Southside Bancshares Inc
SBSI NYSE· State Commercial Banks
Last close · Oct 26, 2026
$31.82
KIRA · Stoqly’s AI analyst, in plain words
- Southside Bancshares Inc had $237M of revenue in fiscal 2025, down 8.1% on the year before. Over five years, revenue changed +0.0% a year on average.
- Southside Bancshares Inc made $69.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 2.6% a year.
- Southside Bancshares Inc returned $66.6M to shareholders in fiscal 2025, 91% of free cash flow. The diluted share count fell 0.5%.
- It earned 8.3% on shareholders’ money. Running costs took 63.9% of revenue (the efficiency ratio; lower is better).
Market cap
$951M
P/E
12.5x
Revenue
$237M
Net income
$69.2M
Return on equity
8.3%
Efficiency ratio
63.9%
Southside Bancshares Inc in 30 seconds · fiscal 2025
Are sales growing?
−8.1%
No. Sales fell 8.1% last year.
Does it make a profit?
29.2%
Yes. It keeps 29.2% of every sale as profit.
How lean are its costs?
63.9%
Average. Running costs take 63.9% of revenue.
How much does it earn on its capital?
8.3%
Fair. It earns 8.3% a year on shareholders’ money.
How is the share priced?
12.5x
One share costs 12.5 times its yearly profit per share.
What Southside Bancshares Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- SOUTHSIDE BANCSHARES INC
- CIK
- 0000705432
Southside Bancshares Inc · SBSI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $239M | $253M | $251M | $258M | $237M |
| Revenue growth | 0.8% | 6.0% | −0.9% | 2.8% | −8.1% |
| Net interest income | $190M | $212M | $215M | $216M | $221M |
| Net income | $113M | $105M | $86.7M | $88.5M | $69.2M |
| Net margin | 47.5% | 41.5% | 34.6% | 34.3% | 29.2% |
| Diluted EPS | $3.47 | $3.26 | $2.82 | $2.91 | $2.29 |
| Cash | |||||
| Cash from operations | $156M | $227M | $79.9M | $102M | $93.8M |
| Capital expenditure | $8.4M | $9.3M | $6.9M | $11.2M | $20.3M |
| Free cash flow | $148M | $217M | $73.0M | $90.7M | $73.5M |
| FCF margin | 61.8% | 85.8% | 29.1% | 35.2% | 31.0% |
| Dividends paid | $44.6M | $44.9M | $43.6M | $43.6M | $43.4M |
| Share buybacks | $34.1M | $33.7M | $44.8M | $1.5M | $23.2M |
| Share count change | −1.8% | −1.3% | −4.6% | −1.3% | −0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $202M | $199M | $561M | $426M | $390M |
| Debt incl. finance leases | $159M | $159M | $154M | $152M | $300M |
| Loans, net | $3.6B | $4.1B | $4.5B | $4.6B | $4.8B |
| Deposits | $5.7B | $6.2B | $6.5B | $6.7B | $6.9B |
| Shareholders' equity | $912M | $746M | $773M | $812M | $848M |
| Returns and quality | |||||
| Return on equity | 12.7% | 12.7% | 11.4% | 11.2% | 8.3% |
| Return on tangible equity | 16.1% | 19.4% | 15.2% | 14.5% | 10.7% |
| Efficiency ratio | 52.3% | 51.5% | 56.0% | 57.1% | 63.9% |
| Piotroski F-score | 6 | 6 | 4 | 5 | 4 |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Southside Bancshares Inc · SBSI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $31.82 a share, the company is worth $951M: 12.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000705432). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.