NYSE$SBSI

Southside Bancshares Inc · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Southside Bancshares reported Q1 2025 revenue of $53.9M, net income of $21.5M, diluted EPS of $0.71.

For Q1 2025, Southside Bancshares reported Revenue was $53.9M, net income was $21.5M, diluted EPS was $0.71. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $53.9M for Q1 2025.
  • Net income $21.5M.
  • Diluted EPS $0.71.

Headline financials

Total Revenue

$64.1M

Previous: $63.1M+1.6%
EPS (adj)

$0.71

Previous: $0.71+0.0%
ROAA

1.0%

Previous: 1.0%+0.0%
ROAE

10.6%

Previous: 11.0%-4.1%
ROATCE

14.1%

Previous: 15.1%-6.2%
Net Interest Margin (FTE)

2.9%

Previous: 2.9%+0.0%
Net Interest Spread (FTE)

2.2%

Previous: 2.2%+1.9%
Efficiency Ratio (FTE)

55.0%

Previous: 55.5%-0.9%
NPA / Total Assets

0.4%

Previous: 0.1%+290.0%
Loan Loss Reserve / Loans

1.0%

Previous: 0.9%+3.2%
Loan Loss Reserve / Nonaccrual Loans

1049.0%

Previous: 565.0%+85.7%
Loan Loss Reserve / NPAs

138.6%

Previous: 545.9%-74.6%
Net Charge-offs to Loans

0.0%

Previous: 0.0%+0.0%
Equity to Total Assets

9.8%

Previous: 9.4%+3.8%
CET1 Capital Ratio

13.4%

Previous: 12.4%+8.1%
Tier 1 Capital Ratio

14.5%

Previous: 13.5%+7.6%
Total Capital Ratio

17.0%

Previous: 15.9%+6.8%
Tier 1 Leverage Ratio

9.7%

Previous: 9.2%+5.5%
Tangible Equity Ratio

7.5%

Previous: 7.2%+5.2%
Avg Equity to Avg Assets

9.8%

Previous: 9.3%+4.3%
Yield on Earning Assets

5.2%

Previous: 5.4%-2.8%
Rate on Interest Liabilities

3.0%

Previous: 3.2%-5.9%
Earning Assets / Interest Liab

128.1%

Previous: 127.7%+0.3%
Noninterest Exp / Avg Assets

1.8%

Previous: 1.8%+0.6%
Capital Expenditures

-$2.42M

Previous: -$2.57M+5.7%
Net Income

$21.5M

Previous: $21.5M-0.0%
Operating Income

$26.2M

Previous: $5.56M+371.6%

Revenue & EPS history

Southside Bancshares · Revenue · Quarterly

$64.1M

Q1 2025+1.6%vs Q1 2024
Beat estimate in 0 of 14 quarters(0%)
ActualEstimate

Forward guidance

Insurance and annuity outlook depends on spreads, hedging, and reserve mechanics under LDTI.

Tailwinds

  • Fee and spread income on retirement assets.
  • Capital generation when markets cooperate.

Headwinds

  • Hedge and MRB volatility can swing GAAP earnings.
  • Rate and equity moves affect DAC and reserves.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

-0.1%

Avg return

Earnings day

+0.0%

Avg return

5 days after

+1.0%

Avg return

30 days after

41%

27 / 66 earnings

Positive

+18.4%

Q2 2023

Best reaction

-10.7%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.3%-2.6%-1.7%
Q4 2025-0.1%+3.3%-3.0%
Q3 2025-0.5%+1.1%+5.5%
Q2 2025-0.4%-2.2%-0.8%
Q1 2025+0.5%+0.0%-0.4%
Q4 2024-3.9%-5.5%-5.9%
Q3 2024-3.2%-2.6%+7.2%
Q2 2024+7.6%+10.5%+7.0%
Q1 2024-3.9%-6.1%-6.3%
Q4 2023+5.7%+0.9%-6.8%
Q3 2023-3.5%-5.5%-0.7%
Q2 2023+18.4%+17.5%+7.8%
Q1 2023-3.4%-4.1%-17.6%
Q4 2022+2.5%+5.8%+7.9%
Q3 2022-10.7%-4.8%-0.3%
Q2 2022+5.3%+6.1%+3.2%
Q1 2022-0.3%+0.3%+0.7%
Q4 2021+0.2%+0.4%-0.5%
Q3 2021+5.3%+5.2%+11.7%
Q2 2021-2.1%-0.2%+3.7%
Q1 2021+6.5%+6.6%+12.5%
Q4 2020-3.9%-3.4%+4.9%
Q3 2020+3.0%-3.3%+14.8%
Q2 2020+3.5%-0.7%+0.9%
Q1 2020-3.8%-2.2%-2.1%
Q4 2019-1.2%+2.1%-10.8%
Q3 2019+1.0%+1.1%-0.0%
Q2 2019+3.0%+5.3%-2.0%
Q1 2019+3.6%+1.3%-1.0%
Q4 2018-1.7%-0.2%+6.1%
Q3 2018-0.7%+2.9%+5.8%
Q2 2018-3.1%-2.1%+0.8%
Q1 2018-5.1%-6.2%-2.0%
Q4 2017+3.5%+1.9%+4.9%
Q3 2017-4.7%-3.9%-7.2%
Q2 2017-2.4%-1.5%-7.0%
Q1 2017+1.8%+1.3%-2.8%
Q4 2016-9.4%-7.3%-4.9%
Q3 2016-0.1%-3.4%+17.3%
Q2 2016-6.6%-5.1%-0.7%
Q1 2016+4.6%
Q4 2015+1.1%
Q3 2015+1.6%
Q2 2015+1.0%
Q1 2015-1.1%
Q4 2014+2.8%
Q3 2014-0.2%
Q2 2014+2.4%
Q1 2014+4.8%
Q4 2013+0.2%
Q3 2013-0.3%
Q2 2013-0.5%
Q1 2013+1.0%
Q4 2012-1.5%
Q3 2012-0.7%
Q2 2012-0.9%
Q1 2010-3.2%
Q1 2011-3.2%
Q1 2012+1.1%
Q4 2011-0.2%
Q4 2009-0.2%
Q4 2010-0.2%
Q3 2010-2.2%
Q3 2011-2.2%
Q2 2011-4.5%
Q2 2010-4.5%

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