Southside Bancshares Inc (New York Stock Exchange:SBSI)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $457.6M
- Net income
- $76.0M
- Net margin
- 16.6%
Heavily indebted for what it earns.
- Total debt
- $1.64B
- Cash
- $397.3M
- Net debt / EBITDA
- 12.23x
Owes more within a year than it holds to pay it.
- Current assets
- $2.01B
- Current liabilities
- $7.59B
- Current ratio
- 0.27
The business funds itself from operations.
- Operating cash flow
- $145.2M
- Free cash flow
- $126.7M
- FCF margin
- 27.7%
Not funding itself by issuing shares.
- Shares outstanding
- 29.8M
- Share growth (1y)
- -1.5%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
SBSI Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 117.92 M | 113.27 M | 107.91 M | 118.50 M | 110.30 M | 110.13 M |
| Revenue Growth (YoY) | 6.91 % | 2.85 % | -6.23 % | 4.44 % | -4.40 % | -1.80 % |
| Cost of Revenue | 46.67 M | 45.98 M | 45.66 M | 92.11 M | 44.92 M | 47.19 M |
| Gross Profit | 71.25 M | 67.29 M | 62.24 M | 26.38 M | 65.38 M | 62.94 M |
| SG&A Expense | 32.85 M | 27.79 M | 24.90 M | 21.28 M | 24.18 M | 24.25 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 38.55 M | 38.99 M | 37.48 M | 21.28 M | 38.85 M | 36.71 M |
| Operating Income | 32.70 M | 28.30 M | 24.77 M | 5.10 M | 26.53 M | 26.23 M |
| Pretax Income | 32.58 M | 28.30 M | 24.77 M | 5.10 M | 26.53 M | 26.23 M |
| Tax Provision | 5.74 M | 5.04 M | 3.78 M | 189.00 K | 4.72 M | 4.72 M |
| Net Income | 26.84 M | 23.26 M | 20.99 M | 4.91 M | 21.81 M | 21.51 M |
| EPS (Basic) | 0.90 | 0.78 | 0.70 | 0.16 | 0.72 | 0.71 |
| EPS (Diluted) | 0.90 | 0.78 | 0.70 | 0.16 | 0.72 | 0.71 |
| Shares Outstanding | 29.77 M | 29.73 M | 29.86 M | 30.23 M | 30.23 M | 30.39 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.