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Southside Bancshares, Inc. logo

Southside Bancshares, Inc.

SBSI

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$32.07

+$0.10 · +0.31%

Aug 21, 4:00 PM ET

SBSI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

70

Undervalued

Momentum

52

Neutral

Sentiment

67

Bullish

Risk resilience

78

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $32.07

52-week range

Current $32.07

Open
$32.14
Previous close
$31.97
Volume
85.23K
Market cap
954.14M USD
50-day average
$33.7044
-4.85% below average
200-day average
$32.1582
-0.27% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.27B USD
P/E (TTM)
12.63×
P/B (TTM)
1.08×
P/S (TTM)
2.09×
EV / EBITDA
15.28×
Earnings yield
7.56%
Free cash flow yield
8.02%
Dividend yield
4.52%

Profitability & efficiency

Gross margin
49.65%
Operating margin
19.86%
Net margin
16.61%
Return on equity
8.17%
Return on assets
0.81%
Return on invested capital
4.20%

Financial health

Debt / equity
1.86×
Current ratio
0.23×
Altman Z-score
-0.54
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%72%40%9%Gross margin, FY2021: 96.43%Gross margin, FY2022: 85.07%Gross margin, FY2023: 61.10%Gross margin, FY2024: 55.81%Gross margin, FY2025: 55.84%Operating margin, FY2021: 49.31%Operating margin, FY2022: 40.71%Operating margin, FY2023: 25.57%Operating margin, FY2024: 23.54%Operating margin, FY2025: 19.72%Net margin, FY2021: 42.74%Net margin, FY2022: 35.74%Net margin, FY2023: 21.92%Net margin, FY2024: 19.40%Net margin, FY2025: 16.52%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.43%. Gross margin FY2022 85.07%. Gross margin FY2023 61.10%. Gross margin FY2024 55.81%. Gross margin FY2025 55.84%. Operating margin FY2021 49.31%. Operating margin FY2022 40.71%. Operating margin FY2023 25.57%. Operating margin FY2024 23.54%. Operating margin FY2025 19.72%. Net margin FY2021 42.74%. Net margin FY2022 35.74%. Net margin FY2023 21.92%. Net margin FY2024 19.40%. Net margin FY2025 16.52%.

Income trends

Revenue

419.03M USD-8.12%

Operating income

82.63M USD-23.05%

Net income

69.22M USD-21.78%
Income trends across reported periods494.75M USD340.01M USD185.27M USD30.54M USDRevenue, FY2021: 265.32M USDRevenue, FY2022: 293.84M USDRevenue, FY2023: 395.58M USDRevenue, FY2024: 456.07M USDRevenue, FY2025: 419.03M USDOperating income, FY2021: 130.83M USDOperating income, FY2022: 119.63M USDOperating income, FY2023: 101.13M USDOperating income, FY2024: 107.38M USDOperating income, FY2025: 82.63M USDNet income, FY2021: 113.4M USDNet income, FY2022: 105.02M USDNet income, FY2023: 86.69M USDNet income, FY2024: 88.49M USDNet income, FY2025: 69.22M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 265.32M USD. Revenue FY2022 293.84M USD. Revenue FY2023 395.58M USD. Revenue FY2024 456.07M USD. Revenue FY2025 419.03M USD. Operating income FY2021 130.83M USD. Operating income FY2022 119.63M USD. Operating income FY2023 101.13M USD. Operating income FY2024 107.38M USD. Operating income FY2025 82.63M USD. Net income FY2021 113.4M USD. Net income FY2022 105.02M USD. Net income FY2023 86.69M USD. Net income FY2024 88.49M USD. Net income FY2025 69.22M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue419.03M USD456.07M USD395.58M USD293.84M USD265.32M USD
Cost of goods sold185.04M USD201.56M USD153.87M USD43.88M USD9.47M USD
Gross profit233.99M USD254.51M USD241.71M USD249.96M USD255.86M USD
Selling, general, and administrative97.96M USD97.44M USD93.28M USD88.01M USD84.07M USD
Operating expenses151.36M USD147.14M USD140.58M USD130.33M USD125.03M USD
Interest income403.07M USD414.34M USD359.74M USD252.98M USD215.99M USD
Interest expense181.99M USD198.21M USD144.71M USD40.64M USD26.43M USD
Depreciation and amortization213K USD10.46M USD10.58M USD11.11M USD11.42M USD
Operating income82.63M USD107.38M USD101.13M USD119.63M USD130.83M USD
Net income69.22M USD88.49M USD86.69M USD105.02M USD113.4M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+2.44%
11 comparable reports
Latest EPS result
0.9
Estimate 0.86 · Beat by 4.65%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.940.840.730.63Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 0.72, estimate 0.71, surprise +1.41%, Beat. Q2 2025, reported Apr 29, 2025: actual 0.71, estimate 0.67, surprise +5.97%, Beat. Q3 2025, reported Jul 25, 2025: actual 0.72, estimate 0.69, surprise +4.35%, Beat. Q4 2025, reported Oct 24, 2025: actual 0.8, estimate 0.72, surprise +11.11%, Beat. Q1 2026, reported Jan 29, 2026: actual 0.7, estimate 0.8, surprise -12.50%, Miss. Q2 2026, reported Apr 30, 2026: actual 0.78, estimate 0.76, surprise +2.63%, Beat. Q3 2026, reported Jul 24, 2026: actual 0.9, estimate 0.86, surprise +4.65%, Beat. Q4 2026, reported Oct 23, 2026: actual —, estimate 0.77, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates78M72.23M66.46M60.7MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 67.09M USD, estimate 67.23M USD, surprise -0.20%, Miss. Q2 2025, reported Apr 29, 2025: actual 63.7M USD, estimate 68.31M USD, surprise -6.76%, Miss. Q3 2025, reported Jul 25, 2025: actual 66.01M USD, estimate 69.49M USD, surprise -5.01%, Miss. Q4 2025, reported Oct 24, 2025: actual 72.32M USD, estimate 71.7M USD, surprise +0.86%, Beat. Q1 2026, reported Jan 29, 2026: actual 71.99M USD, estimate 71.74M USD, surprise +0.35%, Beat. Q2 2026, reported Apr 30, 2026: actual 72.1M USD, estimate 70.92M USD, surprise +1.67%, Beat. Q3 2026, reported Jul 24, 2026: actual 72.75M USD, estimate 75M USD, surprise -3.00%, Miss. Q4 2026, reported Oct 23, 2026: actual —, estimate 72.7M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$35.00

