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Southside Bancshares (SBSI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 29, 2026 · Southside Bancshares (SBSI) Q3 2026 earnings results →
Q3 2026 Revenue up 69% year over year to $74.0M · 38¢ of every $1 of revenue kept as net profit · operating margin 46.3%
Southside Bancshares made $74.0M in Q3 2026 (+69% Y/Y): Net interest income $60.3M, Noninterest income $13.7M. Operating margin 46.3%, net earnings $28.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 29, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $74.0M in Q3 2026, up 69% year over year and up 4% from the previous quarter. Net interest income was the largest line at 81% of revenue. Noninterest income added $25.7M year over year, 85% of the total change.
Operating profit was $34.3M, a 46.3% margin (up 34.6 points year over year). Of the extra revenue versus a year earlier, 96% reached operating profit, above the 12% margin then. Total costs grew 3% against revenue growth of 69%. Net earnings were $28.0M, up 469% year over year. The effective tax rate was 18.3%.
Operating cash flow was $67.3M (up 67% year over year), 241% of net earnings. Non-cash charges added back $2.6M of depreciation and amortization and $1.0M of share-based compensation. Working capital and other items added $35.7M. Capital expenditures of $1.9M left free cash flow of $65.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 29, 2026 | $74.0M | +69% | 46.3% | $28.0M | $67.3M |
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🔄Rotation against the market and its industry (RRG)interactive
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📈Investments: gains and what it boughtinteractive
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About Southside Bancshares
The disclosures set forth in this item are qualified by the section captioned “Cautionary Notice Regarding Forward-Looking Statements” in “Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations” of this Annual Report on Form 10-K and other cautionary statements set forth elsewhere in this report. Southside Bancshares, Inc., incorporated in Texas in 1982, is a bank holding company for Southside Bank, a Texas state bank headquartered in Tyler, Texas that was formed in 1960. We operate through 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.
In its own words, from its 10-K, filed Feb 27, 2026.
Southside Bancshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +69% against the peers' median +12%. Operating margin: 46.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SBSI Southside Bancshares | Q3 2026 | $74.0M | +69% | 46.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Southside Bancshares 10-Q on SEC EDGAR · CIK 705432 · State Commercial Banks
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History
Every quarter: Q3 2026 results