NYSE$SBSI

Southside Bancshares Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Southside Bancshares' Q3 2024 financial results were announced, demonstrating an increase in net income and earnings per share compared to the same period in 2023.

Southside Bancshares reported a net income of $20.5 million for Q3 2024, an 11.2% increase compared to Q3 2023. Earnings per diluted common share increased by 13.3% to $0.68. The results were highlighted by an increase in net interest income and strong asset quality.

  • Net income increased by 11.2% to $20.5 million compared to the same period last year.
  • Earnings per diluted common share rose by 13.3% to $0.68.
  • Net interest income increased by $1.86 million compared to the previous quarter, with the net interest margin rising to 2.95%.
  • Nonperforming assets remained low at 0.09% of total assets.

Headline financials

Total Revenue

$63.6M

Previous: $64.1M-0.7%
EPS

$0.68

Previous: $0.60+13.3%
ROAA

1.0%

Previous: 0.9%+5.4%
ROAE

10.1%

Previous: 9.5%+6.6%
ROATCE

13.7%

Previous: 13.2%+3.9%
Net Interest Margin (FTE)

3.0%

No prior period
Net Interest Spread (FTE)

2.2%

No prior period
Efficiency Ratio (FTE)

51.9%

No prior period
NPA / Total Assets

0.1%

No prior period
Loan Loss Reserve / Loans

1.0%

No prior period
Loan Loss Reserve / Nonaccrual Loans

610.4%

No prior period
Loan Loss Reserve / NPAs

578.3%

No prior period
Net Charge-offs to Loans

0.0%

No prior period
Equity to Total Assets

9.6%

No prior period
CET1 Capital Ratio

13.1%

No prior period
Tier 1 Capital Ratio

14.1%

No prior period
Total Capital Ratio

16.6%

No prior period
Tier 1 Leverage Ratio

9.6%

No prior period
Tangible Equity Ratio

7.4%

No prior period
Avg Equity to Avg Assets

9.7%

No prior period
Yield on Earning Assets

5.5%

No prior period
Rate on Interest Liabilities

3.3%

No prior period
Earning Assets / Interest Liab

128.5%

No prior period
Noninterest Exp / Avg Assets

1.7%

No prior period
Capital Expenditures

-$6.09M

Previous: -$5.07M-20.2%
Free Cash Flow

$14.4M

Previous: $13.4M+7.9%
Net Income

$20.5M

Previous: $18.4M+11.2%
Operating Income

$2.06M

Previous: $9.07M-77.3%
Gross Profit

$61.2M

Previous: $57.1M+7.2%
Cash & Equivalents

$486M

Previous: $326M+49.3%
Total Assets

$8.36B

Previous: $7.97B+4.9%
Stock-Based Comp

$987K

Previous: $875K+12.8%

Revenue & EPS history

Southside Bancshares · Revenue · Quarterly

$63.6M

Q3 2024-0.7%vs Q3 2023
Beat estimate in 0 of 14 quarters(0%)
ActualEstimate

Forward guidance

The company did not provide specific forward guidance in the earnings report.

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 Q3 2024

Historical avgQ3 2024

-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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