Southside Bancshares to Release Q4 and Year-End Financial Results on January 29, 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 15 2026
0mins
Source: Globenewswire
- Earnings Release Schedule: Southside Bancshares plans to release its fourth quarter and year-end financial results before market open on January 29, 2026, which is expected to provide investors with critical financial performance data to assess the company's future growth potential.
- Conference Call Details: The company will host a conference call on the same day at 11:00 a.m. CST, led by CEO Keith Donahoe and CFO Julie Shamburger, allowing analysts to engage in a Q&A session post-prepared remarks, enhancing investor interaction.
- Asset Overview: As of September 30, 2025, Southside Bank holds approximately $8.38 billion in assets, reflecting its strong market position in East Texas and the greater Dallas/Fort Worth, Austin, and Houston areas, further solidifying its role as a community-focused bank.
- Service Network Expansion: Southside Bank currently operates 53 branches and 70 ATMs/ITMs in East Texas, offering a comprehensive range of financial products and services to meet diverse needs of individual and business clients, thereby enhancing its competitive edge in the market.
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Analyst Views on SBSI
Wall Street analysts forecast SBSI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for SBSI is 32.00 USD with a low forecast of 31.00 USD and a high forecast of 33.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
0 Buy
2 Hold
0 Sell
Hold
Current: 32.280
Low
31.00
Averages
32.00
High
33.00
Current: 32.280
Low
31.00
Averages
32.00
High
33.00
About SBSI
Southside Bancshares, Inc. is a bank holding company for Southside Bank. The Company operates through approximately 53 branches, 12 of which are located in grocery stores, in addition to wealth management and trust services, and/or loan production, brokerage or other financial services offices. It is a community-focused financial institution that offers a full range of financial services to individuals, businesses, municipal entities and nonprofit organizations in the communities that it serves. Its consumer loan services include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans and other consumer related loans. Its commercial loan services include commercial real estate loans and municipal loans. The Company's trust and wealth management services include investment management, administration of irrevocable, revocable and testamentary trusts, and custodian services, primarily for individuals and, to a lesser extent, partnerships and corporations.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Southside Bancshares Reports Q4 2025 Financial Highlights
- Net Income Decline: Q4 2025 net income was $21.0 million, down 3.7% from $21.8 million in Q4 2024, primarily due to net losses on AFS securities, indicating challenges in asset management.
- Earnings Per Share Slightly Down: Diluted earnings per share were $0.70, a decrease of 1.4% from $0.71 in the same period of 2024, reflecting the impact of securities sales losses on profitability, which may affect investor confidence.
- Interest Income Growth: Net interest income reached $57.2 million, up 6.6% year-over-year, primarily due to a decrease in the average rate paid on interest-bearing liabilities, indicating some success in cost control.
- Low Nonperforming Assets Ratio: As of December 31, 2025, nonperforming assets were 0.45% of total assets, demonstrating ongoing efforts in credit quality management, although it has increased compared to previous periods, it remains below industry averages.
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Southside Bancshares Q4 Earnings Miss Expectations
- Earnings Decline: Southside Bancshares reported a Q4 GAAP EPS of $0.70, missing expectations by $0.09, indicating pressure on profitability that may affect investor confidence.
- Revenue Drop: The company's Q4 revenue of $62.83 million represents a 4.8% year-over-year decline, falling short of expectations, which suggests weak market demand that could impact future growth prospects.
- Net Interest Margin Improvement: The tax-equivalent net interest margin increased by four basis points to 2.98% quarter-over-quarter, although this slight improvement did not significantly enhance overall profitability, indicating intensified competition.
- Stable Asset Quality: Nonperforming assets remained low at 0.45% of total assets, demonstrating effective risk management, which helps maintain investor trust.
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