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
$993.38M
PER (TTM)
14.3
15
配当利回り
4.4%
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
$102.33M-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
$0.00+0.00%
直近4四半期の推移
2025 Q3 決算ハイライト
主なハイライト
Loan Portfolio Expansion Total loans increased 2.2% to $4.77B, driven by $109.0M growth in CRE and $66.8M growth in Commercial loans.
Stable Net Interest Income Nine-month NII rose 0.9% to $163.8M; FTE Net Interest Margin held steady at 2.92% year-to-date.
Asset Quality Deterioration NPA ratio spiked to 0.75% (from 0.08%), primarily due to $27.5M in newly recognized restructured commercial real estate loans.
Funding Mix Restructuring FHLB borrowings decreased $630.6M, offset by a $147.6M increase in subordinated notes following a new issuance.
リスク要因
Spike in Nonperforming Assets NPA increased 892.1% to $35.6M, driven by restructured loans; nonaccruals rose to $7.955M, demanding management attention.
Sharp Net Income Drop Quarterly net income fell 76.1% to $4.9M, heavily impacted by a $24.4M net loss recognized on sales of AFS securities.
Interest Rate Sensitivity Interest rate risk modeling shows a potential 5.16% adverse impact on NII over 12 months under a 200 basis point rate increase scenario.
Noninterest Income Volatility Total noninterest income dropped 64.8% YTD due to significant realized losses ($24.9M) from AFS securities sales.
見通し
Strong Capital Position Consolidated CET1 ratio remains robust at 12.97%, meeting all regulatory requirements under the fully phased-in Basel III framework.
Liquidity Resources Available Total liquidity lines stand at $2.87B, including $2.30B available via FHLB advances collateralized by the loan portfolio.
Branch Expansion Planned Management expects to open a new traditional branch location in Bellwood Park, Tyler, Texas, during the 2026 calendar year.
CECL Allowance Methodology Allowance for loan losses is determined using the CECL model, incorporating Moody's economic forecasts and portfolio stress factors.
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 | $1.55B | 13.7 | 7.7% | 2.4% |
| AMAL | $1.24B | 11.9 | 13.7% | 1.1% |
| TMP | $1.19B | 7.3 | 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
-2.4%
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
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年4月27日
EPS:-
|売上高:-
財務レポート
財務データ
全年度
Form 10-Q - Q3 2025
会計期末: 2025年9月30日|提出日: 2025年10月28日|売上高: $118.50M+4.4%|EPS: $0.16-76.5%予想を下回るForm 10-Q - Q2 2025
会計期末: 2025年6月30日|提出日: 2025年7月25日|売上高: $110.30M-4.4%|EPS: $0.72-11.1%予想を上回るForm 10-Q - Q1 2025
会計期末: 2025年3月31日|提出日: 2025年4月30日|売上高: $110.13M-1.8%|EPS: $0.71+0.0%予想を上回るForm 10-K - FY 2024
会計期末: 2024年12月31日|提出日: 2025年2月27日|売上高: $456.07M+15.3%|EPS: $2.92+3.5%予想を上回るForm 10-Q - Q3 2024
会計期末: 2024年9月30日|提出日: 2024年10月28日|売上高: $113.46M+9.6%|EPS: $0.68+13.3%予想を下回るForm 10-Q - Q2 2024
会計期末: 2024年6月30日|提出日: 2024年7月26日|売上高: $115.38M+18.9%|EPS: $0.81+0.0%予想を上回るForm 10-Q - Q1 2024
会計期末: 2024年3月31日|提出日: 2024年4月26日|売上高: $112.16M+21.2%|EPS: $0.71-14.5%予想を上回るForm 10-K - FY 2023
会計期末: 2023年12月31日|提出日: 2024年2月27日|売上高: $395.58M+34.6%|EPS: $2.82-13.8%予想を上回る