SBSI · Southside Bancshares Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $10.61M | $10.46M | $10.58M | $11.11M | $11.42M | $12.08M |
| Operating Income | $82.63M | $107.38M | $101.13M | $119.63M | $93.49M | $93.49M |
| Interest Expense | - | - | $144.71M | $40.64M | $26.43M | $44.56M |
| Income Tax | $13.41M | $18.88M | $14.44M | $14.61M | $17.43M | $11.34M |
| Net Income | $69.22M | $88.49M | $86.69M | $105.02M | $113.40M | $82.15M |
| EPS - Basic | $2.30 | $2.92 | $2.82 | $3.27 | $3.48 | $2.47 |
| EPS - Diluted | $2.29 | $2.91 | $2.82 | $3.26 | $3.47 | $2.47 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $389.79M | $426.16M | $560.51M | $199.25M | $201.75M | $108.41M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $8.51B | $8.52B | $8.28B | $7.56B | $7.26B | $7.01B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $299.96M | $152.32M | $154.15M | $158.94M | $158.79M | $257.51M |
| Total Liabilities | $7.67B | $7.71B | $7.51B | $6.81B | $6.35B | $6.13B |
| Stockholders' Equity | $847.62M | $811.94M | $773.29M | $746.00M | $912.17M | $875.30M |
| Retained Earnings | $352.19M | $326.79M | $282.36M | $239.61M | $179.81M | $111.21M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $93.82M | $101.85M | $79.86M | $226.52M | $156.10M | $90.52M |
| Investing Cash Flow | ($34.22M) | ($382.86M) | ($327.07M) | ($634.78M) | ($194.01M) | ($223.74M) |
| Financing Cash Flow | ($95.97M) | $146.66M | $608.47M | $405.76M | $131.25M | $130.93M |
| CapEx | $20.34M | $11.16M | $6.90M | $9.30M | $8.37M | $11.44M |
| Free Cash Flow | $73.48M | $90.69M | $72.96M | $217.22M | $147.74M | $79.08M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.06 | 1.02 | 0.84 | 2.07 | 1.30 | 0.96 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 16.2% | 17.6% | 14.3% | 12.2% | 13.3% | 12.1% |
| Return on assets | 0.8% | 1.0% | 1.0% | 1.4% | 1.6% | 1.2% |
| Return on equity | 8.2% | 10.9% | 11.2% | 14.1% | 12.4% | 9.4% |
| Return on invested capital | 6.0% | 9.2% | 9.3% | 11.6% | 7.6% | 7.3% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.35 | 0.19 | 0.20 | 0.21 | 0.17 | 0.29 |
| Debt / Assets | 0.04 | 0.02 | 0.02 | 0.02 | 0.02 | 0.04 |
| Debt / EBITDA | 3.22 | 1.29 | 1.38 | 1.22 | 1.51 | 2.44 |
| Interest coverage | - | - | 0.7x | 2.9x | 3.5x | 2.1x |
| Equity multiplier | 10.05 | 10.49 | 10.71 | 10.13 | 7.96 | 8.01 |
| Liabilities / Assets | 0.90 | 0.90 | 0.91 | 0.90 | 0.87 | 0.88 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.3x | 10.9x | 11.1x | 11.0x | 12.1x | 12.6x |
| P / B | 1.1x | 1.2x | 1.2x | 1.6x | 1.5x | 1.2x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 8.9x | 5.9x | 5.0x | 8.6x | 12.6x | 11.2x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -23.0% | 6.2% | -15.5% | 28.0% | 0.0% | 6.5% |
| Net income growth (YoY) | -21.8% | 2.1% | -17.5% | -7.4% | 38.0% | 10.2% |
| EPS growth (YoY) | -21.3% | 3.2% | -13.5% | -6.1% | 40.5% | 12.3% |
| EPS CAGR (3y) | -11.1% | -5.7% | 4.5% | 14.0% | 18.0% | 10.9% |
| EPS CAGR (5y) | -1.5% | 5.8% | 6.0% | 12.5% | 13.3% | 7.4% |
| FCF growth (YoY) | -19.0% | 24.3% | -66.4% | 47.0% | 86.8% | 22.2% |
| FCF CAGR (5y) | -1.5% | 7.0% | -7.7% | 21.5% | 13.0% | 2.7% |
| Book value growth (YoY) | 4.4% | 5.0% | 3.7% | -18.2% | 4.2% | 8.8% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing SOUTHSIDE BANCSHARES INC against the 5 most active filers in the same SIC group.
Dividends
$1.44/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 18, 2026 | $0.3600 |
| Feb 19, 2026 | $0.3600 |
| Nov 20, 2025 | $0.3600 |
| Aug 21, 2025 | $0.3600 |
| May 22, 2025 | $0.3600 |
| Feb 20, 2025 | $0.3600 |
| Nov 21, 2024 | $0.3600 |
| Aug 22, 2024 | $0.3600 |
| May 22, 2024 | $0.3600 |
| Feb 14, 2024 | $0.3600 |
| Nov 21, 2023 | $0.3700 |
| Aug 16, 2023 | $0.3500 |
| May 22, 2023 | $0.3500 |
| Feb 15, 2023 | $0.3500 |
| Nov 22, 2022 | $0.3800 |
| Aug 17, 2022 | $0.3400 |
| May 18, 2022 | $0.3400 |
| Feb 16, 2022 | $0.3400 |
| Nov 23, 2021 | $0.3900 |
| Aug 18, 2021 | $0.3300 |
| May 19, 2021 | $0.3300 |
| Feb 17, 2021 | $0.3200 |
| Nov 24, 2020 | $0.3700 |
| Aug 19, 2020 | $0.3100 |