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SOUTHSIDE BANCSHARES INC

SBSI

$32.47 ▼ -0.15 (-0.46%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

SOUTHSIDE BANCSHARES INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $978.5M

Dividend Yield 4.43%

Revenue Growth -8.1% ↘

Op. Margin 34.9% ↘

ROIC None

FCF / Share None

Trailing P/E 14.1x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.35

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$237.04M

↓ -8.1% —

Net Income Profit after all expenses

$69.22M

↓ -21.8% —

Operating Margin Operating profit as % of sales

34.9%

↓ -16.3% 90th

Long-Term Debt Long-term obligations

$299.96M

↑ +96.9% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.44 Latest / share

+0.0% YoY

+3.8% 12-yr CAGR

$0.96

FY 2014

$0.96

FY 2015

$1.00

FY 2016

$1.11

FY 2017

$1.20

FY 2018

$1.26

FY 2019

$1.30

FY 2020

$1.37

FY 2021

$1.40

FY 2022

$1.42

FY 2023

$1.44

FY 2024

$1.44

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-8.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-235%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	0.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-87%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+95%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	17.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+188%)	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-77%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	31.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+424%)	-4.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-168%)	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-1.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	-4.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	-8.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-238%)	—	—
EPS Growth YoY (%)	-21.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-13.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	40.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	11.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	4.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	16.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-2.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	58.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-52.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-15.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-12.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-21.8% Weak ↓ Weak Declining Year-over-year change in net income	2.1% Caution ↓ Caution Declining Year-over-year change in net income	-17.5% Weak ↓ Weak Declining Year-over-year change in net income	-7.4% Weak ↓ Weak Declining Year-over-year change in net income	38.0% Excellent ↑ Excellent Improving Year-over-year change in net income	10.2% Fair ↓ Fair Declining Year-over-year change in net income	0.6% Caution ↓ Caution Declining Year-over-year change in net income	36.5% Excellent ↓ Excellent Declining Year-over-year change in net income	10.1% Fair ↓ Fair Declining Year-over-year change in net income	12.2% Fair ↓ Fair Declining Year-over-year change in net income	111.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-49.4% Weak ↓ Weak Declining Year-over-year change in net income	18.7% Good ↑ Good Improving Year-over-year change in net income	-11.3% Weak ↓ Weak Declining Year-over-year change in net income	0.1% Caution Caution Year-over-year change in net income	-11.9% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.1% Fair → Fair Stable Compound annual revenue growth over 3 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.0% Weak Weak Compound annual revenue growth over 3 years	-4.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	0.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.7% Fair Fair Compound annual revenue growth over 5 years	-2.5% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-11.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	18.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	20.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-5.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-4.8% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-22.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.6% Weak Weak Compound annual EPS growth over 3 years	-11.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	34.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	41.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	40.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	47.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	54.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	39.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	16.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.2% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	29.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	34.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	34.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	41.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	47.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+116%)	34.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	35.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	34.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	27.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	25.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	15.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	26.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	29.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	28.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	29.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	10.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	11.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	14.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	7.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	15.9% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	13.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	15.1% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	18.2% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+52%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.19x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.21x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	2.85x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+137%)	2.73x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+127%)	2.26x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+89%)	2.44x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+104%)	2.26x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+88%)	2.65x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+121%)	2.93x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+145%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$7.87	$8.51	$8.17	$7.88	$7.34	$7.14	$6.29	$6.09	$6.08	$6.77	$6.48	$6.56	$7.29	$7.10	$7.57	—	—	—
Basic EPS, GAAP (USD)	$2.30	$2.92	$2.82	$3.27	$3.48	$2.47	$2.21	$2.12	$1.82	$1.86	$1.65	$1.04	$2.19	$1.91	$2.26	$2.37	$2.71	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.44	$1.44	$1.42	$1.40	$1.37	$1.30	$1.26	$1.20	$1.11	$1.00	$0.96	$0.96	$0.91	$1.11	$0.90	$0.85	$0.75	—
Book Value per Share (USD)	$28.13	$26.80	$25.19	$23.23	$28.02	$26.36	$23.84	$20.92	$25.27	$19.59	$16.68	$21.23	$13.83	$14.17	$14.99	—	—	—
Tangible Book Value per Share (USD)	$21.42	$20.11	$18.54	$16.82	$21.63	$20.01	$17.49	$14.66	$17.76	$15.96	$13.00	$16.23	$12.64	$12.94	$13.69	—	—	—
Basic Weighted Avg Shares (shares)	30.14M	30.29M	30.70M	32.12M	32.56M	33.20M	33.75M	34.95M	29.84M	26.45M	26.62M	20.03M	18.77M	18.19M	17.27M	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	53.8% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	92.3% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.1% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	39.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$299.96M	$152.32M	$154.15M	$158.94M	$158.79M	$257.51M	$158.83M	$158.65M	$158.49M	$601.46M	$562.51M	$660.36M	$559.66M	$429.41M	$321.04M	$433.79M	—	—
Total Equity (USD)	$847.62M	$811.94M	$773.29M	$746.00M	$912.17M	$875.30M	$804.58M	$731.29M	$754.14M	$518.27M	$444.06M	$425.24M	$259.52M	$257.76M	$258.93M	$214.46M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$237.04M	$257.86M	$250.86M	$253.20M	$238.89M	$237.00M	$212.17M	$212.84M	$181.44M	$178.98M	$172.57M	$131.31M	$136.88M	$129.15M	$130.73M	$136.87M	$149.19M	—
Depreciation Expense (USD)	$10.61M	$10.46M	$10.58M	$11.11M	$11.42M	$12.08M	$12.11M	$14.04M	$10.21M	$9.08M	$8.62M	$3.46M	$3.70M	$3.60M	$3.40M	—	—	—
Net Income, GAAP (USD)	$69.22M	$88.49M	$86.69M	$105.02M	$113.40M	$82.15M	$74.55M	$74.14M	$54.31M	$49.35M	$44.00M	$20.83M	$41.19M	$34.70M	$39.13M	$39.10M	$44.40M	—
Operating Cash Flow (USD)	$93.82M	$101.85M	$79.86M	$226.52M	$156.10M	$90.52M	$80.61M	$122.40M	$91.73M	$86.72M	$72.98M	$56.03M	$59.51M	$69.57M	$73.58M	$52.59M	$24.91M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	2.5%	2.6%	2.8%	2.6%	2.7%	2.5%	2.8%	2.2%	2.5%	2.6%	2.2%	2.9%	2.8%	2.9%	2.9%	—	—
Efficiency Ratio (%) (%)	63.9%	57.1%	56.0%	51.5%	52.3%	52.0%	56.2%	56.4%	58.6%	61.2%	65.5%	74.4%	59.7%	58.9%	55.3%	52.1%	48.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

SOUTHSIDE BANCSHARES INC

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