Southside Bancshares, Inc. logo SBSI - Southside Bancshares, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 8
SELL 0
STRONG
SELL
0
| PRICE TARGET: $35.00 DETAILS
HIGH: $35.00
LOW: $35.00
MEDIAN: $35.00
CONSENSUS: $35.00
UPSIDE: 6.90%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue
Revenue 419.0 456.1 395.6 293.8 265.3 281.6 282.3 268.8 221.1 205.2 189.4 146.9 153.5 155.0 165.4 181.3 204.9 176.5 132.2 79.8 100.9 88.9 85.1 88.8 94.9 85.6 69.9 52 22.9 19.0 17.0
Cost of Revenue 185.0 201.6 153.9 43.9 9.5 64.8 76.1 65.5 48.2 39.1 28.2 31.9 26.8 37.6 43.1 59.0 67.8 74.0 64.2 56.4 39.9 28.5 30.9 38.5 49.2 47.7 37.5 26 17.2 14.9 13.1
Gross Profit 234.0 254.5 241.7 250.0 255.9 216.8 206.2 203.3 172.9 166.1 161.2 115.0 126.7 117.3 122.2 122.3 137.1 102.4 67.9 23.5 61.0 60.4 54.3 50.3 45.7 37.9 32.4 26 5.7 4.1 3.9
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 5.7 97.4 93.3 88.0 84.1 80.5 84.0 81.3 69.7 71.3 73.6 70.7 60.0 54.5 51.9 53.3 54.0 44.8 31.2 28.3 29.4 27.2 25.0 23.3 19.3 16.8 14.7 12.4 9.9 9.4 8.5
Other Expenses 145.6 49.7 47.3 42.3 41.0 42.8 34.4 37.8 32.7 35.1 36.3 25.7 20.4 20.6 19.5 17.2 20.6 15.6 16.1 (23.9) 13.7 13.1 13.1 11.5 10.1 8.7 7.8 7 (10.9) (10.9) (10.9)
Operating Expenses 151.4 147.1 140.6 130.3 125.0 123.3 118.4 119.0 102.4 106.4 109.9 96.4 80.4 75.0 71.4 70.5 74.6 60.4 47.3 4.4 43.2 40.3 38.1 34.8 29.4 25.5 22.5 19.4 (1.0) (1.5) (2.4)
Operating Income
Operating Income 82.6 107.4 101.1 119.6 130.8 93.5 87.8 84.3 70.4 59.7 51.3 18.7 46.3 42.3 50.9 51.8 62.5 41.9 20.7 19.1 17.9 20.1 16.1 15.5 16.2 12.5 9.9 6.6 6.7 5.6 6.2
Interest Expense 182.0 198.2 144.7 40.6 26.4 44.6 71.0 57.1 43.5 29.3 19.9 17.0 18.0 26.9 35.6 45.3 52.7 60.4 61.9 55.3 38.4 27.6 29.7 36.4 47.6 46.1 36 24.8 16.2 14.4 12.8
Interest Income 403.1 414.3 359.7 253.0 216.0 231.8 240.8 229.2 187.5 168.9 154.5 123.8 119.6 116.0 131.0 131.4 145.2 136.2 105.7 97.0 79.7 67 61 69.2 78.2 75.4 60.7 43.7 35.2 31.8 29.6
Profitability
EBITDA 82.8 117.8 111.7 130.7 142.2 105.6 99.9 98.3 80.6 68.8 59.9 22.1 50.1 45.9 54.2 55.0 65.4 44.5 27.9 21.4 28.8 32.9 32.2 28.2 25.8 15.8 16.1 13.2 9.5 7.9 7.8
EBIT 82.6 107.4 101.1 119.6 130.8 93.5 87.8 84.3 70.4 59.7 51.3 18.7 46.3 42.3 50.9 51.8 62.5 42.1 20.7 19.1 17.9 20.1 16.1 15.5 16.2 12.5 9.9 6.6 6.7 5.6 6.2
Income Before Tax 82.6 107.4 101.1 119.6 130.8 93.5 87.8 84.3 70.4 59.7 51.3 18.7 46.3 42.3 50.9 51.8 62.5 41.9 20.7 19.1 17.9 20.1 16.1 15.5 16.2 12.5 9.9 6.6 6.7 5.6 6.2
