SBSINYSEState Commercial BanksFiscal year ends December 31
SOUTHSIDE BANCSHARES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 24, 2026
$30.48−0.18 (-0.59%)
Close on Oct 19, 2026
- Market cap
- $910.65M
- P/E (TTM)
- 12.0
- Dividend yield
- 4.72%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
29.2%−5.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -8.1% | -2.2% | +0.0% | +55.9% | |
| Net income | -21.8% | -13.0% | -3.4% | +4.6% | |
| EPS, diluted | -21.3% | -11.1% | -1.5% | +3.6% | |
| Free cash flow | -19.0% | -30.3% | -1.5% | +0.6% | |
| Dividend per share | 0.0% | +0.9% | +2.1% | +3.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.3% | 9.8% | 8.3% | |
| Return on assets | 0.9% | 1.2% | 0.8% | |
| Capex to revenue | 211.3% | 4.8% | 8.6% | |
| Diluted shares | 27M | 33M | 30M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Southside Bancshares generated $658.15M from operations and spent $413.50M on capital expenditure, dividends and share buybacks. 14% of that went back into the business.
Generated
$658.15M
Used
$413.50M
Capital expenditure$56.07M14%Dividends$220.09M53%Share buybacks$137.35M33%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin29.2%
×Asset turnover0.03×
×Equity multiplier10.26×
=Return on equity, FY20258.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 29.2% | 0.03× | 10.26× | 8.3% |
| FY2024 | 34.3% | 0.03× | 10.60× | 11.2% |
| FY2023 | 34.6% | 0.03× | 10.43× | 11.4% |
| FY2022 | 41.5% | 0.03× | 8.94× | 12.7% |
| FY2021 | 47.5% | 0.03× | 7.98× | 12.7% |
| FY2020 | 34.7% | 0.03× | 8.19× | 9.8% |
| FY2019 | 35.1% | 0.03× | 8.38× | 9.7% |
| FY2018 | 2471.3% | 0.00× | 8.50× | 10.0% |
| FY2017 | 1752.0% | 0.00× | 9.48× | 8.5% |
| FY2016 | 1591.9% | 0.00× | 11.15× | 10.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$69.22M
- Cash generatingOperating cash flow above zero$93.82M
- Return on assets improvedROA up on the prior year1.1% → 0.8%
- Earnings backed by cashOperating cash flow above net income$93.82M vs $69.22M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise30M → 30M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03