SBSI - NASDAQ
Southside Bancshares, Inc.
$32.69
-2.0%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 deposit. 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, revocable and testamentary trusts, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. As of December 31, 2021, the company operated through 56 banking facilities and 73 ATMs/ITMs. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
At a Glance
Live SnapshotSouthside Bancshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Southside Bancshares, Inc. Cash Flow Statement
SBSI • NASDAQ
| Southside Bancshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
69.2M | 88.5M | 86.7M | 105M | 113.4M | 82.2M | 74.6M | 74.1M | 54.3M | 49.3M | 44M | 20.8M | 41.2M | 34.7M | 40.5M | 40.1M | 45.9M | 30.7M | 16.7M | 15M | |
10.6M | 10.5M | 10.6M | 11.1M | 11.4M | 12.1M | 12.1M | 14M | 10.2M | 9.1M | 8.6M | 3.5M | 3.8M | 3.6M | 3.4M | 3.2M | 2.9M | 2.5M | 7.2M | 2.3M | |
-351K | -1M | -2.1M | -89K | 4.8M | -4.4M | 122K | 6.2M | 3.5M | 1.8M | -3.4M | -925K | -1.4M | -1.2M | -1.3M | 673K | 0.0 | -378K | -532K | -292K | |
3M | 3.5M | 3.6M | 3.2M | 3M | 3M | 2.4M | 2.3M | 1.8M | 1.5M | 1.4M | 1.1M | 911K | 511K | 261K | 0.0 | 0.0 | 7K | 0.0 | 0.0 | |
47.2M | 16.4M | 22.6M | 26.9M | 4.4M | 33.2M | 17.7M | 24.1M | 26.3M | 19.8M | 23.9M | 30.3M | 27.6M | 36.7M | 29.8M | 19.5M | -2.9M | 4.5M | -1.2M | 2.1M | |
(13M) | (15.8M) | (15.8M) | (12M) | (10.8M) | (12M) | (10.5M) | (2M) | (11.3M) | (5.7M) | (8.5M) | (4.3M) | (4M) | (11.2M) | (9M) | (10.7M) | (17.5M) | (0.0) | (0.0) | (0.0) | |
-35.9M | -16M | -41.4M | 80.4M | 19.1M | -35.5M | -26.3M | 1.7M | -4.5M | 5.2M | -1.6M | 1.3M | -12.6M | -4.4M | 892K | -10.9M | -20.9M | -8.5M | 455K | 125K | |
93.8M | 101.8M | 79.9M | 226.5M | 156.1M | 90.5M | 80.6M | 122.4M | 91.7M | 86.7M | 73M | 56M | 59.5M | 69.6M | 73.6M | 52.6M | 24.9M | 28.8M | 22.6M | 19.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-20.3M | -11.2M | -6.9M | -9.3M | -8.4M | -11.4M | -15.9M | -13.4M | -9.6M | -6.5M | -3.8M | -5.2M | -5.7M | -3.1M | -3.9M | -6.9M | -6.8M | -5.3M | -4.6M | -1.3M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (91.7M) | (0.0) | (0.0) | -127M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -32M | (0.0) | |
-967.7M | -1.2B | -2B | -709.9M | -692.7M | -916.9M | -1.3B | -306.9M | -625.7M | -1B | -1.1B | -803.2M | -1.6B | -1.9B | -1.5B | -1.7B | -1.6B | -1.3B | -386.9M | -416M | |
1.1B | 963.9M | 2.1B | 580.6M | 494.3M | 779.2M | 980.5M | 569.5M | 827.3M | 811.8M | 962.4M | 944.4M | 1.4B | 2.2B | 1.2B | 1.8B | 1.4B | 835.7M | 357.9M | 299.7M | |
-141.7M | -147.7M | -389.4M | -496.1M | 12.8M | -74.6M | -278.3M | 12.8M | -110.9M | -143.3M | -259.8M | -76.3M | -97M | -175.8M | -14.8M | -48.4M | -21.6M | -64.1M | -96.1M | -405K | |
-34.2M | -382.9M | -327.1M | -634.8M | -194M | -223.7M | -566.8M | (261.9M) | (172.7M) | -384.4M | -384.4M | -67.3M | -367.8M | (137.2M) | -341.3M | (14.7M) | -296.5M | -505.4M | -161.7M | -118M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-21.5M | -345K | -43.6M | -32.5M | -32.8M | -29.6M | -736K | -45.7M | 1.5M | 67.2M | 1.4M | 1.2M | -503K | -5.5M | 1.5M | -3M | 1.9M | 2M | 1.5M | 1.8M | |
-241.1M | 84.1M | 343.6M | 7.3M | -588.5M | -46.9M | 245.2M | -271M | -289.9M | 260.1M | 250.8M | 11.2M | 52.7M | -102.5M | 60M | -292.3M | 67.5M | 540.8M | 17.6M | 174.8M | |
-43.4M | -43.6M | -43.6M | -44.9M | -44.6M | -43.2M | -42.5M | -42M | -32.2M | -26M | -25.1M | -17.9M | -16.1M | -19.1M | -14.7M | -13.2M | -11.1M | -8.3M | -6.5M | -5.7M | |
-23.2M | -1.5M | -44.8M | -33.7M | -34.1M | -31M | -2.2M | -47.2M | (0.0) | -10.2M | (0.0) | (0.0) | -1.9M | -7.4M | (0.0) | -4.8M | -430K | -132K | (0.0) | (0.0) | |
210.1M | 106.6M | 352M | 475.9M | 797.2M | 250.6M | 274.2M | -103.6M | 85.2M | 85M | 80.7M | 47M | 176M | 27.7M | 185.2M | 268.1M | 198.7M | -67.1M | 147.4M | -68.8M | |
-96M | 146.7M | 608.5M | 405.8M | 131.2M | 130.9M | 476.2M | -462.3M | -235.4M | 386.4M | 307.7M | 41.5M | 212.1M | -99.3M | 231.9M | -40.4M | 257M | 467.4M | 160.1M | 102M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-36.4M | -134.3M | 361.3M | -2.5M | 93.3M | -2.3M | -10M | -78M | 29M | 88.7M | -3.7M | 30.2M | -96.2M | 107.4M | -35.8M | 26.9M | -14.6M | -9.2M | 21M | 3.2M | |
426.2M | 560.5M | 199.3M | 201.8M | 108.4M | 110.7M | 120.7M | 198.7M | 169.7M | 81M | 84.7M | 54.4M | 150.6M | 43.2M | 79.1M | 52.2M | 66.8M | 76M | 55M | 51.8M | |
389.8M | 426.2M | 560.5M | 199.3M | 201.8M | 108.4M | 110.7M | 120.7M | 198.7M | 169.7M | 81M | 84.7M | 54.4M | 150.6M | 43.2M | 79.1M | 52.2M | 66.8M | 76M | 55M | |
73.5M | 90.7M | 73M | 217.2M | 147.7M | 79.1M | 64.7M | 109M | 82.1M | 80.2M | 69.2M | 50.9M | 53.8M | 66.5M | 69.7M | 45.7M | 18.1M | 23.5M | 18M | 17.9M |
SEC Filings
SBSI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 20, 2026 | May 14, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | April 30, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 30, 2026 | April 30, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 25, 2026 | May 14, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 20, 2026 | February 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 06, 2026 | January 06, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | October 28, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 24, 2025 | October 24, 2025 | 2025 |
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