M, down 8.1% from fiscal 2024. Compound annual growth was +0.0% over 5 years and +3.2% over 10 years. It rose in 7 of the last 10 fiscal years.

SBSI net incomeQ3 2026$27.98M

Quarter YoY
+469.4%
QoQ
+4.2%
FY YoY
-21.8%
5Y CAGR
-3.4%
10Y CAGR
+4.6%

SBSI net income was $27.98M in fiscal Q3 2026 (ended Sep 30, 2026), up 469.4% from a year earlier and up 4.2% from the prior quarter. For the full fiscal 2025 it was $69.22M, down 21.8% from fiscal 2024. Compound annual growth was -3.4% over 5 years and +4.6% over 10 years. It rose in 7 of the last 10 fiscal years.

SBSI EPSQ3 2026$0.93

Quarter YoY
+481.3%
QoQ
+3.3%
FY YoY
-21.3%
5Y CAGR
-1.5%
10Y CAGR
+3.6%

SBSI diluted EPS was $0.93 in fiscal Q3 2026 (ended Sep 30, 2026), up 481.3% from a year earlier and up 3.3% from the prior quarter. For the full fiscal 2025 it was $2.29, down 21.3% from fiscal 2024. Compound annual growth was -1.5% over 5 years and +3.6% over 10 years.

SBSI free cash flowQ3 2026$65.44M

Quarter YoY
+75.1%
QoQ
+137.8%
FY YoY
-19.0%
5Y CAGR
-1.5%
10Y CAGR
+0.6%

SBSI free cash flow was $65.44M in fiscal Q3 2026 (ended Sep 30, 2026), up 75.1% from a year earlier and up 137.8% from the prior quarter. For the full fiscal 2025 it was $73.48M, down 19.0% from fiscal 2024. Compound annual growth was -1.5% over 5 years and +0.6% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$237.04M$257.86M$250.86M$253.20M$238.89M$237.00M$212.17M$212.84M$181.44M$178.98M
Interest expense--$144.71M$40.64M$26.43M$44.56M$70.98M$57.10M$43.50M$29.35M
Pre-tax income$82.63M$107.38M$101.13M$119.63M$130.83M$93.49M$87.78M$84.30M$70.43M$59.67M
Income tax$13.41M$18.88M$14.44M$14.61M$17.43M$11.34M$13.22M$10.16M$16.12M$10.32M
Net income$69.22M$88.49M$86.69M$105.02M$113.40M$82.15M$74.55M$74.14M$54.31M$49.35M
EPS, basic$2.30$2.92$2.82$3.27$3.48$2.47$2.21$2.12$1.82$1.82
EPS, diluted$2.29$2.91$2.82$3.26$3.47$2.47$2.20$2.11$1.81$1.81
Diluted shares30.2M30.4M30.8M32.3M32.7M33.3M33.9M35.1M30.0M27.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$389.79M$426.16M$560.51M$199.25M$201.75M$108.41M$110.70M$120.72M$198.69M$169.65M
Goodwill$201.12M$201.12M$201.12M$201.12M$201.12M$201.12M$201.12M$201.12M$201.25M$91.52M
Total assets$8.51B$8.52B$8.28B$7.56B$7.26B$7.01B$6.75B$6.12B$6.50B$5.56B
Short-term debt---------$873.62M
Total debt$299.96M$152.32M$154.15M$158.94M$158.79M$257.51M$158.83M$158.65M$158.49M$158.34M
Total liabilities$7.67B$7.71B$7.51B$6.81B$6.35B$6.13B$5.94B$5.39B$5.74B$5.05B
Shareholders' equity$847.62M$811.94M$773.29M$746.00M$912.17M$875.30M$804.58M$731.29M$754.14M$518.27M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$93.82M$101.85M$79.86M$226.52M$156.10M$90.52M$80.61M$122.40M$91.73M$86.72M
Capital expenditures$20.34M$11.16M$6.90M$9.30M$8.37M$11.44M$15.88M$13.44M$9.63M$6.55M
Free cash flow$73.48M$90.69M$72.96M$217.22M$147.74M$79.08M$64.72M$108.96M$82.10M$80.18M
Investing cash flow-$34.22M-$382.86M-$327.07M-$634.78M-$194.01M-$223.74M-$566.83M$261.90M$172.74M-$384.40M
Financing cash flow-$95.97M$146.66M$608.47M$405.76M$131.25M$130.93M$476.20M-$462.28M-$235.43M$386.36M
Dividends paid$43.37M$43.63M$43.58M$44.94M$44.57M$43.20M$42.52M$41.98M$32.20M$25.96M
Share repurchases$23.18M$1.50M$44.80M$33.71M$34.15M$30.99M$2.18M$47.19M$0$10.20M
Stock-based compensation$3.05M$3.52M$3.55M$3.22M$3.02M$3.02M$2.39M$2.32M$1.81M$1.54M
Depreciation and amortization$10.61M$10.46M$10.58M$11.11M$11.42M$12.08M$12.11M$14.04M$10.21M$9.08M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-8.1%2.8%-0.9%6.0%0.8%11.7%-0.3%17.3%1.4%3.7%
Net income growth, YoY-21.8%2.1%-17.5%-7.4%38.0%10.2%0.6%36.5%10.1%12.2%
EPS growth, YoY-21.3%3.2%-13.5%-6.1%40.5%12.3%4.3%16.6%0.0%12.4%
Net margin29.2%34.3%34.6%41.5%47.5%34.7%35.1%34.8%29.9%27.6%
Free cash flow margin31.0%35.2%29.1%85.8%61.8%33.4%30.5%51.2%45.2%44.8%
Return on equity8.2%10.9%11.2%14.1%12.4%9.4%9.3%10.1%7.2%9.5%
Return on assets0.8%1.0%1.0%1.4%1.6%1.2%1.1%1.2%0.8%0.9%
Debt to equity0.350.190.200.210.170.290.200.220.210.31

Source: XBRL data Southside Bancshares Inc. files with the SEC, latest filing dated Oct 29, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

SBSI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
SBSI$278.48M+15.9%$99.06M35.6%$1.05B
JPM$203.15B+13.2%$65.98B32.5%$908.40B
BAC$120.16B+5.4%$32.24B26.8%$349.70B
WFC$87.23B+5.4%$22.97B26.3%$257.44B
C$85.22B+5.6%$14.31B16.8%$202.38B
UBS$49.57B+2.0%$7.80B15.7%$152.60B
MFG¥8.79T+7.6%¥1.16T13.2%$123.62B
COF$63.01B+31.2%$10.87B17.2%$117.80B
BNSC$37.74B+12.1%C$7.79B20.6%$113.63B

SBSI FAQ

8 questions
  • What is SBSI revenue?
    Southside Bancshares Inc. (SBSI) reported $278.48M of revenue for the twelve months ended Sep 30, 2026. That is up 15.9% from the year before. Revenue for fiscal 2025 was $237.04M.
  • Is SBSI profitable?
    Yes. Southside Bancshares Inc. earned $99.06M in net income for the twelve months ended Sep 30, 2026, a net margin of 35.6%.
  • How much cash and debt does SBSI have?
    Southside Bancshares Inc. reported $436.38M in cash and cash equivalents and $207.92M of debt on its most recent balance sheet in SEC filings.
  • How fast is SBSI revenue growing?
    Southside Bancshares Inc.'s revenue changed -8.1% in fiscal 2025, to $237.04M. Its compound annual growth rate was +0.0% over 5 years and +3.2% over 10 years.
  • What is SBSI free cash flow?
    Southside Bancshares Inc. generated $154.53M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $172.32M less capital expenditures.
  • What is SBSI earnings per share?
    Diluted earnings per share were $3.31 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did SBSI last report financial results?
    The latest statements here come from Southside Bancshares Inc.'s 10-Q filed on Oct 29, 2026, covering the period ended Sep 30, 2026.
  • Where does this SBSI financial data come from?
    Quantisnow builds these statements from the structured XBRL data Southside Bancshares Inc. files with the SEC. It is provided for information only and is not investment advice.