Income Tax Expense 13.4 18.9 14.4 14.6 17.4 11.3 13.2 10.2 16.1 10.3 7.3 (2.2) 5.1 7.6 10.4 11.8 16.6 11.2 4.0 4.1 3.3 4.0 2.6 2.2 3.5 2.7 2 1.2 1.7 1.4 1.7
Net Income 69.2 88.5 86.7 105.0 113.4 82.2 74.6 74.1 54.3 49.3 44.0 20.8 41.2 34.7 39.1 39.1 44.4 30.7 16.7 15.0 14.6 16.1 13.6 13.3 11.7 9.8 7.9 5.4 5.0 4.2 4.5
Per Share Data
EPS (Basic) 2.30 2.92 2.82 3.27 3.48 2.47 2.21 2.12 1.82 1.82 1.61 0.97 1.94 1.61 1.82 1.81 2.07 1.46 0.80 0.73 0.72 0.80 0.78 0.79 0.70 0.58 0.46 0.29 0.27 0.23 0.26
EPS (Diluted) 2.29 2.92 2.82 3.26 3.47 2.47 2.20 2.11 1.81 1.81 1.61 0.97 1.94 1.61 1.82 1.81 2.05 1.43 0.78 0.70 0.69 0.75 0.66 0.66 0.59 0.55 0.45 0.28 0.26 0.23 0.26
Shares Outstanding 30.1 30.3 30.7 32.1 32.6 33.2 33.7 35.0 29.8 27.3 27.3 21.6 21.2 21.6 21.5 21.6 21.4 21.0 20.7 20.5 20.1 20.2 17.5 16.8 16.8 17.0 17.2 18.4 18.5 18.6 17.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Current Assets
Cash & Cash Equivalents 384.0 373.4 513.7 115.4 201.8 108.4 130.7 126.5 190.7 161.6 52.2 66.8 49.8 47.2 49.6 52.7 38.8 41.1 41.4 36.6 31.7 26.3
Short-Term Investments 1,262.1 1,111.4 1,296.3 1,299.0 2,764.3 2,587.3 2,358.6 1,989.4 1,538.8 1,479.6 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 41.8 46.7 50.5 49.4 39.1 38.7 28.5 27.3 28.5 25.2 18.5 16.4 8.6 8.4 8.9 8.6 9.1 7.6 6.1 3.9 3.3 3.1
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 1,687.9 1,531.5 1,860.5 1,463.8 3,005.2 2,734.4 2,517.7 2,143.2 1,758.0 1,666.4 70.6 83.1 58.4 55.7 58.5 61.3 47.9 48.7 47.5 40.5 35.0 29.4
Non-Current Assets
Property, Plant & Equipment 164.7 155.5 153.8 156.6 157.6 159.6 153.7 136.0 133.6 106.0 46.5 42.7 30.3 30.6 30.1 27.7 25.5 21.3 19.2 18.0 14.0 11.9
Goodwill 201.1 201.1 201.1 201.1 201.1 201.1 201.1 201.1 201.2 91.5 22.0 22.0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 1.0 1.8 2.9 4.6 6.9 9.7 13.4 17.8 23.0 4.6 1.1 1.5 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 6,225.4 6,329.8 5,809.5 5,449.8 3,714.2 3,733.4 3,691.0 3,461.4 4,190.9 3,489.3 2,553.3 2,471.7 1,501.7 1,345.5 1,239.0 1,166.2 1,070.2 931.5 804.2 509.2 429.3 403.9
Other Non-Current Assets 207.4 263.2 226.7 248.1 174.6 169.9 172.0 154.2 179.2 177.1 329.2 76.4 29.2 23.1 21.6 21.5 8.3 11.1 5.4 3.0 4.0 3.0
Total Non-Current Assets 6,826.7 6,985.9 6,424.4 6,094.9 4,254.4 4,273.8 4,231.2 3,980.3 4,740.1 3,897.4 2,953.6 2,617.1 1,561.3 1,399.3 1,290.6 1,215.4 1,104.0 963.9 828.8 530.6 447.7 419.3
Total Assets 8,514.6 8,517.4 8,284.9 7,558.6 7,259.6 7,008.2 6,748.9 6,123.5 6,498.1 5,563.8 3,024.3 2,700.2 1,619.6 1,455.0 1,349.2 1,276.7 1,151.9 1,012.6 876.3 571.1 482.7 448.7
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 419.1 76.4 0 0 0 0 28.4 36.8 9.5 873.6 16.1 12.5 209.9 198.7 171.8 142.6 156.2 186 123.7 34.5 4.8 4.6
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 6,865.2 6,654.2 6,549.7 6,198.0 5,722.3 4,932.3 4,702.8 4,425.0 4,515.4 3,533.1 1,870.4 1,556.1 941.0 872.5 814.5 758.0 720.6 587.5 515 462.7 425.9 388.3
Total Current Liabilities 7,284.3 6,730.7 6,549.7 6,198.0 5,722.3 4,932.3 4,731.1 4,461.8 4,524.9 4,406.7 1,886.5 1,568.6 1,150.9 1,071.3 986.3 900.5 876.8 773.5 638.7 497.2 430.8 392.9
Non-Current Liabilities
Long-Term Debt 300.6 884.2 876.6 533.5 526.1 1,113.2 1,159.9 877.7 1,175.8 1,468.0 915.2 945.2 351.3 272.7 265.4 297.7 216.6 194.7 176 28.5 9.1 13.7
Deferred Tax Liabilities 0 0 0 0 17.8 15.5 4.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 67.7 74.8 68.6 64.1 64.6 55.1 38.3 52.6 43.2 (829.2) 20.4 25.3 12.8 10.6 15.4 10.0 6.7 6.7 15.2 5.4 6.2 8.7
Total Non-Current Liabilities 382.7 974.8 961.9 614.6 625.1 1,200.6 1,213.2 930.4 1,219.0 638.8 935.5 970.5 364.1 283.3 280.8 307.6 223.3 201.4 191.2 33.9 15.3 22.4
Total Liabilities 7,667.0 7,705.5 7,511.6 6,812.6 6,347.4 6,132.9 5,944.3 5,392.2 5,744.0 5,045.5 2,822.0 2,539.1 1,514.9 1,354.6 1,267.0 1,208.2 1,100.2 974.9 829.9 531.1 446.1 415.3
Stockholders' Equity
Common Stock 47.6 47.6 47.5 47.5 47.5 47.4 47.4 47.3 47.3 39.3 20.9 19.7 15.6 14.7 11.9 10.9 10.3 9.7 0 8.7 8.3 7.9
Retained Earnings 352.2 326.8 282.4 239.6 179.8 111.2 80.3 64.8 32.9 30.1 53.8 34.0 33.7 33.0 29.8 25.1 19.9 14.6 11.4 10.4 9.6 9.1
Accumulated Other Comprehensive Income (95.6) (124.9) (113.5) (137.5) 59.7 69.1 4.2 (50.2) (36.3) (38.5) 4.2 (1.1) (2.0) 6.1 9.1 5.9 (3.3) (9.6) 0 1.4 1.0 0.7
Total Stockholders' Equity 847.6 811.9 773.3 746.0 912.2 875.3 804.6 731.3 754.1 518.3 201.8 160.6 104.7 100.4 82.2 68.6 51.7 37.7 46.4 40.0 36.6 33.4
Total Liabilities & Equity 8,514.6 8,517.4 8,284.9 7,558.6 7,259.6 7,008.2 6,748.9 6,123.5 6,498.1 5,563.8 3,024.3 2,700.2 1,619.6 1,455.0 1,349.2 1,276.7 1,151.9 1,012.6 876.3 571.1 482.7 448.7
Debt Metrics
Total Debt 734.1 976.4 893.3 550.5 542.7 1,129.9 1,198.5 914.5 1,175.8 2,341.6 931.3 957.7 561.2 467.9 437.1 440.2 372.8 380.7 299.7 63.1 13.9 18.3
Net Debt 350.1 603.1 379.6 435.1 341.0 1,021.5 1,067.8 788.0 985.1 2,180.0 879.1 890.9 511.4 420.7 387.5 387.6 334.0 339.6 258.3 26.5 (17.8) (8.0)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Operating Activities
Net Income 69.2 88.5 86.7 105.0 113.4 82.2 74.6 74.1 54.3 49.3 14.6 16.1 13.6 13.3 11.7 9.8 7.9 5.4 5.0 4.2 4.5
Depreciation & Amortization 10.6 10.5 10.6 11.1 11.4 12.1 12.1 14.0 10.2 9.1 10.9 12.9 16.0 12.7 9.6 3.3 6.2 6.6 2.8 2.2 1.6
Stock-Based Compensation 3.0 3.5 3.6 3.2 3.0 3.0 2.4 2.3 1.8 1.5 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (35.9) (16.0) (41.4) 80.4 19.1 (35.5) (26.3) 1.7 (4.5) 5.2 (1.6) (4.9) (4.1) 3.2 (13.9) (4.5) (5.4) 4 0.1 (2.7) (0.3)
Other Non-Cash Items 47.2 16.4 22.6 26.9 4.4 33.2 17.7 24.1 26.3 19.8 0.0 (2.6) 4.8 (1.9) 97.0 0.1 (0.7) (0.7) 0.9 (1.3) 2.0
Operating Cash Flow 93.8 101.8 79.9 226.5 156.1 90.5 80.6 122.4 91.7 86.7 24.4 21.7 29.8 27.7 104.2 8.7 8 15.2 8.7 2.2 8.1
Investing Activities
Capital Expenditure (20.3) (11.2) (6.9) (9.3) (8.4) (11.4) (15.9) (13.4) (9.6) (6.5) (5.5) (2.0) (3.1) (4.7) (4.3) (5.9) (4.2) (3.1) (5.2) (3.1) (2.8)
Acquisitions 0 0 0 0 0 0 0 0 91.7 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (967.7) (1,187.9) (2,046.0) (709.9) (692.7) (916.9) (1,253.1) (306.9) (625.7) (1,046.4) (530.1) (544.8) (673.0) (481.3) (633.0) (391.0) (400.3) (474.4) (210.1) (129.6) (118.3)
Sales/Maturities of Investments 1,095.5 963.9 2,115.3 580.6 494.3 779.2 980.5 569.5 827.3 811.8 423.7 408.5 563.6 451.4 503.8 355.2 315.2 204.7 129.2 102.7 100.5
Other Investing Activities (141.7) (147.7) (389.4) (496.1) 12.8 (74.6) (278.3) 12.8 (110.9) (143.3) (57.7) (35.5) (19.4) (46.5) (57.2) (95.0) (67) (24.3) 0.1 1.1 1.1
Investing Cash Flow (34.2) (382.9) (327.1) (634.8) (194.0) (223.7) (566.8) 261.9 172.7 (384.4) (169.7) (173.8) (131.9) (81.0) (190.7) (136.6) (156.3) (297.1) (85.9) (28.9) (19.6)
Financing Activities
Net Debt Issuance (241.1) 84.1 343.6 7.3 (588.5) (46.9) 245.2 (271.0) (289.9) 260.1 (15.0) 89.9 34.2 (3.1) 67.2 (5.4) 77.8 236.8 11.4 16.9 10.3
Stock Repurchased (23.2) (1.5) (44.8) (33.7) (34.1) (31.0) (2.2) (47.2) 0 (10.2) 0 0 0 0 0 0 0 0 (1.2) (0.4) (0.3)
Dividends Paid (43.4) (43.6) (43.6) (44.9) (44.6) (43.2) (42.5) (42.0) (32.2) (26.0) (5.2) (4.4) (3.2) (2.6) (1.9) (1.7) (1.4) (1.4) (1.3) (1.3) (1.0)
Other Financing Activities 210.1 106.6 352.0 475.9 797.2 250.6 274.2 (103.6) 85.2 85.0 170.5 68.9 58.0 56.5 37.3 133.1 72.5 52.4 72.9 16.3 3.2
Financing Cash Flow (96.0) 146.7 608.5 405.8 131.2 130.9 476.2 (462.3) (235.4) 386.4 147.3 154.7 99.7 50.3 100.4 125.6 148 286.8 82.2 32.0 12.4
Cash Position
Net Change in Cash (36.4) (134.3) 361.3 (2.5) 93.3 (2.3) (10.0) (78.0) 29.0 88.7 2.0 2.6 (2.4) (3.1) 13.9 (2.3) (0.3) (36.6) 4.9 5.3 0.9
Cash at Beginning 426.2 560.5 199.3 201.8 108.4 110.7 120.7 198.7 169.7 81.0 49.8 47.2 49.6 52.7 38.8 41.1 41.4 36.6 31.7 26.3 25.4
Cash at End 389.8 426.2 560.5 199.3 201.8 108.4 110.7 120.7 198.7 169.7 51.8 49.8 47.2 49.6 52.7 38.8 41.1 323.4 36.6 31.7 26.3
Free Cash Flow 73.5 90.7 73.0 217.2 147.7 79.1 64.7 109.0 82.1 80.2 18.9 19.7 26.7 23.0 99.9 2.9 3.8 12.1 3.5 (0.9) 5.3
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Income Statement
Revenue 419.0 456.1 395.6 293.8 265.3 281.6 282.3 268.8 221.1 205.2 189.4 146.9 153.5 155.0 165.4 181.3 204.9 176.5 132.2 79.8 100.9 88.9 85.1 88.8 94.9 85.6 69.9 52 22.9 19.0 17.0
Gross Profit 234.0 254.5 241.7 250.0 255.9 216.8 206.2 203.3 172.9 166.1 161.2 115.0 126.7 117.3 122.2 122.3 137.1 102.4 67.9 23.5 61.0 60.4 54.3 50.3 45.7 37.9 32.4 26 5.7 4.1 3.9
Operating Income 82.6 107.4 101.1 119.6 130.8 93.5 87.8 84.3 70.4 59.7 51.3 18.7 46.3 42.3 50.9 51.8 62.5 41.9 20.7 19.1 17.9 20.1 16.1 15.5 16.2 12.5 9.9 6.6 6.7 5.6 6.2
Net Income 69.2 88.5 86.7 105.0 113.4 82.2 74.6 74.1 54.3 49.3 44.0 20.8 41.2 34.7 39.1 39.1 44.4 30.7 16.7 15.0 14.6 16.1 13.6 13.3 11.7 9.8 7.9 5.4 5.0 4.2 4.5
EPS (Diluted) 2.29 2.92 2.82 3.26 3.47 2.47 2.20 2.11 1.81 1.81 1.61 0.97 1.94 1.61 1.82 1.81 2.05 1.43 0.78 0.70 0.69 0.75 0.66 0.66 0.59 0.55 0.45 0.28 0.26 0.23 0.26
Balance Sheet
Cash & Equivalents 384.0 373.4 513.7 115.4 201.8 108.4 130.7 126.5 190.7 161.6 52.2 66.8 49.8 47.2 49.6 52.7 38.8 41.1 41.4 36.6 31.7 26.3
Total Assets 8,514.6 8,517.4 8,284.9 7,558.6 7,259.6 7,008.2 6,748.9 6,123.5 6,498.1 5,563.8 3,024.3 2,700.2 1,619.6 1,455.0 1,349.2 1,276.7 1,151.9 1,012.6 876.3 571.1 482.7 448.7
Total Debt 734.1 976.4 893.3 550.5 542.7 1,129.9 1,198.5 914.5 1,175.8 2,341.6 931.3 957.7 561.2 467.9 437.1 440.2 372.8 380.7 299.7 63.1 13.9 18.3
Stockholders' Equity 847.6 811.9 773.3 746.0 912.2 875.3 804.6 731.3 754.1 518.3 201.8 160.6 104.7 100.4 82.2 68.6 51.7 37.7 46.4 40.0 36.6 33.4
Cash Flow
Operating Cash Flow 93.8 101.8 79.9 226.5 156.1 90.5 80.6 122.4 91.7 86.7 24.4 21.7 29.8 27.7 104.2 8.7 8 15.2 8.7 2.2 8.1
Capital Expenditure (20.3) (11.2) (6.9) (9.3) (8.4) (11.4) (15.9) (13.4) (9.6) (6.5) (5.5) (2.0) (3.1) (4.7) (4.3) (5.9) (4.2) (3.1) (5.2) (3.1) (2.8)
Free Cash Flow 73.5 90.7 73.0 217.2 147.7 79.1 64.7 109.0 82.1 80.2 18.9 19.7 26.7 23.0 99.9 2.9 3.8 12.1 3.5 (0.9) 5.3