The earnings call reflected a generally positive sentiment with strong financial performance, an improved net interest margin, and a solid loan pipeline. Despite unexpected loan payoffs and a slight increase in nonperforming assets, the overall outlook remains optimistic for the remainder of 2025.

Company Guidance

During the Southside Bancshares' Second Quarter 2025 Earnings Conference Call, the company provided guidance reflecting a cautiously optimistic outlook for the remainder of the year. The call highlighted a net income of $21.8 million, with diluted earnings per share of $0.72, and an annualized return on average assets of 1.07%. Despite experiencing heavy payoffs, the company reported strong new loan production totaling $293 million, with a noteworthy $104 million in net loan growth during June. The loan pipeline increased to $2.1 billion, signaling potential further growth. However, loan growth guidance was slightly lowered to 3-4% year-over-year due to uncertainties in payoffs. The net interest margin increased to 2.95%, with potential for further expansion, while deposits saw a net increase of $90.1 million. In terms of credit quality, nonperforming assets remained stable at 0.39% of total assets, and the allowance for credit losses decreased slightly to $48.3 million. The company also mentioned the impact of competitive pressures from debt funds on loan pricing and highlighted the potential for staff acquisition due to recent regional M&A activity. Overall, the company remains optimistic about its market conditions and growth prospects, particularly in Texas.

Strong Net Income and Earnings

Net income of $21.8 million and diluted earnings per share of $0.72, with an annualized return on average assets of 1.07% and an annualized return on average tangible common equity of 14.38%.

Net Interest Margin Improvement

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

Solid Loan Pipeline

Loan pipeline exceeds $2.1 billion, with an increase in commercial real estate loans and construction loans.

Deposit Growth

Deposits, net of public funds and broker deposits, increased by $90.1 million.

Strong Second Quarter Loan Production

New loan production totaled approximately $293 million, more than double the first quarter production.

Positive Credit Quality

Overall credit quality remains strong with nonperforming assets at 0.39% of total assets.

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

Daily Earnings Calendar >

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	$30.29	$29.74	-1.82%
Apr 29, 2025	$27.84	$27.98	+0.50%
Jan 29, 2025	$31.53	$30.31	-3.87%
Oct 24, 2024	$32.04	$31.26	-2.43%

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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