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Southside Bancshares SBSI Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Southern First Bancshares logo
Southern First BancsharesSFST
$31.35M+27.4%
JPMorgan Chase logo
JPMorgan ChaseJPM
$23B+12.9%
Cullen/Frost Bankers logo
Cullen/Frost BankersCFR
$431.78M+7.1%
Prosperity Bancshares logo
Prosperity BancsharesPB
$330.55M+23.5%
Texas Community Bancshares, Inc. logo
Texas Community Bancshares, Inc.TCBS
$3.58M+11.2%
Shore Bancshares logo
Shore BancsharesSHBI
$52.02M+13.8%

Other financials

Income statement

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Revenue$71.3M+7.4%
Net income$26.8M+23.0%
EPS (diluted)$0.90+25.0%

Balance sheet

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Cash & equivalents$397.3M+1.8%
Total debt$1.2B+79.3%
Total equity$882.5M+9.3%
Total assets$8.8B+5.1%

Cash flow

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Operating cash flow$32.2M+442%
CapEx$4.7M-40.5%
Free cash flow$27.5M

Valuation

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Market cap$966.97M+11.2%
Enterprise value$1.79B+54.3%
P/E12.7×+2.6×
P/S3.9×+0.6×

Profitability

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Net margin30.6%-2.3pp
FCF margin51%

Returns & leverage

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Return on equity9%-1.7pp
Debt / equity1.4×+0.5×

Where this comes from

Reported directly by Southside Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Southside Bancshares’s 10-Q, filed July 24, 2026.

Filed
Jul 24, 2026, 2:04 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000705432-26-000105
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total interest expense46,58644,29691,15390,732
Net interest income57,33454,266115,023108,118
Provision for (reversal of) credit losses836221,4931,380
Net interest income after provision for credit losses57,25153,644113,530106,738
Noninterest income:
Deposit services6,3896,12512,32011,954
Net gain (loss) on sale of securities AFS(554)
Gain (loss) on sale of loans5699174154

Item 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is Southside Bancshares's net interest income (after provisions)?
Southside Bancshares (SBSI) reported net interest income (after provisions) of $57.25M in Q2 2026.
How has Southside Bancshares's net interest income (after provisions) changed year-over-year?
Southside Bancshares's net interest income (after provisions) increased by 6.7% year-over-year, from $53.64M to $57.25M.
What is the long-term trend for Southside Bancshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), Southside Bancshares's net interest income (after provisions) has grown at a 1.4% compound annual growth rate (CAGR), from $206.52M to $218.03M.
What does net interest income (after provisions) mean?
Calculated as net interest income minus the provision for credit losses, which accounts for expected future loan defaults. This metric provides a more accurate view of the bank's net revenue after accounting for the inherent risk in its loan portfolio. It serves as a key indicator of the bank's risk-adjusted profitability.

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