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Southside Bancshares, Inc.

Southside Bancshares, Inc.

SBSI · NYSE · Financial Services / Banks - Regional

34.74USD-0.24 (-0.69%)

Price History

Full chart

Market Stats

Previous Close34.98
Open34.95
Day Range34.64 – 35.23
52-Week Range25.12 – 35.79
Volume130.40K
Market Cap914.87M
P/E (TTM)12.06
Forward P/E10.70
EPS2.55
Dividend Yield4.76%
Beta0.57
50-Day Avg32.31
200-Day Avg32.47

About

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company offers consumer loan services, including 1-4 family residential, home equity, home improvement, automobile, and other consumer related loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also provides trust and wealth management services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; brokerage services; and safe deposit services. In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking products. The company offers various banking services through branches, drive-thru facilities, loan production offices, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Keith M. Donahoe
  • Employees781
  • Headquarters1201 South Beckham Avenue, Tyler, TX, United States, 75701, USA
  • Websitehttps://www.southside.com

Leadership

  • Mr. Keith M. DonahoeCEO, President & Director · b. 1971
  • Ms. Julie N. Shamburger CPAChief Financial Officer · b. 1963
  • Mr. T. L. Arnold Jr.Chief Credit Officer · b. 1964
  • Mr. Curtis R. BurchardChief Lending Officer · b. 1962
  • Mr. Mitchell CraddockChief Operations Officer · b. 1981
  • Ms. April Pinkley CPAChief Accounting Officer · b. 1971
  • Ms. Lindsey Bailes CPASenior VP & Investor Relations Officer
  • Vonna CrowleyChief Compliance Officer
  • Ms. Anne MartinezChief Risk Officer · b. 1976
  • Ms. Sandi Hegwood CPASenior VP & Chief Audit Executive

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue17.01M19.03M22.88M52.00M69.90M85.64M94.90M88.83M85.11M88.90M100.93M79.84M132.16M176.48M204.87M181.35M165.37M154.98M153.52M146.94M189.37M205.19M221.06M268.85M282.26M281.56M265.32M293.84M395.57M456.07M419.03M
Growth (%)-+11.87%+20.21%+127.31%+34.42%+22.53%+10.80%-6.39%-4.19%+4.45%+13.53%-20.89%+65.52%+33.53%+16.09%-11.48%-8.81%-6.29%-0.94%-4.29%+28.88%+8.35%+7.73%+21.62%+4.99%-0.25%-5.77%+10.75%+34.62%+15.29%-8.12%
Cost of Revenue13.14M14.90M17.21M26.00M37.50M47.71M49.23M38.50M30.86M28.53M39.88M56.36M64.21M74.04M67.77M59.04M43.13M37.63M26.85M31.89M28.20M39.13M48.18M65.54M76.08M64.76M9.47M43.88M153.87M201.56M185.04M
Gross Profit3.87M4.13M5.67M26.00M32.40M37.94M45.67M50.33M54.25M60.37M61.04M23.48M67.94M102.44M137.10M122.30M122.25M117.35M126.67M115.04M161.18M166.06M172.88M203.31M206.18M216.80M255.86M249.96M241.71M254.51M233.99M
Gross Margin22.77%21.72%24.77%50.00%46.35%44.30%48.12%56.66%63.74%67.91%60.48%29.41%51.41%58.05%66.92%67.44%73.92%75.72%82.51%78.29%85.11%80.93%78.21%75.62%73.05%77.00%96.43%85.07%61.10%55.81%55.84%
Operating Expense-2.37M-1.51M-1.03M19.40M22.50M25.45M29.42M34.82M38.11M40.32M43.16M4.38M47.28M60.49M74.63M70.49M71.36M75.04M80.39M96.37M109.90M106.39M102.45M119.01M118.40M123.31M125.03M130.33M140.58M147.14M151.36M
Operating Income6.25M5.64M6.70M6.60M9.90M12.48M16.25M15.51M16.15M20.05M17.89M19.10M20.66M41.95M62.47M51.81M50.88M42.30M46.29M18.67M51.28M59.67M70.43M84.30M87.78M93.49M130.83M119.63M101.13M107.38M82.63M
Operating Margin36.71%29.65%29.27%12.69%14.16%14.58%17.12%17.46%18.97%22.55%17.72%23.92%15.63%23.77%30.49%28.57%30.77%27.30%30.15%12.71%27.08%29.08%31.86%31.36%31.10%33.20%49.31%40.71%25.57%23.54%19.72%
EBITDA7.81M7.89M9.50M13.20M16.10M15.79M25.81M28.23M32.17M32.92M28.80M21.38M27.87M44.55M65.36M55.02M54.25M45.91M50.13M22.13M59.90M68.76M80.64M98.35M99.89M105.57M142.25M130.74M111.71M117.84M82.84M
EBITDA Margin45.90%41.47%41.52%25.38%23.03%18.44%27.20%31.78%37.79%37.03%28.53%26.77%21.09%25.24%31.90%30.34%32.80%29.62%32.65%15.06%31.63%33.51%36.48%36.58%35.39%37.50%53.61%44.49%28.24%25.84%19.77%
Net Income4.53M4.21M5.01M5.40M7.90M9.82M11.73M13.32M13.56M16.10M14.59M15.00M16.68M30.70M44.40M39.10M39.13M34.70M41.19M20.83M44.00M49.35M54.31M74.14M74.55M82.15M113.40M105.02M86.69M88.49M69.22M
Net Income Margin26.64%22.10%21.88%10.38%11.30%11.47%12.36%15.00%15.94%18.11%14.46%18.79%12.62%17.39%21.67%21.56%23.66%22.39%26.83%14.18%23.23%24.05%24.57%27.58%26.41%29.18%42.74%35.74%21.92%19.40%16.52%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense12.84M14.40M16.20M24.80M36.00M46.14M47.56M36.38M29.65M27.61M38.42M55.28M61.86M60.36M52.67M45.31M35.63M26.89M17.97M16.96M19.85M29.35M43.50M57.10M70.98M44.56M26.43M40.64M144.71M198.21M181.99M
Interest Expense % of Total Revenue75.46%75.65%70.84%47.69%51.50%53.87%50.12%40.96%34.84%31.05%38.07%69.24%46.81%34.20%25.71%24.98%21.55%17.35%11.70%11.54%10.48%14.30%19.68%21.24%25.15%15.83%9.96%13.83%36.58%43.46%43.43%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets448.67M482.69M571.14M876.30M1.01B1.15B1.28B1.35B1.45B1.62B1.78B1.89B2.20B2.70B3.02B3.00B3.30B3.24B3.45B4.81B5.16B5.56B6.50B6.12B6.75B7.01B7.26B7.56B8.28B8.52B8.51B
Total Liabilities415.32M446.09M531.11M829.90M974.90M1.10B1.21B1.27B1.35B1.51B1.67B1.78B2.06B2.54B2.82B2.78B3.04B2.98B3.19B4.38B4.72B5.05B5.74B5.39B1.15B6.13B6.35B6.81B7.51B7.71B7.67B
Total Equity33.35M36.60M40.03M46.40M37.70M51.70M68.58M82.17M100.39M104.70M109.29M110.60M132.33M160.62M201.78M214.32M258.93M257.76M259.52M425.24M444.06M518.27M754.14M731.29M5.60B875.30M912.17M746.00M773.29M811.94M847.62M
Cash26.32M31.65M36.59M41.40M41.10M38.80M52.68M49.61M47.22M49.83M51.83M55.01M75.45M66.77M52.17M79.07M43.24M150.63M54.43M84.66M80.97M161.61M190.71M126.50M130.70M108.41M201.75M115.42M513.74M373.35M383.99M
Total Debt18.29M13.90M63.08M299.70M380.70M372.84M440.24M437.14M467.90M561.19M543.48M485.19M509.87M957.67M931.27M625.53M683.07M580.61M633.11M957.73M1.21B2.34B1.18B914.53M1.15B1.13B542.73M599.85M893.32M976.45M734.09M
Net Debt-8.04M-17.76M26.48M258.30M339.60M334.04M387.56M387.53M420.68M511.36M491.65M430.18M434.42M890.90M879.10M546.46M639.83M429.98M578.67M873.08M1.13B2.18B985.14M788.03M1.01B1.02B340.97M418.03M379.58M603.09M350.10M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow8.09M2.22M8.68M15.20M8.00M8.73M104.20M27.70M29.81M21.74M24.36M19.17M22.60M28.84M24.91M52.59M73.58M69.57M59.51M56.03M72.98M86.72M91.73M122.40M80.61M90.52M156.10M226.52M79.86M101.85M93.82M
Investing Cash Flow-19.59M-28.88M-85.93M-297.10M-156.30M-136.62M-190.70M-81.05M-131.86M-173.79M-169.67M-118.00M-161.70M-505.43M-296.50M14.72M-341.35M137.16M-367.80M-67.29M-384.41M-384.40M172.74M261.90M-566.83M-223.74M-194.01M-634.78M-327.07M-382.86M-34.22M
Financing Cash Flow12.44M31.99M82.19M286.80M148.00M125.56M100.38M50.27M99.66M154.66M147.31M102.01M160.09M467.35M256.98M-40.40M231.93M-99.34M212.10M41.48M307.75M386.36M-235.43M-462.28M476.20M130.93M131.25M405.76M608.47M146.66M-95.97M
Capital Expenditure2.82M3.07M5.15M3.10M4.20M5.87M4.26M4.68M3.08M1.99M5.46M1.31M4.58M5.32M6.81M6.90M3.92M3.11M5.66M5.16M3.77M6.55M9.63M13.44M15.88M11.44M8.37M9.30M6.90M11.16M20.34M
Free Cash Flow5.27M-852.00K3.52M12.10M3.80M2.86M99.94M23.02M26.73M19.75M18.91M17.86M18.02M23.53M18.09M45.68M69.67M66.46M53.84M50.87M69.22M80.18M82.10M108.96M64.72M79.08M147.74M217.22M72.96M90.69M73.48M
Dividends Paid1.05M1.26M1.32M1.40M1.40M1.66M1.89M2.65M3.20M4.44M5.21M5.70M6.47M8.27M11.08M13.22M14.67M19.08M16.09M17.92M25.07M25.96M32.20M41.98M42.52M43.20M44.57M44.94M43.58M43.63M43.37M
FCF to OCF65.11%-38.41%40.62%79.61%47.50%32.79%95.92%83.10%89.66%90.83%77.61%93.19%79.73%81.57%72.64%86.87%94.68%95.53%90.48%90.79%94.84%92.45%89.50%89.02%80.30%87.37%94.64%95.89%91.36%89.04%78.32%
Dividend Paid to FCF19.88%-147.65%37.33%11.57%36.84%57.91%1.89%11.49%11.96%22.50%27.58%31.92%35.89%35.13%61.22%28.94%21.06%28.72%29.88%35.22%36.22%32.38%39.22%38.53%65.70%54.63%30.17%20.69%59.73%48.11%59.03%

