Southside Bancshares, Inc. SBSI R2K

Financial Services · Banks - Regional · United States

https://www.southside.com

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various 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 offers consumer loan services, including 1-4 family residential, home equity, home improvement, automobile, 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 provides trust and wealth management services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; brokerage services; and safe deposit services. In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking products. The company offers various banking services through branches, drive-thru facilities, loan production offices, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

Market & Price

Market Cap

$974.67M

Current Price

$32.76

High / Low (52W)

$33.96 / $25.53

Beta

0.58

Valuation

Stock P/E

13.88

Industry PE

12.01

Forward P/E

9.43

PEG Ratio

5.35

Book Value

$28.52

Price to Book

1.15

P/S

4.07

EV/EBITDA

Dividend Yield

4.40%

Profitability & Returns

ROCE

ROE

8.49%

ROA

0.83%

Profit Margin

29.63%

Op Margin

42.64%

EPS (Latest Qtr)

$0.78

EPS (TTM)

$2.36

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$907.48M

Total Assets

$8.51B

Current Assets

Working Capital

Ownership

Promoter Holding

4.64%

Chg in Prom Hold

FII / Inst Holding

58.88%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.49B

Total Revenue (TTM)

$239.54M

EBITDA

Free Cash Flow

Operating Cash Flow

$118.91M

Shares Outstanding

29.75M

Gross Margin

0.00%

Payout Ratio

61.02%

Growth (CAGR)

Revenue 5Y

-2.17%

Profit 5Y

-12.97%

Revenue (YoY)

8.80%

Earnings (YoY)

10.30%

PROS

Excellent profit margin of 29.6%.
Attractive dividend yield of 4.40%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -2.2% CAGR over 5 years.
Earnings shrank at -13.0% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SBSI Southside Bancshares, Inc. R2K	32.76	13.88	$974.67M	4.40%	-	8.49%	-2.17%	-12.97%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63.70M	66.01M	43.73M	62.83M	69.86M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	46.44M	44.30M	46.18M	45.08M	44.57M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.23M	26.53M	5.10M	24.77M	28.30M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.72M	4.72M	189.00K	3.78M	5.04M
Net Income	11.76M	11.69M	13.52M	11.39M	12.87M	11.57M	14.99M	14.48M	14.51M	10.33M	16.25M	20.20M	20.30M	17.38M	18.82M	18.61M	19.79M	17.34M	3.95M	21.55M	27.07M	29.57M	34.09M	21.32M	29.31M	25.00M	25.41M	26.95M	26.03M	24.89M	18.45M	21.51M	24.67M	-	-	21.51M	21.81M	4.91M	20.99M	23.26M
Diluted EPS	0.44	0.44	0.50	0.42	0.48	0.42	0.51	0.49	0.49	0.33	0.46	0.57	0.58	0.50	0.56	0.55	0.58	0.51	0.12	0.65	0.82	0.89	1.04	0.65	0.90	0.77	0.79	0.84	0.83	0.81	0.60	0.71	0.81	-	-	0.71	0.72	0.16	0.70	0.78

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	253.20M	250.86M	257.86M	237.04M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	40.64M	144.71M	198.21M	181.99M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	119.63M	101.13M	107.38M	82.63M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	14.61M	14.44M	18.88M	13.41M
Net Income	44.40M	39.10M	39.13M	34.70M	41.19M	20.83M	44.00M	49.35M	54.31M	74.14M	74.55M	82.15M	-	105.02M	86.69M	88.49M	69.22M
Diluted EPS	2.68	2.25	2.16	1.82	2.09	0.99	1.61	1.81	1.81	2.11	2.20	2.47	-	3.26	2.82	2.91	2.29

