What is Southside Bancshares's free cash flow margin?

Southside Bancshares (SBSI) reported free cash flow margin of 40.7% in Q1 2026.

What is the long-term trend for Southside Bancshares's free cash flow margin?

Over 3 years (2020 to 2025), Southside Bancshares's free cash flow margin has grown at a -1.5% compound annual growth rate (CAGR), from 33.4% to 31.8%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Southside Bancshares SBSI Free cash flow margin

Free cash flow margin at other companies

Cullen/Frost BankersCFR

3.5%—

Prosperity BancsharesPB

40%—

Shore BancsharesSHBI

28.9%—

SouthStateSSB

24.1%—

Origin BancorpOBK

41%+13.7pp

Customers BancorpCUBI

46.9%+9.0pp

Other financials

Income statement

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Revenue$70.3M+9.7%

Net income$23.3M+8.1%

EPS (diluted)$0.78+9.9%

Balance sheet

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Cash & equivalents$387.5M-10.1%

Total debt$538.2M-31.0%

Total equity$854.9M+4.7%

Total assets$8.8B+5.5%

Cash flow

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Operating cash flow$49.0M+105%

CapEx$4.0M+67.3%

Free cash flow$45.0M+109%

Valuation

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Market cap$1.04B+22.9%

Enterprise value$1.19B-0.4%

P/E14.6×+5.1×

P/S4.3×+1.0×

Profitability

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Net margin29.2%-5.0pp

Returns & leverage

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Return on equity8.5%-2.5pp

Debt / equity0.6×-0.3×

Where this comes from

Calculated from Southside Bancshares’s reported figures.

free cash flow/total revenue=40.7%

Based on trailing twelve months.

The official record: Southside Bancshares’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Southside Bancshares's free cash flow margin?: Southside Bancshares (SBSI) reported free cash flow margin of 40.7% in Q1 2026.
What is the long-term trend for Southside Bancshares's free cash flow margin?: Over 3 years (2020 to 2025), Southside Bancshares's free cash flow margin has grown at a -1.5% compound annual growth rate (CAGR), from 33.4% to 31.8%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.