Southside Bancshares (SU7) Ratios
Southside Bancshares Ratios
DE:SU7's free cash flow for Q3 2026 was $65.44M. For the 2026 fiscal year, DE:SU7's free cash flow was decreased by $-1.87M and operating cash flow was $67.31M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.23 | 0.23 | 0.28 | 0.24 | 0.53 |
| Quick Ratio | 0.23 | 0.23 | 0.28 | 0.24 | 0.53 |
| Cash Ratio | 0.05 | 0.06 | 0.08 | 0.02 | 0.04 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.01 | 0.02 | 0.01 | 0.04 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.22 | 1.33 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -5.98B | $ -6.17B | $ -5.65B | $ -5.35B | $ -3.34B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.09 | 0.11 | 0.11 | 0.07 | 0.07 |
| Debt-to-Equity Ratio | 0.87 | 1.20 | 1.16 | 0.74 | 0.59 |
| Debt-to-Capital Ratio | 0.46 | 0.55 | 0.54 | 0.42 | 0.37 |
| Long-Term Debt-to-Capital Ratio | 0.26 | 0.52 | 0.53 | 0.42 | 0.37 |
| Financial Leverage Ratio | 10.05 | 10.49 | 10.71 | 10.13 | 7.96 |
| Debt Service Coverage Ratio | 0.13 | 0.36 | 0.67 | 2.86 | 4.72 |
| Interest Coverage Ratio | 0.45 | 0.54 | 0.70 | 2.94 | 4.95 |
| Debt to Market Cap | 0.79 | 1.00 | 0.91 | 0.46 | 0.39 |
| Interest Debt Per Share | 30.40 | 38.79 | 33.81 | 18.40 | 17.48 |
| Net Debt to EBITDA | 3.75 | 5.12 | 3.40 | 3.33 | 2.40 |
| Profitability Margins | |||||
| Gross Profit Margin | 55.84% | 55.81% | 61.10% | 85.07% | 96.43% |
| EBIT Margin | 19.72% | 23.54% | 25.57% | 40.71% | 49.31% |
| EBITDA Margin | 22.25% | 25.84% | 28.24% | 44.49% | 53.61% |
| Operating Profit Margin | 19.72% | 23.54% | 25.57% | 40.71% | 49.31% |
| Pretax Profit Margin | 19.72% | 23.54% | 25.57% | 40.71% | 49.31% |
| Net Profit Margin | 16.52% | 19.40% | 21.92% | 35.74% | 42.74% |
| Continuous Operations Profit Margin | 16.52% | 19.40% | 21.92% | 35.74% | 42.74% |
| Net Income Per EBT | 83.77% | 82.41% | 85.72% | 87.79% | 86.68% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.81% | 1.04% | 1.05% | 1.39% | 1.56% |
| Return on Equity (ROE) | 8.17% | 10.90% | 11.21% | 14.08% | 12.43% |
| Return on Capital Employed (ROCE) | 6.72% | 6.01% | 5.83% | 8.79% | 8.51% |
| Return on Invested Capital (ROIC) | 4.20% | 4.75% | 5.00% | 7.72% | 7.38% |
| Return on Tangible Assets | 0.83% | 1.06% | 1.07% | 1.43% | 1.61% |
| Earnings Yield | 7.56% | 9.20% | 9.01% | 9.08% | 8.33% |
| Efficiency Ratios | |||||
| Receivables Turnover | 10.02 | 9.76 | 7.83 | 5.95 | 6.78 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.54 | 2.93 | 2.57 | 1.88 | 1.68 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.08 | -0.09 | -0.08 | -0.08 | -0.11 |
| Cash Conversion Cycle | 36.42 | 37.39 | 46.59 | 61.30 | 53.85 |
| Days of Sales Outstanding | 36.42 | 37.39 | 46.59 | 61.30 | 53.85 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 36.42 | 37.39 | 46.59 | 61.30 | 53.85 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.11 | 3.36 | 2.60 | 7.05 | 4.79 |
| Free Cash Flow Per Share | 2.44 | 2.99 | 2.38 | 6.76 | 4.54 |
| Dividend Paid and CapEx Coverage Ratio | 1.47 | 1.86 | 1.58 | 4.18 | 2.95 |
| Capital Expenditure Coverage Ratio | 4.61 | 9.12 | 11.57 | 24.35 | 18.66 |
| Operating Cash Flow Coverage Ratio | 0.13 | 0.10 | 0.09 | 0.41 | 0.29 |
| Operating Cash Flow to Sales Ratio | 0.22 | 0.22 | 0.20 | 0.77 | 0.59 |
| Free Cash Flow Yield | 8.02% | 9.43% | 7.59% | 18.79% | 10.85% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.21 | 10.88 | 11.09 | 11.01 | 12.01 |
| Price-to-Sales (P/S) Ratio | 2.19 | 2.11 | 2.43 | 3.93 | 5.13 |
| Price-to-Book (P/B) Ratio | 1.08 | 1.18 | 1.24 | 1.55 | 1.49 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.46 | 10.61 | 13.18 | 5.32 | 9.22 |
| Price-to-Operating Cash Flow Ratio | 9.76 | 9.44 | 12.04 | 5.10 | 8.72 |
| Price-to-Earnings Growth (PEG) Ratio | -0.62 | 3.07 | -0.81 | -1.82 | 0.29 |
| Enterprise Value Multiple | 13.58 | 13.28 | 12.01 | 12.17 | 11.97 |
| Enterprise Value | 1.27B | 1.56B | 1.34B | 1.59B | 1.70B |
| EV to EBITDA | 13.58 | 13.28 | 12.01 | 12.17 | 11.97 |
| EV to Sales | 3.02 | 3.43 | 3.39 | 5.41 | 6.42 |
| EV to Free Cash Flow | 17.23 | 17.26 | 18.38 | 7.32 | 11.52 |
| EV to Operating Cash Flow | 13.49 | 15.37 | 16.79 | 7.02 | 10.91 |
| Tangible Book Value Per Share | 21.42 | 20.11 | 18.54 | 16.82 | 21.63 |
| Shareholders’ Equity Per Share | 28.13 | 26.81 | 25.19 | 23.23 | 28.02 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.16 | 0.18 | 0.14 | 0.12 | 0.13 |
| Revenue Per Share | 13.90 | 15.06 | 12.88 | 9.15 | 8.15 |
| Net Income Per Share | 2.30 | 2.92 | 2.82 | 3.27 | 3.48 |
| Tax Burden | 0.84 | 0.82 | 0.86 | 0.88 | 0.87 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.23 | 0.21 | 0.23 | 0.29 | 0.31 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.36 | 1.15 | 0.92 | 2.16 | 1.38 |
Currency in USD