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Feb 20, 2026·SEC
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Southside Bancshares, Inc.(SBSI)Earnings, Financials & Key Ratios
SBSI•NASDAQ•Banking & Credit
$34.57
15.1× P/E·Price updated Jul 7, 2026
AboutSouthside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides a range of 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's loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, 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 offers wealth management and trust services consisting of investment management, administration, revocable and testamentary trusts, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. As of December 31, 2021, the company operated through 56 banking facilities and 73 ATMs/ITMs. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.Show more
- Net Interest Income$221M+2.3%
- Total Revenue$419M-8.1%
- Net Income$69M-21.8%
- Return on Equity8.34%-25.3%
- Net Interest Margin2.6%+2.3%
- Efficiency Ratio36.12%+12.0%
- ROA0.81%-22.8%
- Equity / Assets9.95%+4.4%
- Book Value per Share28.04+4.9%
SBSI Price & Volume
Southside Bancshares, Inc. (SBSI) stock price & volume — 10-year historical chart
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Fixed Income Reliance Constrains Margin Expansion Potential
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Securities portfolio duration sensitivity
Key Thesis Takeaways
- Southside Bancshares faces a challenging fundamental outlook characterized by a structural duration mismatch, where a $7.3B investment securities portfolio limits the bank's ability to capture upside from interest rate volatility.
- While the bank maintains a stable equity-to-assets ratio of 0.10, the reliance on fixed-rate municipal assets has resulted in a stagnant 0.7% net interest margin.
- Investors should monitor the bank's ability to manage credit risk, particularly following the $45.9M provision for credit losses recorded in 2025Q3, which significantly impacted recent profitability.
Verdict Logic
while the 4.1% dividend yield provides income, the bank's 15.32 P/E TTM and structural margin compression at 0.7% suggest limited near-term capital appreciation potential.
SBSI Growth Metrics
Southside Bancshares, Inc. (SBSI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.27%
5 Years8.28%
3 Years12.56%
TTM-
Profit CAGR
10 Years4.64%
5 Years-3.37%
3 Years-12.97%
TTM-19.8%
EPS CAGR
10 Years3.59%
5 Years-1.5%
3 Years-11.11%
TTM-19.18%
Return on Capital
10 Years5.75%
5 Years6.72%
3 Years6.04%
Last Year5.48%
SBSI Recent Earnings
Southside Bancshares, Inc. (SBSI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.78+2.6%
$0.76
Rev
$72M+1.7%
$71M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.70-12.5%
$0.80
Rev
$72M+0.4%
$72M
Q4 2025
Oct 24, 2025Metric
Actual
Est
EPS
$0.80+11.1%
$0.72
Rev
$72M+0.9%
$72M
Q3 2025
Jul 25, 2025Metric
Actual
Est
EPS
$0.72+4.3%
$0.69
Rev
$66M-5.0%
$69M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.78vs $0.76+2.6% | $72Mvs $71M+1.7% |
| Q1 2026 | Jan 29, 2026 | $0.70vs $0.80-12.5% | $72Mvs $72M+0.4% |
| Q4 2025 | Oct 24, 2025 | $0.80vs $0.72+11.1% | $72Mvs $72M+0.9% |
| Q3 2025 | Jul 25, 2025 | $0.72vs $0.69+4.3% | $66Mvs $69M-5.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Southside Bancshares, Inc. (SBSI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $34.57 | $1.03B | 15.10 | -8.12% | 16.52% | 8.34% | 4.15% | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — | |
| $104.54 | $4.57B | 15.37 | 13.54% | 17.71% | 9.93% | — | |
| $140.43 | $8.53B | 15.30 | -1.07% | 18.3% | 10.31% | — | |
| $75.98 | $4.72B | 11.48 | 1.03% | 39.31% | 13.16% | — | |
| $22.75 | $3.3B | -7.71 | -56.66% | -63.53% | -10.51% | — |
Compare SBSI vs Peers
Southside Bancshares, Inc. (SBSI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SBSI SEC Filings & Documents
Southside Bancshares, Inc. (SBSI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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SBSI Frequently Asked Questions
Southside Bancshares, Inc. (SBSI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Southside Bancshares, Inc. growing?
Southside Bancshares, Inc. (SBSI) saw revenue decline by 8.1% over the past year.
Is SBSI profitable?
Yes, Southside Bancshares, Inc. (SBSI) is profitable, generating $71.0M in net income for fiscal year 2025 (16.5% net margin).
Dividend & Returns
Does SBSI pay dividends?
Yes, Southside Bancshares, Inc. (SBSI) pays a dividend with a yield of 4.15%. This makes it attractive for income-focused investors.
What is SBSI's return on equity?
Southside Bancshares, Inc. (SBSI) has a return on equity (ROE) of 8.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Southside Bancshares, Inc.'s net interest margin?
Southside Bancshares, Inc. (SBSI) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
What is Southside Bancshares, Inc.'s efficiency ratio?
Southside Bancshares, Inc. (SBSI) has an efficiency ratio of 36.1%. This is excellent, indicating strong cost control.