Southside Bancshares, Inc. (SBSI)

Southside Bancshares' stock price has been impacted by several events over the past six months. The company reported Q4 2025 earnings per share (EPS) of $0.70, missing analysts' expectations of $0.79. Keefe, Bruyette & Woods increased Southside Bancshares' price target to $35.00, maintaining a "Market Perform" rating. The company declared a cash dividend of $0.36 on February 5, 2026. Southside Bancshares surpassed Q3 earnings and revenue estimates, reporting $0.80 per share against an expected $0.72. Southside Bancshares announced a dual listing on NYSE Texas to enhance visibility. In early February 2026, the Chief Compliance Officer and Chief Treasury Officer reported routine disposals of company common stock.

Southside Bancshares' products and services generally experience demand influenced by broader economic cycles and interest rate environments rather than strict seasonal patterns. Consumer loan demand might see fluctuations around major holidays or tax seasons, while commercial lending could be tied to business investment cycles. The banking industry as a whole is exposed to changing interest rates, which can impact net interest income. The inverted yield curve and increasing regulatory burden provided headwinds for the banking industry during most of 2024.

Southside Bancshares, Inc. (SBSI) is a Texas-based bank holding company operating through Southside Bank, offering financial products and services to individuals, businesses, municipal entities, and nonprofits. The company provides deposit accounts, consumer and commercial loans, mortgage lending, wealth management and trust services, brokerage services, digital banking solutions, safe deposit services, and insurance.

Southside Bancshares' primary market areas are concentrated in East Texas, Southeast Texas, and the greater Dallas-Fort Worth, Austin, and Houston, Texas regions. As of September 30, 2025, the company operated 53 branches and a network of 70 ATMs/ITMs. In early 2024, the company expanded its presence by opening loan production offices (LPOs) in Dallas' Preston Center and The Woodlands (greater Houston area). Southside Bancshares plans to continue expanding its branch footprint in high-growth areas of Texas, including constructing new branches in Cleveland and Tyler, and replacing an existing facility in Granbury.

Southside Bancshares has received positive recognition for its workplace culture and was recognized by American Banker as a "Best Bank to Work For in 2024." The company's news sentiment score is 0.48, which is lower than the average news sentiment score of 0.85 for the Finance sector. The company acknowledges the risk of damage to its brand and reputation if it fails to address ESG concerns.

Southside Bancshares has a diverse ownership structure, with a significant portion held by institutional investors. Approximately 55.70% to 58.67% of the stock is held by institutions, while insiders hold around 5.49% to 11.87%. Retail investors hold the remaining float. Herbert C. Buie is noted as the largest individual Southside Bancshares shareholder, owning 741,300 shares, representing 2.47% of the company.