The earnings call presented a mixed picture. While loan production and deposit growth were robust, and there is a positive outlook for future net interest income, significant challenges were noted with a sharp decline in net income, a significant loss on securities sales, and an increase in nonperforming assets. The lowlights appear to outweigh the highlights due to the substantial negative financial impacts.

Company Guidance

During the call, the company provided comprehensive guidance and highlighted several key metrics. They reported a net income of $4.9 million for the third quarter, marking a decrease of $16.9 million or 77.5% compared to the previous quarter, with diluted earnings per share at $0.16, a decrease of $0.56 per share. Loans increased by $163.4 million or 3.5% to $4.77 billion as of September 30, driven by growth in commercial real estate and commercial loans. The company executed a significant restructuring of their available-for-sale securities portfolio, selling $325 million of lower-yielding securities, resulting in a net loss of $24.4 million but enhancing future net interest income. Net interest income increased by $1.45 million or 2.7%, although the net interest margin decreased slightly by 1 basis point to 2.94%. Noninterest income, excluding the net loss on securities sales, rose by $260,000 or 2.1%, primarily due to higher trust fees. Noninterest expense decreased by $1.7 million or 4.4%. The company also issued $150 million of subordinated debt and indicated that deposits rose by $329.6 million or 5%. They anticipate continued favorable conditions for net interest income, with a potential for further growth driven by a robust loan pipeline and strategic opportunities in the Texas market.

Strong Loan Growth

Third quarter new loan production totaled approximately $500 million, a significant increase from the second quarter's $290 million. Loans increased by $163 million, with notable growth in commercial real estate, commercial loans, and construction loans.

Improvement in Noninterest Income

Noninterest income, excluding the net loss on the sales of AFS securities, increased by $260,000 or 2.1% for the linked quarter, driven primarily by an increase in trust fees.

Deposit Growth

Deposits increased by $329.6 million or 5% on a linked quarter basis, driven by increases in broker deposits and commercial and retail deposits.

Positive Outlook for Net Interest Income

The repositioning of the securities portfolio and the late third quarter loan growth set up an optimistic outlook for net interest income. The net interest margin is expected to improve slightly in the fourth quarter.

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
Jan 23, 2026	2025 (Q4)	0.79 / -	0.716	―	―	―
Oct 24, 2025	2025 (Q3)	0.72 / 0.84	0.687	22.56% (+0.15)	―
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)	―

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
Oct 24, 2025	$27.62	$27.48	-0.51%
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%

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 Jan 23, 2026, Before Open (Confirmed).

What is Southside Bancshares (SBSI) earnings time?

Southside Bancshares (SBSI) earnings time is at Jan 23, 2026, 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 (Q4) is 0.79.

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