Symbols

SBSI

Southside Bancshares·NYSE

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SBSI fundamentals

SBSI Q4 2025 Earnings

Southside Bancshares (SBSI) released its earnings on Jan 29, 2026: revenue was 71.99M (YoY +5.10%), beat estimates; EPS was 0.7039 (YoY -1.76%), missed estimates.

Revenue / YoY

71.99M

+5.10%

EPS / YoY

0.7039

-1.76%

Report date

Jan 29, 2026

SBSI Earnings Call Summary for Q4,2025

Record Q4 Profit: Net income surged 327% to $21 million, driven by restructuring gains and lower funding costs.
Strategic Tech Investments: $2.4 million allocated to cloud-based core system and data platform to enhance efficiency and enable M&A.
Loan Pipeline Recovery: $2 billion pipeline (42% term loans) signals strong 2026 growth despite near-term payoff headwinds.
Efficiency Improvements: 52.28% efficiency ratio reflects better revenue utilization.
M&A Readiness: Core system modernization positions the bank to capitalize on Texas M&A activity.
Shareholder Returns: 7% expense growth balanced with $800k buyback budget and subordinated note redemption.

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Key Indicators

Southside Bancshares (SBSI) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Southside Bancshares (SBSI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Southside Bancshares (SBSI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Southside Bancshares (SBSI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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