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Southside Bancshares SBSI Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$72.0MBeat by $252.7K
EPS$0.70Miss by $0.10
Revenue estimate$71.7M
EPS estimate$0.80

Next report

Oct 23, 2026 (in a month)
Revenue estimate$72.7M
EPS estimate$0.77

Financials

Q4 2025

Income statement

See full
Revenue$62.8M-4.8%
Net income$21.0M-3.7%
EPS (diluted)$0.70-1.4%

Balance sheet

See full
Cash & equivalents$389.8M-8.5%
Total debt$525.4M-41.6%
Total equity$847.6M+4.4%
Total assets$8.5B0.0%

Cash flow

See full
Operating cash flow$23.7M-38.9%
CapEx$7.1M+40.9%
Free cash flow$16.6M-50.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$913.71M-5.1%
Enterprise value$1.05B-26.9%
P/E13.2×+2.3×
P/S3.9×+0.1×

Profitability

See full
Net margin29.2%-5.1pp
FCF margin31.8%—

Returns & leverage

See full
Return on equity8.3%-2.8pp
Debt / equity0.6×-0.5×

FAQ

When did Southside Bancshares report Q4 2025 earnings?
Southside Bancshares (SBSI) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Southside Bancshares's Q4 2025 revenue and EPS?
Southside Bancshares reported revenue of $72.0M and eps of $0.70 for Q4 2025.
Did Southside Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $71.7M by $252.7K. EPS missed the consensus estimate of $0.80 by $0.10.
How did Southside Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.3% from $67.1M a year earlier and eps declined 2.8% from $0.72.
Where can I find Southside Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000705432-26-000006) and the 10-K periodic report (0000705432-26-000034) directly on SEC EDGAR. The filing index links above go to sec.gov.