Southside Bancshares (SBSI) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Southside Bancshares had a P/E ratio of 13.21 (up from 10.88), return on equity of 8.3% (down from 11.2%), debt-to-equity of 0.88 (down from 1.23) and return on assets of 0.8% (down from 1.1%). Its dividend yield was 4.90% with a payout ratio of 62.7%.

Southside Bancshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	13.21	10.88	10.91	11.01	11.90	12.49
Forward P/E	9.86	11.30	12.27	10.91	14.65	13.03
P/S Ratio	3.90	3.78	3.91	4.62	5.28	4.73
P/B Ratio	1.08	1.19	1.22	1.55	1.48	1.17
Price/Tangible Book	1.42	1.58	1.66	2.14	1.92	1.54
Price/FCF	12.44	10.61	12.96	5.32	9.14	12.98
Price/OCF	9.74	9.45	11.84	5.10	8.65	11.34
PEG Ratio	0.60	0.60	0.60	0.61	6.45	6.45
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	8.34%	11.17%	11.41%	12.67%	12.69%	9.78%
Return on Assets (ROA)	0.81%	1.05%	1.09%	1.42%	1.59%	1.19%
Leverage & Solvency Ratios
Debt/Equity	0.88	1.23	1.18	0.77	0.60	1.29
Debt/FCF	10.17	11.01	12.49	2.63	3.69	14.30
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.58%	9.19%	9.17%	9.09%	8.40%	8.01%
FCF Yield	8.04%	9.42%	7.71%	18.80%	10.95%	7.71%
Dividend Yield	4.90%	4.93%	5.09%	4.50%	3.87%	4.98%
Payout Ratio	62.66%	49.30%	50.27%	42.79%	37.58%	50.57%
Buyback Yield	0.47%	1.27%	4.63%	1.35%	1.77%	1.81%
Total Return	5.37%	6.19%	9.71%	5.85%	5.64%	6.79%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Southside Bancshares Financial Ratios

What is Southside Bancshares's P/E ratio?

Southside Bancshares's P/E ratio was 13.21 for fiscal 2025 (period ended Dec 31, 2025). It was 10.88 a year earlier.

What is Southside Bancshares's return on equity?

Southside Bancshares's return on equity (ROE) was 8.3% for fiscal 2025 (period ended Dec 31, 2025). It was 11.2% a year earlier.

What is Southside Bancshares's debt-to-equity ratio?

Southside Bancshares's debt-to-equity ratio was 0.88 for fiscal 2025 (period ended Dec 31, 2025). It was 1.23 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition