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SOUTHSIDE BANCSHARES INC

SBSI Clue Score46
United States Fiscal year ends December CIK 0000705432
$30.20 -0.89% Close, 9 Oct 2026
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Price $30.20 −21.92% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income49.3EPS, diluted1.81Fiscal year 2017Net income54.3 +10.1%EPS, diluted1.81 +0.0%Fiscal year 2018Net income74.1 +36.5%EPS, diluted2.11 +16.6%Fiscal year 2019Net income74.6 +0.6%EPS, diluted2.20 +4.3%Fiscal year 2020Net income82.2 +10.2%EPS, diluted2.47 +12.3%Fiscal year 2021Net income113.4 +38.0%EPS, diluted3.47 +40.5%Fiscal year 2022Net income105.0 −7.4%EPS, diluted3.26 −6.1%Fiscal year 2023Net income86.7 −17.5%EPS, diluted2.82 −13.5%Fiscal year 2024Net income88.5 +2.1%EPS, diluted2.91 +3.2%Fiscal year 2025Net income69.2 −21.8%EPS, diluted2.29 −21.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 49.3 54.3 74.1 74.6 82.2 113.4 105.0 86.7 88.5 69.2
Growth +10.1% +36.5% +0.6% +10.2% +38.0% −7.4% −17.5% +2.1% −21.8%
EPS, diluted 1.81 1.81 2.11 2.20 2.47 3.47 3.26 2.82 2.91 2.29
Growth +0.0% +16.6% +4.3% +12.3% +40.5% −6.1% −13.5% +3.2% −21.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow86.7Capital expenditure−6.5Free cash flow80.2Buybacks−10.2Dividends paid−26.0Fiscal year 2017Operating cash flow91.7Capital expenditure−9.6Free cash flow82.1 +2.4%Buybacks0.0Dividends paid−32.2Fiscal year 2018Operating cash flow122.4Capital expenditure−13.4Free cash flow109.0 +32.7%Buybacks−47.2Dividends paid−42.0Fiscal year 2019Operating cash flow80.6Capital expenditure−15.9Free cash flow64.7 −40.6%Buybacks−2.2Dividends paid−42.5Fiscal year 2020Operating cash flow90.5Capital expenditure−11.4Free cash flow79.1 +22.2%Buybacks−31.0Dividends paid−43.2Fiscal year 2021Operating cash flow156.1Capital expenditure−8.4Free cash flow147.7 +86.8%Buybacks−34.1Dividends paid−44.6Fiscal year 2022Operating cash flow226.5Capital expenditure−9.3Free cash flow217.2 +47.0%Buybacks−33.7Dividends paid−44.9Fiscal year 2023Operating cash flow79.9Capital expenditure−6.9Free cash flow73.0 −66.4%Buybacks−44.8Dividends paid−43.6Fiscal year 2024Operating cash flow101.8Capital expenditure−11.2Free cash flow90.7 +24.3%Buybacks−1.5Dividends paid−43.6Fiscal year 2025Operating cash flow93.8Capital expenditure−20.3Free cash flow73.5 −19.0%Buybacks−23.2Dividends paid−43.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 86.7 91.7 122.4 80.6 90.5 156.1 226.5 79.9 101.8 93.8
Capital expenditure −6.5 −9.6 −13.4 −15.9 −11.4 −8.4 −9.3 −6.9 −11.2 −20.3
Free cash flow 80.2 82.1 109.0 64.7 79.1 147.7 217.2 73.0 90.7 73.5
Growth +2.4% +32.7% −40.6% +22.2% +86.8% +47.0% −66.4% +24.3% −19.0%
Buybacks −10.2 0.0 −47.2 −2.2 −31.0 −34.1 −33.7 −44.8 −1.5 −23.2
Dividends paid −26.0 −32.2 −42.0 −42.5 −43.2 −44.6 −44.9 −43.6 −43.6 −43.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash169.7Total debt158.3Net cash (debt)11.3Shareholders’ equity518.3Debt to equity0.31Fiscal year 2017Cash198.7Total debt158.5Net cash (debt)40.2Shareholders’ equity754.1Debt to equity0.21Fiscal year 2018Cash120.7Total debt158.7Net cash (debt)−37.9Shareholders’ equity731.3Debt to equity0.22Fiscal year 2019Cash110.7Total debt158.8Net cash (debt)−48.1Shareholders’ equity804.6Debt to equity0.20Fiscal year 2020Cash108.4Total debt257.5Net cash (debt)−149.1Shareholders’ equity875.3Debt to equity0.29Fiscal year 2021Cash201.8Total debt158.8Net cash (debt)43.0Shareholders’ equity912.2Debt to equity0.17Fiscal year 2022Cash199.3Total debt158.9Net cash (debt)40.3Shareholders’ equity746.0Debt to equity0.21Fiscal year 2023Cash560.5Total debt154.1Net cash (debt)406.4Shareholders’ equity773.3Debt to equity0.20Fiscal year 2024Cash426.2Total debt152.3Net cash (debt)273.8Shareholders’ equity811.9Debt to equity0.19Fiscal year 2025Cash389.8Total debt300.0Net cash (debt)89.8Shareholders’ equity847.6Debt to equity0.35
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 169.7 198.7 120.7 110.7 108.4 201.8 199.3 560.5 426.2 389.8
Total debt 158.3 158.5 158.7 158.8 257.5 158.8 158.9 154.1 152.3 300.0
Net cash (debt) 11.3 40.2 −37.9 −48.1 −149.1 43.0 40.3 406.4 273.8 89.8
Shareholders’ equity 518.3 754.1 731.3 804.6 875.3 912.2 746.0 773.3 811.9 847.6
Debt to equity 0.31 0.21 0.22 0.20 0.29 0.17 0.21 0.20 0.19 0.35

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
17.3% 22.9% 12.1% 15.1% 12.1% 13.3% 12.2% 14.3% 17.6% 16.2%
Returns
9.5% 7.2% 10.1% 9.3% 9.4% 12.4% 14.1% 11.2% 10.9% 8.2%
0.9% 0.8% 1.2% 1.1% 1.2% 1.6% 1.4% 1.0% 1.0% 0.8%
Balance and payout
0.31 0.21 0.22 0.20 0.29 0.17 0.21 0.20 0.19 0.35
90.7% 88.4% 88.1% 88.1% 87.5% 87.4% 90.1% 90.7% 90.5% 90.0%
52.6% 59.3% 56.6% 57.0% 52.6% 39.3% 42.8% 50.3% 49.3% 62.7%
45.1% 39.2% 81.8% 69.1% 93.8% 53.3% 36.2% 121.1% 49.8% 90.6%