9.14% upside
Past 12 months12-month forecastHigh $37.00Average $35.00Low $33.00

Rating distribution

8 ratings
Strong buy00%
Buy00%
Hold8100%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions
Piper SandlermaintainNeutral

SBSI news

businesswire.com

Southside Bancshares, Inc. Increases and Declares Cash Dividend

TYLER, Texas--(BUSINESS WIRE)--The Board of Directors of Southside Bancshares, Inc., (NYSE:SBSI), parent company of Southside Bank, approved a 2.8% increase to the regular quarterly cash dividend of $0.01, to $0.37 per…

Read source
defenseworld.net

Arrowstreet Capital Limited Partnership Sells 18,834 Shares of Southside Bancshares, Inc. $SBSI

Arrowstreet Capital Limited Partnership decreased its position in Southside Bancshares, Inc. (NYSE: SBSI) by 14.1% during the first quarter, according to the company in its most recent filing with the Securities and…

Read source
defenseworld.net

Fifth Third Bancorp Purchases 16,490 Shares of Southside Bancshares, Inc. $SBSI

Fifth Third Bancorp boosted its position in Southside Bancshares, Inc. (NYSE: SBSI) by 35,847.8% during the undefined quarter, according to its most recent Form 13F filing with the SEC. The fund owned 16,536 shares of…

Read source
defenseworld.net

Southside Bancshares Q2 Earnings Call Highlights

Southside Bancshares (NYSE: SBSI) reported second-quarter 2026 net income of $26.8 million, up $3.6 million, or 15.4%, from the prior quarter, as higher non-interest income and lower expenses more than offset pressure on…

Read source
seekingalpha.com

Southside Bancshares, Inc. (SBSI) Q2 2026 Earnings Call Transcript

Southside Bancshares, Inc. (SBSI) Q2 2026 Earnings Call Transcript

Read source
marketbeat.com

Southside Bancshares Q2 Earnings Call Highlights

Southside Bancshares NYSE: SBSI reported second-quarter 2026 net income of $26.8 million, up $3.6 million, or 15.4%, from the prior quarter, as higher non-interest income and lower expenses more than offset pressure on…

Read source

Corporate actions

Corporate action history

Stock split

Effective May 25, 2017

128:125

Stock split

Effective May 26, 2016

21:20

Stock split

Effective Apr 23, 2015

21:20

Stock split

Effective Apr 8, 2014

21:20

Stock split

Effective Apr 16, 2013

21:20

Stock split

Effective Apr 16, 2012

21:20

SBSI peers

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BRK-B

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$495.82

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Berkshire Hathaway Inc. logo

BRK-A

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$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

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Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding SBSI

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
55.71M
Weight
0.05%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
29.16M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
23.9M
Weight
0.03%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
10.53M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
8.43M
Weight
0.05%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%
iShares S&P Small-Cap 600 Value ETF logoiShares S&P Small-Cap 600 Value ETFIJS
Market value
8.13M
Weight
0.10%
AUM
8.33B USD
Expense ratio
0.18%
Price / 1D
$138.43+0.67%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
7.64M
Weight
0.05%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
7.32M
Weight
0.02%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%

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