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Southside Bancshares, Inc.

NASDAQ•SBSI
CEO: Mr. Lee R. Gibson III, CPA
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1998-05-13
Southside 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 deposits. 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 of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. In addition, the company provides retirement and employee benefit accounts, including plans and profit sharing plans; and telephone, internet, and mobile banking services. The company offers various banking services through branches, drive-thru facilities, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
Contact Information
1201 South Beckham Avenue, Tyler, TX, 75701, United States
903-531-7111
www.southside.com
Market Cap
$910.40M
P/E (TTM)
13.1
14.6
Dividend Yield
4.8%
52W High
$34.37
52W Low
$25.85
52W Range
52%
Rank35Top 29.9%
4.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$107.91M-44.26%
4-Quarter Trend

EPS

$0.70-2.78%
4-Quarter Trend

FCF

$80.14M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Declines Sharply Net income dropped 21.8% to $69.2M; large $32.3M net loss on AFS securities sales impacted results for the year.
Asset Quality Deterioration Noted Nonperforming assets surged 966% to $38.2M; NPL ratio increased to 0.79% due to significant rise in restructured commercial loans.
Loan Portfolio Expanded Total loans grew 3.4% to $4.82B; total deposits increased 3.2% to $6.87B, supporting asset growth and liquidity.
Capital Ratios Remain Solid CET1 ratio stood at 12.87%; management maintains capital well above required regulatory thresholds for both Company and Bank.

Risk Factors

High Real Estate Concentration High real estate concentration (82.7% of loans) exposes portfolio to market value declines and potential charge-offs if values deteriorate.
Interest Rate Risk Exposure Earnings subject to interest rate risk; rapid rate changes or yield curve shifts could compress net interest margin and affect forecasts.
Funding Cost Pressures Reliance on wholesale funding sources like FHLB advances ($211M balance) exposes liquidity to potentially higher funding costs.
Cybersecurity Threat Landscape Heavy reliance on technology systems makes the bank vulnerable to sophisticated cyber-attacks, data breaches, and operational disruption.

Outlook

NIM Management Focus Management actively monitors interest rate risk using simulation models to mitigate NIM compression amid uncertain inflation and rate outlook.
Credit Provisioning Easing Provision for credit losses decreased in 2025 due to improvements in the overall economic forecast utilized within the CECL model.
Strategic Acquisition Evaluation Strategy includes evaluating expansion opportunities via acquisitions of culturally similar financial institutions in complementary market areas.
Technology Adoption Pace Continued investment in technology and AI integration is necessary to maintain competitive efficiency and satisfy evolving customer demands.

Peer Comparison

Revenue (TTM)

DCOM stock ticker logoDCOM
$730.38M
+13.0%
TMP stock ticker logoTMP
$578.95M
+33.5%
FSUN stock ticker logoFSUN
$569.65M
+5.5%

Gross Margin (Latest Quarter)

TMP stock ticker logoTMP
85.5%
+0.0pp
CPF stock ticker logoCPF
82.0%
+10.7pp
HBT stock ticker logoHBT
81.4%
+3.2pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
DCOM$1.41B12.57.7%2.4%
AMAL$1.14B10.913.7%1.1%
TMP$1.09B6.719.9%7.6%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.7%
Flat Growth
4Q Net Income CAGR
-0.8%
Stable Profitability
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026
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LTM
No Data