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Southside Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$65.4M in Q3 2026 · $155M over twelve months

Operating cash flow$67.3M
Capital spending−$1.9M
Free cash flow+$65.4M
Cash / net income2.4×

Analysis

In Q3 2026, Southside Bancshares generated $67.3M of operating cash flow and spent $1.9M on capital projects, leaving free cash flow of $65.4M. That is $28.1M more than in Q3 2025 ($37.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $172M; the largest uses were other investing ($585M), dividends ($43.2M), capital spending ($17.8M); besides operations, cash came from other financing ($455M), shares issued ($204K); the cash balance fell by $30.5M.

Operating cash flow was $67.3M against net income of $28.0M — 2.4× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$16.8M, prepaid and other assets +$16.4M, depreciation & amortization +$2.6M.

Free cash flow

Southside Bancshares: free cash flow by quarterSouthside Bancshares: free cash flow by quarter$33.7MQ4 2024$21.5MQ1 2025−$2.0MQ2 2025$37.4MQ3 2025$16.6MQ4 2025$45.0MQ1 2026$27.5MQ2 2026$65.4MQ3 2026
Operating cash flow less capital spending.
Southside Bancshares: operating cash flow against capital spendingSouthside Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$38.8M$5.1MQ4 2024$23.9M$2.4MQ1 2025$5.9M$7.9MQ2 2025$40.2M$2.8MQ3 2025$23.7M$7.1MQ4 2025$49.0M$4.0MQ1 2026$32.2M$4.7MQ2 2026$67.3M$1.9MQ3 2026
Latest (Q3 2026): Operating cash flow $67.3M, Capital spending $1.9M.

Capital allocation, year by year

Southside Bancshares: where the cash came from (up) and went (down), by fiscal yearSouthside Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $156MFY2021: Net borrowing −$95KFY2021: Shares issued $7.7MFY2021: Asset sales $1.9MFY2021: Capital spending −$8.4MFY2021: Buybacks −$34.1MFY2021: Dividends −$44.6M$166MFY2021FY2022: Operating cash flow $227MFY2022: Shares issued $790KFY2022: Asset sales $1.4MFY2022: Capital spending −$9.3MFY2022: Buybacks −$33.7MFY2022: Dividends −$44.9M$229MFY2022FY2023: Operating cash flow $79.9MFY2023: Shares issued $1.1MFY2023: Asset sales $430KFY2023: Capital spending −$6.9MFY2023: Buybacks −$44.8MFY2023: Dividends −$43.6M$81.4MFY2023FY2024: Operating cash flow $102MFY2024: Shares issued $2.6MFY2024: Capital spending −$11.2MFY2024: Buybacks −$1.5MFY2024: Dividends −$43.6M$104MFY2024FY2025: Operating cash flow $93.8MFY2025: Shares issued $693KFY2025: Capital spending −$20.3MFY2025: Buybacks −$23.2MFY2025: Dividends −$43.4M$94.5MFY2025
Over these 5 years operating cash flow totalled $658M; the largest uses were dividends ($220M) and buybacks ($137M). Cash-flow statements as filed.

Where the cash came from and went

Southside Bancshares: sources (+) and uses (−) of cash, Q3 2026Southside Bancshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$140MOther financing$124MOperating cash flow$67.3MCash drawn (+) / kept (−)−$39.1MDividends−$11.0MCapital spending−$1.9MShares issued$133KTaxes on employees’ shares−$41K
Southside Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Southside Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$585MOther financing$455MOperating cash flow$172MDividends−$43.2MCash drawn (+) / kept (−)$30.5MCapital spending−$17.8MBuybacks−$10.6MTaxes on employees’ shares−$813KShares issued$204K

From profit to cash

Southside Bancshares: net income to operating cash flow, Q3 2026Southside Bancshares: net income to operating cash flow, Q3 2026Net income$28.0MDepreciation & amortization$2.6MStock-based pay$952KDeferred taxes−$561KGains on disposals−$331KPrepaid and other assets$16.4MOther liabilities$16.8MOperating cash flow$67.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$67.3M−$1.9M—−$11.0M$133K−$39.1M$65.4M
Q2 2026$32.2M−$4.7M—−$10.7M$19K−$9.8M$27.5M
Q1 2026$49.0M−$4.0M—−$10.7M$52K$2.3M$45.0M
Q4 2025$23.7M−$7.1M−$10.6M−$10.7M—$77.1M$16.6M
Q3 2025$40.2M−$2.8M−$1.5M−$10.8M−$10K−$76.8M$37.4M
Q2 2025$5.9M−$7.9M—−$10.9M$632K$40.9M−$2.0M
Q1 2025$23.9M−$2.4M—−$10.9M$71K−$4.8M$21.5M
Q4 2024$38.8M−$5.1M$5K−$10.9M$1.2M$60.1M$33.7M

Southside Bancshares: income statement and cash flow

Southside Bancshares, Q3 2026: revenue $74.0M (+69% year over year), operating margin 46.3%. The chart follows the revenue to costs, profit and cash.

Southside Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.