Earnings

Report DateJun 30, 1998Sep 30, 1998Mar 31, 1999Oct 19, 1999Jan 21, 2000Apr 20, 2000Jul 21, 2000Oct 20, 2000Dec 31, 2000Apr 19, 2001Aug 2, 2001Oct 17, 2001Jan 18, 2002Apr 18, 2002Jul 22, 2002Oct 18, 2002Jan 23, 2003Apr 17, 2003Jul 18, 2003Oct 23, 2003Jan 22, 2004Apr 15, 2004Jul 22, 2004Oct 28, 2004Jan 27, 2005Apr 21, 2005Aug 2, 2005Nov 2, 2005Feb 2, 2006Apr 20, 2006Aug 2, 2006Nov 1, 2006Jan 25, 2007Apr 19, 2007Aug 6, 2007Nov 8, 2007Feb 1, 2008Apr 17, 2008Jul 25, 2008Oct 27, 2008Jan 29, 2009Apr 16, 2009Jul 23, 2009Oct 29, 2009Jan 28, 2010Apr 15, 2010Jul 22, 2010Oct 28, 2010Jan 27, 2011Apr 21, 2011Jul 21, 2011Oct 27, 2011Jan 26, 2012May 3, 2012Jul 27, 2012Oct 25, 2012Jan 31, 2013Apr 18, 2013Jul 25, 2013Oct 24, 2013Feb 10, 2014May 1, 2014Jul 24, 2014Oct 24, 2014Mar 2, 2015Apr 30, 2015Jul 23, 2015Oct 30, 2015Jan 29, 2016Apr 29, 2016Jul 29, 2016Oct 28, 2016Jan 27, 2017Apr 28, 2017Jul 28, 2017Oct 27, 2017Feb 6, 2018May 1, 2018Jul 27, 2018Oct 26, 2018Feb 1, 2019Apr 26, 2019Jul 26, 2019Oct 25, 2019Jan 31, 2020May 5, 2020Jul 22, 2020Oct 23, 2020Jan 27, 2021Apr 23, 2021Jul 23, 2021Oct 26, 2021Jan 28, 2022Apr 26, 2022Jul 25, 2022Oct 25, 2022Jan 27, 2023Apr 25, 2023Jul 25, 2023Oct 26, 2023Jan 26, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 29, 2025Apr 29, 2025Jul 25, 2025Oct 24, 2025Jan 29, 2026Apr 30, 2026Jul 24, 2026Oct 23, 2026
EPS Estimate---0.110.110.110.130.14-0.150.150.150.130.150.160.160.150.160.160.140.160.170.170.170.190.180.180.180.180.180.150.160.180.180.170.180.180.240.250.280.290.270.230.290.290.380.240.280.250.250.300.380.420.350.360.300.300.310.350.320.350.450.470.470.470.420.430.460.460.400.500.520.500.480.510.530.500.570.590.610.570.540.550.590.570.480.370.560.650.670.690.650.760.690.760.870.850.790.690.760.670.680.640.730.720.680.680.720.790.760.880.79
EPS Actual0.060.080.090.120.140.150.150.140.140.180.140.150.200.140.170.200.150.170.170.130.190.210.170.200.170.170.170.180.170.160.170.190.200.170.180.160.230.270.400.290.280.660.430.490.480.570.420.510.360.340.510.540.500.470.360.400.380.420.470.350.610.390.490.280.680.340.410.430.430.500.420.480.500.510.490.490.330.530.590.570.510.550.560.580.510.260.580.820.910.990.650.890.870.750.730.840.870.860.800.600.330.710.830.610.740.690.78-0.620.510.760.90-
Surprise---9.09%27.27%36.36%15.38%0.00%-20.00%-6.67%0.00%53.85%-6.67%6.25%25.00%0.00%6.25%6.25%-7.14%18.75%23.53%0.00%17.65%-10.53%-5.56%-5.56%0.00%-5.56%-11.11%13.33%18.75%11.11%-5.56%5.88%-11.11%27.78%12.50%60.00%3.57%-3.45%144.44%86.96%68.97%65.52%50.00%75.00%82.14%44.00%36.00%70.00%42.11%19.05%34.29%0.00%33.33%26.67%35.48%34.29%9.38%74.29%-13.33%4.26%-40.43%44.68%-19.05%-4.65%-6.52%-6.52%25.00%-16.00%-7.69%0.00%6.25%-3.92%-7.55%-34.00%-7.02%0.00%-6.56%-10.53%1.85%1.82%-1.69%-10.53%-45.83%56.76%46.43%40.00%47.76%-5.80%36.92%14.47%8.70%-3.95%-3.45%2.35%8.86%15.94%-21.05%-50.75%4.41%29.69%-16.44%2.78%1.47%14.71%-186.11%-35.44%0.00%2.27%-
Timing-------------After-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap914.87M
Enterprise Value2.17B
Trailing P/E12.06
Forward P/E10.70
PEG Ratio5.35
Price / Sales3.74
Price / Book1.05
EPS2.55
Book Value29.61
Revenue (TTM)245.01M
Gross Profit (TTM)245.01M
Profit Margin31.02%
Operating Margin47.23%
Return on Equity8.99%
Return on Assets0.89%
Shares Outstanding29.75M
Shares Float28.19M
Beta0.57
Dividend Yield4.76%
Dividend Rate1.48
Payout Ratio93.55%

Analyst Ratings

Hold
Based on 4 analystsTarget 34.33
  • Hold
    4

Ownership Breakdown

Institutions
58.85%
Insiders
4.66%
Retail / Other
36.49%

Top Institutional Holders

  • BlackRock Inc
    4.20M14.10%
  • Dimensional Fund Advisors, Inc.
    1.41M4.72%
  • State Street Corp
    1.29M4.34%
  • Vanguard Capital Management, LLC
    1.24M4.15%
  • Geode Capital Management, LLC
    721.41K2.42%
  • Vanguard Portfolio Management, LLC
    589.05K1.98%
  • Renaissance Technologies Corp
    440.15K1.48%
  • Charles Schwab Investment Management Inc
    389.87K1.31%
  • The Goldman Sachs Group Inc
    355.40K1.19%
  • Two Sigma Investments LLC
    348.46K1.17%
  • American Century Companies Inc
    338.89K1.14%
  • Northern Trust Corp
    319.23K1.07%
  • Morgan Stanley - Brokerage Accounts
    284.89K0.96%
  • Royal Bank of Canada
    260.93K0.88%
  • Amvescap Plc.
    253.92K0.85%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    1.71M5.73%
  • Vanguard MStar Total Stk Mkt Idx Invest
    897.06K3.01%
  • iShares Russell 2000 ETF
    747.89K2.51%
  • Fidelity Small Cap Index
    320.01K1.07%
  • State Street SPDR Port S&P 600 Sm CpETF
    264.15K0.89%

Dividends

20263×
0.37Aug 20, 20260.36May 18, 20260.36Feb 19, 2026
20254×
0.36Nov 20, 20250.36Aug 21, 20250.36May 22, 20250.36Feb 20, 2025
20244×
0.36Nov 21, 20240.36Aug 22, 20240.36May 22, 20240.36Feb 14, 2024
20234×
0.37Nov 21, 20230.35Aug 16, 20230.35May 22, 20230.35Feb 15, 2023
20224×
0.38Nov 22, 20220.34Aug 17, 20220.34May 18, 20220.34Feb 16, 2022
20214×
0.39Nov 23, 20210.33Aug 18, 20210.33May 19, 20210.32Feb 17, 2021
20201×
0.37Nov 24, 2020

Stock Splits

  • May 25, 20171024:1000
  • Apr 23, 2015105:100
  • Apr 8, 2014105:100
  • Apr 16, 201321:20
  • Apr 16, 201221:20
  • Apr 6, 201021:20
  • Apr 24, 2009105:100
  • May 7, 2007105:100
  • Mar 7, 2006105:100
  • Mar 4, 2005105:100
  • Aug 31, 2004105:100
  • Sep 2, 2003105:100
  • Aug 30, 2002105:100
  • Sep 17, 2001105:100
  • Nov 16, 2000105:100
  • May 22, 20002:1
  • Sep 10, 1999105:100
  • Sep 10, 1998105:100