Southside Bancshares, Inc. (SBSI) Earnings History
Earnings Pressure31 years of earnings data (1995–2025) · 5-year EPS trend is negative
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Southside Bancshares, Inc. (SBSI) Earnings Overview
As of July 8, 2026, Southside Bancshares, Inc. (SBSI) reported trailing twelve-month net income of $71M, reflecting -21.6% year-over-year growth. The company earned $2.38 per diluted share over the past four quarters, with a net profit margin of 16.5%.
Looking at the long-term picture, SBSI's 5-year EPS compound annual growth rate (CAGR) stands at -1.5%, signaling declining earnings. The company achieved its highest annual net income of $113M in fiscal 2021.
Southside Bancshares, Inc. maintains industry-leading profitability with a gross margin of 55.8%, operating margin of 19.7%, and net margin of 16.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($264M net income, 30.7% margin), TCBI ($357M net income, 16.5% margin), BOKF ($614M net income, 17.4% margin), SBSI has room to improve margins relative to the peer group. Compare SBSI vs FFIN →
SBSI Earnings vs Peers
Earnings metrics vs comparable public companies
SBSI Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $69M | -21.8% | $83M | $2.29 | 16.5% | 19.7% |
| 2024 | $88M | +2.1% | $107M | $2.92 | 19.4% | 23.5% |
| 2023 | $87M | -17.5% | $101M | $2.82 | 21.9% | 25.6% |
| 2022 | $105M | -7.4% | $120M | $3.26 | 35.7% | 40.7% |
| 2021 | $113M | +38.0% | $131M | $3.47 | 42.7% | 49.3% |
| 2020 | $82M | +10.2% | $93M | $2.47 | 29.2% | 33.2% |
| 2019 | $75M | +0.6% | $88M | $2.20 | 26.4% | 31.1% |
| 2018 | $74M | +36.5% | $84M | $2.11 | 27.6% | 31.4% |
| 2017 | $54M | +10.1% | $70M | $1.81 | 24.6% | 31.9% |
| 2016 | $49M | +12.2% | $60M | $1.81 | 24.1% | 29.1% |
| 2015 | $44M | +111.2% | $51M | $1.61 | 23.2% | 27.1% |
| 2014 | $21M | -49.4% | $19M | $0.97 | 14.2% | 12.7% |
| 2013 | $41M | +18.7% | $46M | $1.94 | 26.8% | 30.2% |
| 2012 | $35M | -11.3% | $42M | $1.61 | 22.4% | 27.3% |
| 2011 | $39M | +0.1% | $51M | $1.82 | 23.7% | 30.8% |
| 2010 | $39M | -11.9% | $52M | $1.81 | 21.6% | 28.6% |
| 2009 | $44M | +44.6% | $62M | $2.05 | 21.7% | 30.5% |
| 2008 | $31M | +84.0% | $42M | $1.43 | 17.4% | 23.8% |
| 2007 | $17M | +11.2% | $21M | $0.78 | 12.6% | 15.6% |
| 2006 | $15M | +2.8% | $19M | $0.70 | 18.8% | 23.9% |
| 2005 | $15M | -9.4% | $18M | $0.69 | 14.5% | 17.7% |
| 2004 | $16M | +18.7% | $20M | $0.75 | 18.1% | 22.6% |
| 2003 | $14M | +1.8% | $16M | $0.66 | 15.9% | 19.0% |
| 2002 | $13M | +13.6% | $16M | $0.66 | 15.0% | 17.5% |
| 2001 | $12M | +19.4% | $16M | $0.59 | 12.4% | 17.1% |
| 2000 | $10M | +24.4% | $12M | $0.55 | 11.5% | 14.6% |
| 1999 | $8M | +46.3% | $10M | $0.45 | 11.3% | 14.2% |
| 1998 | $5M | +7.9% | $7M | $0.28 | 10.4% | 12.7% |
| 1997 | $5M | +19.0% | $7M | $0.26 | 21.9% | 29.3% |
| 1996 | $4M | -7.2% | $6M | $0.23 | 22.1% | 29.6% |
| 1995 | $5M | - | $6M | $0.26 | 26.6% | 36.7% |
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SBSI — Frequently Asked Questions
Quick answers to the most common questions about buying SBSI stock.
What is SBSI earnings per share (EPS)?
SBSI trailing twelve-month (TTM) diluted EPS is $2.38, reflecting -21.6% year-over-year growth. The 5-year EPS CAGR is -1.5%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Southside Bancshares, Inc.'s net income?
Southside Bancshares, Inc. (SBSI) trailing twelve-month net income is $71M as of 2025. Earnings declined -21.6% year-over-year. Southside Bancshares, Inc. has been profitable for 31 consecutive years.
Is SBSI profitable?
Yes, SBSI is profitable with a TTM net income of $71M and a net profit margin of +16.5%. Southside Bancshares, Inc. has generated profits for 31 consecutive years.
What is SBSI's earnings growth rate?
SBSI compound annual EPS growth rates (CAGR): 1-Year: -21.6%, 3-Year: -11.1%, 5-Year: -1.5%, 10-Year: +3.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are SBSI's profit margins?
Southside Bancshares, Inc. net profit margin is +16.5%, operating margin is +19.7%, and gross margin is +55.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +8.3%.
Is SBSI growing earnings?
SBSI earnings are declining — EPS fell -21.6% year-over-year. TTM net income dropped to $71M. This contrasts with the 5-year CAGR of -1.5%.
What was SBSI's best earnings year?
Southside Bancshares, Inc.'s highest annual net income on record is $113M, achieved in fiscal year 2021. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were SBSI's earnings last quarter?
SBSI's most recent reported quarter was Q1 2026. Net income was $23M with diluted EPS of $0.78. For a full breakdown of all quarters, see the quarterly earnings table on this page.