Filing Flows › Southside Bancshares (SBSI) › Q3 2026 › vs Q3 2025
Southside Bancshares (SBSI) Q3 2026 vs Q3 2025 (year over year)
Southside Bancshares's revenue rose $30.3M (+69%) from $43.7M in Q3 2025 to $74.0M in Q3 2026. The biggest changes: Noninterest income +$25.7M (—); Net interest income +$4.6M (+8%). Operating margin 46.3% against 11.7% (+34.6 pts).
Southside Bancshares, Q3 2026: revenue $74.0M (+69% year over year), operating margin 46.3%, net earnings $28.0M, operating cash flow $67.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 46.3% | 11.7% | +34.6 pts |
| Net margin | 37.8% | 11.2% | +26.6 pts |
| Free cash flow margin | 88.4% | 85.5% | +2.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $60.3M | $55.7M | $4.6M | +8% |
| Noninterest income | $13.7M | −$12.0M | $25.7M | — |
| Revenue | $74.0M | $43.7M | $30.3M | +69% |
| Operating profit | $34.3M | $5.1M | $29.2M | +572% |
| Costs & expenses | $39.8M | $38.6M | $1.1M | +3% |
| Pre-tax earnings | $34.3M | $5.1M | $29.2M | +572% |
| Credit loss provision | $747K | $1.1M | −$345K | -32% |
| Noninterest expense | $39.0M | $37.5M | $1.5M | +4% |
| Net earnings | $28.0M | $4.9M | $23.1M | +469% |
| Income tax | $6.3M | $189K | $6.1M | 33× |
| Depreciation & amortization | $2.6M | $2.7M | −$46K | -2% |
| Share-based compensation | $952K | $790K | $162K | +21% |
| Working capital & other | $35.7M | $31.8M | $3.9M | +12% |
| Operating cash flow | $67.3M | $40.2M | $27.1M | +67% |
| Free cash flow (OCF − capex) | $65.4M | $37.4M | $28.1M | +75% |
| Capital expenditures | $1.9M | $2.8M | −$961K | -34% |
Questions
How much did Southside Bancshares's revenue grow year over year in Q3 2026?
Southside Bancshares's revenue rose $30.3M (+69%) from $43.7M in Q3 2025 to $74.0M in Q3 2026.
What drove Southside Bancshares's revenue change in Q3 2026?
Noninterest income +$25.7M (—); Net interest income +$4.6M (+8%).