The earnings call reflected a positive performance for Southside Bancshares with strong net income, deposit growth, and stable credit quality. However, challenges remain with significant loan payoffs affecting growth and increased unrealized losses in the securities portfolio. Despite these challenges, the overall outlook remains optimistic.

Company Guidance -

Q3 2025

During the second quarter of 2025, Southside Bancshares reported a net income of $21.8 million, which equated to diluted earnings per share of $0.72. The bank achieved an annualized return on average assets of 1.07% and an annualized return on average tangible common equity of 14.38%. Net interest margin improved by 9 basis points to 2.95%, with net interest income rising by $414,000 to $54.3 million. Loan growth was notable, with total loans increasing by $35 million, largely due to a $104 million net loan growth in June. Deposits, net of public funds and broker deposits, rose by $90.1 million. The loan pipeline exceeded $2.1 billion, showing a balanced mix of 43% term loans and 57% construction and commercial lines of credit. Despite challenges, such as significant loan payoffs, the outlook remains positive with a slightly adjusted loan growth guidance of 3% to 4% year-over-year. The bank's nonperforming assets were stable at 0.39% of total assets, and the allowance for credit losses slightly decreased to $48.3 million. The efficiency ratio improved to 53.7%, and the bank's capital and liquidity positions remain robust.

Strong Net Income and Earnings Per Share

Net income for the quarter was $21.8 million, resulting in diluted earnings per share of $0.72, an increase of $306,000 or 1.4% compared to the first quarter.

Increase in Net Interest Margin and Net Interest Income

The net interest margin increased by 9 basis points to 2.95%, and net interest income increased by $414,000 to $54.3 million.

Deposit Growth

Deposits, excluding public funds and broker deposits, increased by $90.1 million in the linked quarter.

Stable Credit Quality

Nonperforming assets remained low at 0.39% of total assets, and the allowance for credit losses decreased slightly.

Expansion in C&I Initiative

The C&I pipeline increased to approximately 30% of the total loan pipeline from 25% at the end of the first quarter.

Southside Bancshares (SBSI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SBSI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.72 / -	0.687	―	―	―
Jul 25, 2025	2025 (Q2)	0.68 / 0.72	0.81	-11.11% (-0.09)	―
Apr 29, 2025	2025 (Q1)	0.68 / 0.72	0.71	0.85% (<+0.01)	―
Jan 29, 2025	2024 (Q4)	0.71 / 0.72	0.785	-8.79% (-0.07)	―
Oct 24, 2024	2024 (Q3)	0.73 / 0.69	0.611	12.44% (+0.08)	―
Jul 25, 2024	2024 (Q2)	0.64 / 0.81	0.821	-1.34% (-0.01)	―
Apr 25, 2024	2024 (Q1)	0.68 / 0.71	0.842	-15.68% (-0.13)	―
Jan 26, 2024	2023 (Q4)	0.67 / 0.79	0.883	-11.10% (-0.10)	―
Oct 26, 2023	2023 (Q3)	0.76 / 0.61	0.854	-28.45% (-0.24)	―
Jul 25, 2023	2023 (Q2)	0.69 / 0.82	0.804	2.11% (+0.02)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SBSI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$30.66	$30.10	-1.83%
Apr 29, 2025	$28.17	$28.32	+0.53%
Jan 29, 2025	$31.91	$30.68	-3.85%
Oct 24, 2024	$32.42	$31.64	-2.41%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Southside Bancshares (SBSI) report earnings?

Southside Bancshares (SBSI) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).

What is Southside Bancshares (SBSI) earnings time?

Southside Bancshares (SBSI) earnings time is at Oct 28, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SBSI EPS forecast?

SBSI EPS forecast for the fiscal quarter 2025 (Q3) is 0.72.

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