Southside Bancshares, Inc.

Southside Bancshares, Inc.

SBSIยทNASDAQ

$32.69

-2.0%
Financial ServicesBanks - Regional

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 Snapshot
Market Cap$972.58M
EPS2.3000
P/E Ratio14.21
Earnings Date07/24/2026
3Y+43.0%
5Y+49.0%
10Y+104.0%
3Y-34.0%
5Y-16.0%
10Y+40.0%
3Y-59.0%
5Y+4.0%
10Y+8.0%
Southside Bancshares, Inc.

Southside Bancshares, Inc. Profit Bridge

SBSI ยท NASDAQ
Revenue419.03M
Cost of Goods Sold (185.04M)
Gross Profit233.99M
Operating Expenses (151.36M)
Operating Income82.63M
Interest Expense (181.99M)
Other Income/Expense0.00
Pretax Income82.63M
Income Tax (13.41M)
Net Income69.22M
Net Income
69.22M

Profitability Analysis

Gross Margin

55.8%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

19.7%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

16.5%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

16.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.

Southside Bancshares, Inc. Income Statement

SBSI โ€ข NASDAQ

Southside Bancshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
419M
456.1M
395.6M
293.8M
265.3M
281.6M
282.3M
268.8M
221.1M
205.2M
189.4M
146.9M
153.5M
155M
165.4M
181.3M
204.9M
176.5M
132.2M
79.8M
GROSS PROFIT
(185M)
(201.6M)
(153.9M)
(43.9M)
(9.5M)
(64.8M)
(76.1M)
(65.5M)
(48.2M)
(39.1M)
(28.2M)
(31.9M)
(26.8M)
(37.6M)
(43.1M)
(59M)
(67.8M)
(74M)
(64.2M)
(56.4M)
234M
254.5M
241.7M
250M
255.9M
216.8M
206.2M
203.3M
172.9M
166.1M
161.2M
115M
126.7M
117.3M
122.2M
122.3M
137.1M
102.4M
67.9M
23.5M
OPERATING INCOME
(151.4M)
(147.1M)
(140.6M)
(130.3M)
(125M)
(123.3M)
(118.4M)
(119M)
(102.4M)
(106.4M)
(109.9M)
(96.4M)
(80.4M)
(75M)
(71.4M)
(70.5M)
(74.6M)
(60.4M)
(47.3M)
(4.4M)
(5.7M)
(97.4M)
(93.3M)
(88M)
(84.1M)
(80.5M)
(84M)
(81.3M)
(69.7M)
(71.3M)
(73.6M)
(70.7M)
(60M)
(54.5M)
(51.9M)
(53.3M)
(54M)
(44.8M)
(31.2M)
(28.3M)
82.6M
107.4M
101.1M
119.6M
130.8M
93.5M
87.8M
84.3M
70.4M
59.7M
51.3M
18.7M
46.3M
42.3M
50.9M
51.9M
62.5M
41.9M
20.7M
19.1M
PRE-TAX INCOME
(182M)
(198.2M)
(144.7M)
(40.6M)
(26.4M)
(44.6M)
(71M)
(57.1M)
(43.5M)
(29.3M)
(19.9M)
(17M)
(18M)
(26.9M)
(35.6M)
(45.3M)
(52.7M)
(60.4M)
(61.9M)
(55.3M)
221.1M
216.1M
215M
212.3M
189.6M
187.3M
169.8M
172.1M
144M
139.6M
134.7M
106.8M
101.6M
89.1M
95.4M
86.1M
92.5M
75.8M
43.9M
41.7M
(145.6M)
(49.7M)
(47.3M)
(42.3M)
(41M)
(42.8M)
(34.4M)
(37.8M)
(32.7M)
(35.1M)
(36.3M)
(25.7M)
(20.4M)
(20.6M)
(19.5M)
(17.2M)
(20.6M)
(15.6M)
(16.1M)
-23.9M
82.6M
107.4M
101.1M
119.6M
130.8M
93.5M
87.8M
84.3M
70.4M
59.7M
51.3M
18.7M
46.3M
42.3M
50.9M
51.8M
62.5M
41.9M
20.7M
19.1M
NET INCOME
(13.4M)
(18.9M)
(14.4M)
(14.6M)
(17.4M)
(11.3M)
(13.2M)
(10.2M)
(16.1M)
(10.3M)
(7.3M)
-2.2M
(5.1M)
(7.6M)
(10.4M)
(11.8M)
(16.6M)
(11.3M)
(4M)
(4.1M)
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
39.1M
39.1M
44.4M
30.7M
16.7M
15M

SEC Filings

SBSI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 383 filings