Southside Bancshares, Inc. (SBSI) — Cash Flow Quality Index
Southside Bancshares, Inc. (SBSI) has a Cash Flow Quality Index of 2.11x as of March 2026. Operating cash flow of $49.04 Million exceeds net income of $23.26 Million, indicating high earnings quality where cash backs reported profits. Explore SBSI cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Southside Bancshares, Inc. Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for Southside Bancshares, Inc. across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see SBSI operating cash flow.
Annual Cash Flow Quality Index for Southside Bancshares, Inc. (1995–2025)
Year-by-year earnings quality comparison for Southside Bancshares, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.36x | $93.82 Million | $69.22 Million | ▲ +17.8% |
| 2024 | 1.15x | $101.85 Million | $88.49 Million | ▲ +24.9% |
| 2023 | 0.92x | $79.86 Million | $86.69 Million | ▼ -57.3% |
| 2022 | 2.16x | $226.52 Million | $105.02 Million | ▲ +56.7% |
| 2021 | 1.38x | $156.10 Million | $113.40 Million | ▲ +24.9% |
| 2020 | 1.10x | $90.52 Million | $82.15 Million | ▲ +1.9% |
| 2019 | 1.08x | $80.61 Million | $74.55 Million | ▼ -34.5% |
| 2018 | 1.65x | $122.40 Million | $74.14 Million | ▼ -2.2% |
| 2017 | 1.69x | $91.73 Million | $54.31 Million | ▼ -3.9% |
| 2016 | 1.76x | $86.72 Million | $49.35 Million | ▲ +5.9% |
| 2015 | 1.66x | $72.98 Million | $44.00 Million | ▼ -38.3% |
| 2014 | 2.69x | $56.03 Million | $20.83 Million | ▲ +86.2% |
| 2013 | 1.44x | $59.51 Million | $41.19 Million | ▼ -28.0% |
| 2012 | 2.01x | $69.57 Million | $34.70 Million | ▲ +10.3% |
| 2011 | 1.82x | $73.58 Million | $40.49 Million | ▲ +38.4% |
| 2010 | 1.31x | $52.59 Million | $40.06 Million | ▲ +141.7% |
| 2009 | 0.54x | $24.91 Million | $45.86 Million | ▼ -42.2% |
| 2008 | 0.94x | $28.84 Million | $30.70 Million | ▼ -30.6% |
| 2007 | 1.35x | $22.60 Million | $16.68 Million | ▲ +6.0% |
| 2006 | 1.28x | $19.17 Million | $15.00 Million | ▼ -23.5% |
| 2005 | 1.67x | $24.36 Million | $14.59 Million | ▲ +23.6% |
| 2004 | 1.35x | $21.74 Million | $16.10 Million | ▼ -38.6% |
| 2003 | 2.20x | $29.81 Million | $13.56 Million | ▲ +5.7% |
| 2002 | 2.08x | $27.70 Million | $13.32 Million | ▼ -76.6% |
| 2001 | 8.88x | $104.20 Million | $11.73 Million | ▲ +899.5% |
| 2000 | 0.89x | $8.73 Million | $9.82 Million | ▼ -12.2% |
| 1999 | 1.01x | $8.00 Million | $7.90 Million | ▼ -64.0% |
| 1998 | 2.81x | $15.20 Million | $5.40 Million | ▲ +62.4% |
| 1997 | 1.73x | $8.68 Million | $5.01 Million | ▲ +228.6% |
| 1996 | 0.53x | $2.22 Million | $4.21 Million | ▼ -70.4% |
| 1995 | 1.78x | $8.09 Million | $4.53 Million | — |