SBSI
Southside Bancshares·NYSE
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SBSI fundamentals
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.
EPS
Actual | 0.12 | 0.65 | 0.82 | 0.89 | 1.04 | 0.65 | 0.9 | 0.88 | 0.7851 | 0.8044 | 0.8535 | 0.8829 | 0.842 | 0.8213 | 0.6106 | 0.7847 | 0.71 | 0.81 | 0.6873 | 0.7165 | 0.7158 | 0.72 | 0.8418 | 0.7039 | ||||||||||
Forecast | 0.475 | 0.3625 | 0.5625 | 0.6378 | 0.685 | 0.6867 | 0.6525 | 0.756 | 0.6963 | 0.755 | 0.8725 | 0.8475 | 0.785 | 0.6875 | 0.76 | 0.665 | 0.6767 | 0.6374 | 0.7333 | 0.715 | 0.6775 | 0.6775 | 0.7175 | 0.7875 | ||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -74.74% | +79.31% | +45.78% | +39.54% | +51.82% | -5.34% | +37.93% | +16.40% | +12.75% | +6.54% | -2.18% | +4.18% | +7.26% | +19.46% | -19.66% | +18.00% | +4.92% | +27.08% | -6.27% | +0.21% | +5.65% | +6.27% | +17.32% | -10.62% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 56.96M | 59.82M | 60.75M | 62.77M | 60.87M | 59.70M | 62.98M | 64.44M | 63.55M | 66.11M | 69.60M | 71.31M | 67.41M | 67.74M | 67.25M | 68.50M | 65.83M | 67.27M | 69.05M | 68.50M | 66.98M | 68.84M | 70.53M | 71.99M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 54.95M | 57.78M | 60.84M | 59.77M | 59.59M | 60.70M | 60.36M | 62.76M | 62.58M | 64.67M | 70.42M | 69.36M | 69.66M | 65.50M | 68.23M | 64.82M | 67.83M | 64.91M | 68.25M | 68.12M | 67.39M | 68.08M | 70.28M | 71.74M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +3.64% | +3.53% | -0.14% | +5.02% | +2.15% | -1.65% | +4.35% | +2.69% | +1.55% | +2.22% | -1.16% | +2.80% | -3.23% | +3.42% | -1.44% | +5.66% | -2.95% | +3.64% | +1.18% | +0.56% | -0.60% | +1.12% | +0.35% | +0.35% |
Earnings Call
You can ask Aime
What is Southside Bancshares's latest dividend and current dividend yield?What guidance did Southside Bancshares's management provide for the next earnings period?What were the key takeaways from Southside Bancshares’s earnings call?What factors drove the changes in Southside Bancshares's revenue and profit?What were the key takeaways from Southside Bancshares's earnings call?What is the revenue and EPS growth rate for Southside Bancshares year over year?What is Southside Bancshares's gross profit margin?Did Southside Bancshares beat or miss consensus estimates last quarter?
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