Compounded Sales Growth

5 Years:	-2.17%
1 Year:	8.80%

Compounded Profit Growth

5 Years:	-12.97%
1 Year:	10.30%

Stock Price Performance

1 Year:	+21.81%
6 Months:	+12.79%
3 Months:	+5.79%
1 Month:	+1.64%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.00B	3.30B	3.24B	3.45B	4.81B	5.16B	5.56B	6.50B	6.12B	6.75B	7.01B	-	7.56B	8.28B	8.52B	8.51B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	66.77M	52.17M	79.07M	43.24M	150.63M	54.43M	84.66M	80.97M	169.65M	198.69M	120.72M	110.70M	108.41M	-	115.42M	513.74M	373.35M	383.99M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	49.35M	50.49M	46.72M	41.81M
Total Liabilities	-	-	2.78B	3.04B	2.98B	3.19B	4.38B	4.72B	5.05B	5.74B	5.39B	5.94B	6.13B	-	6.81B	7.51B	7.71B	7.67B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	433.79M	321.04M	429.41M	559.66M	660.36M	562.51M	158.34M	158.49M	158.65M	158.83M	257.51M	-	533.45M	876.62M	884.23M	300.61M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	550.52M	893.32M	976.45M	734.09M
Total Equity	-	-	214.46M	258.93M	257.76M	259.52M	425.24M	444.06M	518.27M	754.14M	731.29M	804.58M	875.30M	-	746.00M	773.29M	811.94M	847.62M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	38.00M	38.04M	38.08M	38.11M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	24.91M	52.59M	73.58M	69.57M	59.51M	56.03M	72.98M	86.72M	91.73M	122.40M	80.61M	90.52M	-	226.52M	79.86M	101.85M	93.82M
Investing Cash Flow	-296.50M	14.72M	-341.35M	137.16M	-367.80M	-67.29M	-384.41M	-384.40M	172.74M	261.90M	-566.83M	-223.74M	-	-634.78M	-327.07M	-382.86M	-34.22M
Financing Cash Flow	256.98M	-40.40M	231.93M	-99.34M	212.10M	41.48M	307.75M	386.36M	-235.43M	-462.28M	476.20M	130.93M	-	405.76M	608.47M	146.66M	-95.97M
Capital Expenditure	-6.81M	-6.90M	-3.92M	-3.11M	-5.66M	-5.16M	-3.77M	-6.55M	-9.63M	-13.44M	-15.88M	-11.44M	-	-9.30M	-6.90M	-11.16M	-20.34M
Free Cash Flow	18.09M	45.68M	69.67M	66.46M	53.84M	50.87M	69.22M	80.18M	82.10M	108.96M	64.72M	79.08M	-	217.22M	72.96M	90.69M	73.48M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.50M	361.26M	-134.35M	-36.38M
Share Buybacks	430.00K	4.83M	0	7.42M	1.90M	0	0	10.20M	0	47.19M	2.18M	30.99M	34.15M	33.71M	44.80M	1.50M	23.18M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	41.5%	34.6%	34.3%	29.2%
ROE %	-	18.2%	15.1%	13.5%	15.9%	4.9%	9.9%	9.5%	7.2%	10.1%	9.3%	9.4%	-	14.1%	11.2%	10.9%	8.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.64%

Institutions

58.88%

Public Float

61.75%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.12%	4.20M	$137.64M
2	Dimensional Fund Advisors LP	4.65%	1.38M	$45.36M
3	State Street Corporation	4.35%	1.29M	$42.38M
4	Vanguard Capital Management LLC	4.16%	1.24M	$40.53M
5	Geode Capital Management, LLC	2.42%	721.41K	$23.63M
6	Vanguard Portfolio Management LLC	1.98%	589.05K	$19.30M
7	Renaissance Technologies, LLC	1.48%	440.15K	$14.42M
8	Two Sigma Investments, LP	1.33%	394.82K	$12.93M
9	Charles Schwab Investment Management, Inc.	1.31%	389.87K	$12.77M
10	Goldman Sachs Group Inc	1.19%	355.40K	$11.64M

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