NYSE$SBSI

Southside Bancshares Inc · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Southside Bancshares reported Q3 2025, revenue of $98M, net income of $4.9M, diluted EPS of $0.16.

For Q3 2025, Southside Bancshares reported revenue of $98M, net income of $4.9M, diluted EPS was $0.16. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $98M.
  • Net income $4.9M.
  • Diluted EPS $0.16.

Headline financials

Total Revenue

$43.7M

Previous: $63.6M-31.3%
EPS (adj)

$0.16

Previous: $0.68-76.5%
ROAA

0.2%

Previous: 1.0%-76.5%
ROAE

2.4%

Previous: 10.1%-76.3%
ROATCE

3.3%

Previous: 13.7%-76.0%
Net Interest Margin (FTE)

2.9%

Previous: 3.0%-0.3%
Net Interest Spread (FTE)

2.3%

Previous: 2.2%+1.3%
Efficiency Ratio (FTE)

53.0%

Previous: 51.9%+2.1%
NPA / Total Assets

0.4%

Previous: 0.1%+366.7%
Loan Loss Reserve / Loans

0.9%

Previous: 1.0%-2.1%
Loan Loss Reserve / Nonaccrual Loans

569.4%

Previous: 610.4%-6.7%
Loan Loss Reserve / NPAs

127.2%

Previous: 578.3%-78.0%
Net Charge-offs to Loans

0.1%

Previous: 0.0%+75.0%
Equity to Total Assets

10.0%

Previous: 9.6%+3.4%
CET1 Capital Ratio

13.0%

Previous: 13.1%-0.8%
Tier 1 Capital Ratio

14.0%

Previous: 14.1%-0.9%
Total Capital Ratio

19.0%

Previous: 16.6%+14.6%
Tier 1 Leverage Ratio

9.8%

Previous: 9.6%+1.8%
Tangible Equity Ratio

7.7%

Previous: 7.4%+4.7%
Avg Equity to Avg Assets

9.7%

Previous: 9.7%+0.5%
Yield on Earning Assets

5.3%

Previous: 5.5%-4.4%
Rate on Interest Liabilities

3.0%

Previous: 3.3%-8.2%
Earning Assets / Interest Liab

129.1%

Previous: 128.5%+0.5%
Noninterest Exp / Avg Assets

1.8%

Previous: 1.7%+2.9%
Capital Expenditures

-$13.2M

Previous: -$6.09M-116.5%
Net Income

$4.91M

Previous: $20.5M-76.1%
Operating Income

$5.1M

Previous: $2.06M+147.3%

Revenue & EPS history

Southside Bancshares · Revenue · Quarterly

$43.7M

Q3 2025-31.3%vs Q3 2024
Beat estimate in 0 of 14 quarters(0%)
ActualEstimate

Forward guidance

The release discusses Southside Bancshares's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Net interest income and credit quality support the regional banking outlook.
  • Southside Bancshares cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.
  • Deposit costs and credit normalization can pressure margins.

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 2025

Historical avgQ3 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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