Southside Bancshares Inc

investors.southside.com

What Do They Do?

Provides loans, deposit accounts, and wealth and trust services to individuals, businesses, and community organizations.

How Do They Make Money?

Earns interest on loans and securities, less interest paid on deposits and borrowings, and also receives noninterest income.

FY2025 revenue

Who Are Their Customers?

Serves individuals, businesses, municipal entities, and nonprofits in its Texas communities through branches and digital banking; wealth and trust services mainly serve individuals.

Do Revenues Turn Into Profits?

Yes. It kept 17 cents of every revenue dollar as net income in FY2025 and turned 18 cents into free cash flow.

Net income, FY2025

17% of revenue

▼ −22% vs FY2024 ($88.5M, 21%)

Free cash flow, FY2025

18% of revenue

▼ −19% vs FY2024 ($90.7M, 22%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +5%; vs $98.6M in Q2 FY2025
Net income: ▲ +23%; vs $21.8M in Q2 FY2025

Jul 24, 2026 Expected to meet mid-single-digit loan growth for the year Management said it expects to meet its mid-single-digit loan growth for the year.

Growing. Revenue grew 87% in 4 years, from $216M in FY2021 to $403.1M in FY2025, about 17% a year.

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