Southside Bancshares, Inc.
NASDAQ•SBSI
CEO: Mr. Lee R. Gibson III, CPA
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
時価総額
$918.82M
PER (TTM)
13.2
14.1
配当利回り
4.7%
52週高値
$34.37
52週安値
$25.85
52週レンジ
順位35Top 29.9%
4.6
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.6 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$107.91M-44.26%
直近4四半期の推移
EPS
$0.70-2.78%
直近4四半期の推移
フリーCF
$80.14M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
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.
リスク要因
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.
見通し
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.
同業比較
売上高 (TTM)
$730.38M
$578.95M
$569.65M
粗利益率 (最新四半期)
85.5%
82.0%
81.4%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| DCOM | $1.40B | 12.4 | 7.7% | 2.4% |
| AMAL | $1.13B | 10.8 | 13.7% | 1.1% |
| TMP | $1.08B | 6.7 | 19.9% | 7.6% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-0.7%
横ばい
4四半期純利益CAGR
-0.8%
収益性の安定
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月27日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし