Southside Bancshares Inc (SBSI) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Southside Bancshares reported revenue of $237.0M, down 8.1% from $257.9M the year before. Net income was $69.2M (a 29.2% net margin), or $2.29 per diluted share. Net interest income was $221.1M, and the efficiency ratio (noninterest expense / revenue) was 63.9%. Operating activities generated $93.8M of cash, leaving $73.5M of free cash flow. At fiscal year end, Southside Bancshares held $8.51B in total assets against $7.67B in total liabilities, including $389.8M of cash and equivalents.
Open the full interactive Southside Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
Southside Bancshares Key Stats
| Share Price | $30.38 |
|---|---|
| Market Cap | $907.7M |
| P/E Ratio | 13.3 |
| Revenue YoY Growth | -8.1% |
| 52-Week Range | $25.24 – $35.33 |
| Shares Outstanding | 29.8 million (basic, 2026 Q2) |
Southside Bancshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $187.3M | $189.6M | $212.3M | $215.0M | $216.1M | $221.1M |
| Provision for Credit Losses | $20.1M | -$17.0M | $3.2M | $9.2M | $3.3M | $3.1M |
| Noninterest Income | $49.7M | $49.3M | $40.9M | $35.8M | $41.7M | $16.0M |
| Noninterest Expense | $123.3M | $125.0M | $130.3M | $140.6M | $147.1M | $151.4M |
| Revenue | $237.0M | $238.9M | $253.2M | $250.9M | $257.9M | $237.0M |
| Pre-Tax Income | $93.5M | $130.8M | $119.6M | $101.1M | $107.4M | $82.6M |
| Income Tax | $11.3M | $17.4M | $14.6M | $14.4M | $18.9M | $13.4M |
| Net Income | $82.2M | $113.4M | $105.0M | $86.7M | $88.5M | $69.2M |
| Diluted EPS | $2.47 | $3.47 | $3.26 | $2.82 | $2.91 | $2.29 |
Southside Bancshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $43.7M | $62.8M | $70.3M | $71.3M |
| Net Income | $4.9M | $21.0M | $23.3M | $26.8M |
| Diluted EPS | $0.16 | $0.69 | $0.78 | $0.90 |
Southside Bancshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $108.4M | $201.8M | $199.3M | $560.5M | $426.2M | $389.8M |
| Loans (Net) | $3.61B | $3.61B | $4.11B | $4.48B | $4.62B | $4.77B |
| Total Assets | $7.01B | $7.26B | $7.56B | $8.28B | $8.52B | $8.51B |
| Deposits | $4.93B | $5.72B | $6.20B | $6.55B | $6.65B | $6.87B |
| Total Long-Term Debt | $855.7M | $158.8M | $158.9M | $154.1M | $152.3M | $300.0M |
| Total Liabilities | $6.13B | $6.35B | $6.81B | $7.51B | $7.71B | $7.67B |
| Shareholders' Equity | $875.3M | $912.2M | $746.0M | $773.3M | $811.9M | $847.6M |
Southside Bancshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $90.5M | $156.1M | $226.5M | $79.9M | $101.8M | $93.8M |
| Cash From Investing | -$223.7M | -$194.0M | -$634.8M | -$327.1M | -$382.9M | -$34.2M |
| Cash From Financing | $130.9M | $131.2M | $405.8M | $608.5M | $146.7M | -$96.0M |
| Free Cash Flow | $79.1M | $147.7M | $217.2M | $73.0M | $90.7M | $73.5M |
Figures from Southside Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Southside Bancshares financials page for every line item.
Southside Bancshares Company Profile
| Ticker | SBSI |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Tyler, Texas |
| Incorporated in | Texas |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000705432 |
Frequently Asked Questions
What was Southside Bancshares' revenue in fiscal 2025?
Southside Bancshares (SBSI) reported revenue of $237.0M for fiscal 2025.
What is Southside Bancshares' annual revenue history?
Southside Bancshares' annual revenue by fiscal year: 2020: $237.0M; 2021: $238.9M; 2022: $253.2M; 2023: $250.9M; 2024: $257.9M; 2025: $237.0M.
What was Southside Bancshares' net income in fiscal 2025?
Southside Bancshares reported net income of $69.2M for fiscal 2025.
What was Southside Bancshares' earnings per share (EPS) in fiscal 2025?
Southside Bancshares' diluted EPS was $2.29 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Southside Bancshares generate in fiscal 2025?
Southside Bancshares generated $73.5M of free cash flow in fiscal 2025.
What was Southside Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Southside Bancshares reported revenue of $71.3M.
How much debt does Southside Bancshares have?
Southside Bancshares reported $300.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Southside Bancshares are outstanding?
Southside Bancshares reported a weighted average of 29.8 million basic shares outstanding in 2026 Q2.
What is Southside Bancshares' market cap?
Based on its latest closing price, Southside Bancshares (SBSI) has a market capitalization of about $907.7M.
When does Southside Bancshares' fiscal year end?
Southside Bancshares' fiscal year end, as registered with the SEC, is December 31.
Where is Southside Bancshares headquartered?
Southside Bancshares lists its business address in Tyler, Texas in its SEC filings.