Southside Bancshares (SBSI) Financials

$32.08

$0.66 (2.10%)

As on 02-Sep-2026 16:00EDT

Market cap

$950 Mln

Revenue (TTM)

$458 Mln

P/E Ratio

12.5

P/B Ratio

1.1

Div. Yield

4.5 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	457.60	419.03	456.07	395.58	293.84	265.32
Cost of Revenue	230.42	185.04	201.56	153.87	43.88	9.47
Gross Profit	227.18	233.99	254.51	241.71	249.96	255.86
Operating Expenses	136.31	151.36	147.14	140.58	130.33	125.03
Operating Profit (EBIT)	90.87	82.63	107.38	101.13	119.63	130.83
Other Income	--	--	--	--	--	--
Profit before Tax	90.75	82.63	107.38	101.13	119.63	130.83
Provision for Tax	14.75	13.41	18.88	14.44	14.61	17.43
Profit after Tax (Net Income)	76.00	69.22	88.49	86.69	105.02	113.40
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	105.02	113.40

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	882.46	847.62	811.94	773.29	746.00	912.17
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	296.22	382.68	974.82	961.95	6,812.64	625.10
Current Liabilities	7,585.03	7,284.30	6,730.69	6,549.68	2,112.48	5,722.33
Total Liabilities	16,348.74	8,514.59	8,517.45	8,284.91	7,558.64	7,259.60

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	6,752.89	6,826.66	6,985.92	6,424.39	381.69	4,254.38
Current Assets	2,010.83	1,687.93	1,531.53	1,860.52	166.67	3,005.22
Total Assets	10,774.54	8,514.59	8,517.45	8,284.91	7,558.64	7,259.60
Total Debt*	1,637.64	734.09	976.45	893.32	599.85	542.73
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	93.82	101.85	79.86	226.52	156.10
Cash Flow from Investing Activities	--	-34.22	-382.86	-327.07	-634.78	-194.01
Cash from Financing Activities	--	-95.97	146.66	608.47	405.76	131.25
Net Cash Inflow / Outflow	--	--	--	--	-2.50	93.35

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	2.54	2.31	2.91	2.86	3.29	3.49
Cash EPS ($)	--	2.67	3.26	3.22	3.36	3.58
Adjusted Book Value ($)	--	28.31	26.74	25.54	23.34	28.08
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	3.13	3.35	2.64	7.09	4.81
Free Cash Flow per Share ($)	--	2.45	2.99	2.41	6.80	4.55

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	4.11	5.12	5.76	7.50	6.55
ROE (%)	8.79	8.34	11.16	11.41	12.67	12.69
ROA (%)	0.77	0.81	1.05	1.09	1.42	1.59
EBIT Margin (%)	12.71	19.72	23.54	25.57	40.71	49.31
Net Margin (%)	16.61	16.52	19.40	21.92	35.74	42.74
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	1.92	-0.08	0.15	0.35	0.11	-0.06
EBIT Growth (%)	-44.13	-23.05	6.18	-15.47	-8.56	39.94
Net Profit Growth (%)	-11.25	-21.78	2.08	-17.45	-7.39	38.04
EPS Growth (%)	-9.85	-0.21	0.02	-0.13	-0.06	0.41
Book Value Growth (%)	10.90	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	12.50	13.15	10.90	10.94	10.95	11.98
Price / Book Value	1.08	1.07	1.19	1.23	1.54	1.49
Dividend Yield (%)	4.52	--	--	--	--	--
EV/EBITDA	--	-0.03	3.87	0.28	2.57	-7.49
Close Price ($)	35.19	30.39	31.76	31.32	35.99	41.82
High Price ($)	35.38	33.14	38.00	40.38	44.75	45.36
Low Price ($)	26.32	25.85	25.30	25.38	31.18	30.79
Market Cap ($ Cr)	950.28	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	0.24	0.87	1.20	1.16	0.80	0.59
Short term debt to equity ratio	1.60	0.49	0.09	0.93	0.59	0.40
Current Ratio	0.27	0.23	0.23	0.28	0.08	0.53
Quick Ratio	0.27	--	--	0.27	0.08	0.57
Interest Coverage	1.50	0.45	0.54	0.70	2.94	4.95

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	9.48	9.98	10.24	12.76	16.79	14.75
Asset Turnover	0.05	0.05	0.05	0.05	0.04	0.04
Receivable days	--	38.59	38.93	46.09	55.00	53.59
Inventory Days	--	--	129.63	85.10	-1,001.88	-7,488.17
Payable days	--	--	--	14,712.78	49,610.38	205,557.29
Cash Conversion Cycle	--	--	--	-14,581.59	-50,557.26	-212,991.86

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.