Southside Bancshares, Inc.
Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company offers consumer loan services, including 1… Read more
Southside Bancshares, Inc. (SBSI) - Net Assets
Latest net assets as of December 2025: $8.51 Billion USD
Based on the latest financial reports, Southside Bancshares, Inc. (SBSI) has net assets worth $8.51 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($16.18 Billion) and total liabilities ($7.67 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $8.51 Billion |
| % of Total Assets | 52.62% |
| Annual Growth Rate | 20.29% |
| 5-Year Change | 833.44% |
| 10-Year Change | 1542.87% |
| Growth Volatility | 203.75 |
Southside Bancshares, Inc. - Net Assets Trend (1995–2025)
This chart illustrates how Southside Bancshares, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Southside Bancshares, Inc. (1995–2025)
The table below shows the annual net assets of Southside Bancshares, Inc. from 1995 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $8.51 Billion | +948.67% |
| 2024-12-31 | $811.94 Million | +5.00% |
| 2023-12-31 | $773.29 Million | +3.66% |
| 2022-12-31 | $746.00 Million | -18.22% |
| 2021-12-31 | $912.17 Million | +4.21% |
| 2020-12-31 | $875.30 Million | -84.38% |
| 2019-12-31 | $5.60 Billion | +666.09% |
| 2018-12-31 | $731.29 Million | -3.03% |
| 2017-12-31 | $754.14 Million | +45.51% |
| 2016-12-31 | $518.27 Million | +16.71% |
| 2015-12-31 | $444.06 Million | +4.43% |
| 2014-12-31 | $425.24 Million | +63.86% |
| 2013-12-31 | $259.52 Million | +0.68% |
| 2012-12-31 | $257.76 Million | -0.45% |
| 2011-12-31 | $258.93 Million | +20.19% |
| 2010-12-31 | $215.44 Million | +6.52% |
| 2009-12-31 | $202.25 Million | +25.55% |
| 2008-12-31 | $161.09 Million | +21.28% |
| 2007-12-31 | $132.83 Million | +20.09% |
| 2006-12-31 | $110.60 Million | +1.20% |
| 2005-12-31 | $109.29 Million | +4.39% |
| 2004-12-31 | $104.70 Million | +4.29% |
| 2003-12-31 | $100.39 Million | +22.17% |
| 2002-12-31 | $82.17 Million | +19.80% |
| 2001-12-31 | $68.58 Million | +32.67% |
| 2000-12-31 | $51.70 Million | +37.12% |
| 1999-12-31 | $37.70 Million | -18.75% |
| 1998-12-31 | $46.40 Million | +15.91% |
| 1997-12-31 | $40.03 Million | +9.36% |
| 1996-12-31 | $36.60 Million | +9.75% |
| 1995-12-31 | $33.35 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Southside Bancshares, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3760.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $352.19 Million | 4.14% |
| Common Stock | $47.64 Million | 0.56% |
| Other Comprehensive Income | $-95.62 Million | -1.12% |
| Other Components | $8.21 Billion | 96.43% |
| Total Equity | $8.51 Billion | 100.00% |
Southside Bancshares, Inc. Competitors by Market Cap
The table below lists competitors of Southside Bancshares, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Jiayou International Logistics Co Ltd
SHG:603871
|
$896.45 Million |
|
Also Holding AG
SW:ALSN
|
$896.74 Million |
|
Cheil Worldwide
KO:030000
|
$897.00 Million |
|
F&G Annuities & Life Inc.
NYSE:FG
|
$897.06 Million |
|
MLS Co Ltd
SHE:002745
|
$895.84 Million |
|
Cresud SACIF y A
NASDAQ:CRESY
|
$895.70 Million |
|
CSSC Offshore & Marine Engineering (Group) Co Ltd
F:GSZ
|
$895.67 Million |
|
AIMA Technology Group Co Ltd
SHG:603529
|
$895.58 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Southside Bancshares, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 811,942,000 to 8,514,590,000, a change of 7,702,648,000 (948.7%).
- Net income of 69,220,000 contributed positively to equity growth.
- Dividend payments of 43,371,000 reduced retained earnings.
- Share repurchases of 23,182,000 reduced equity.
- New share issuances of 954,000 increased equity.
- Other comprehensive income increased equity by 29,281,000.
- Other factors increased equity by 7,669,746,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $69.22 Million | +0.81% |
| Dividends Paid | $43.37 Million | -0.51% |
| Share Repurchases | $23.18 Million | -0.27% |
| Share Issuances | $954.00K | +0.01% |
| Other Comprehensive Income | $29.28 Million | +0.34% |
| Other Changes | $7.67 Billion | +90.08% |
| Total Change | $- | 948.67% |
Book Value vs Market Value Analysis
This analysis compares Southside Bancshares, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.11x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 16.90x to 0.11x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $1.89 | $32.01 | x |
| 1996-12-31 | $1.97 | $32.01 | x |
| 1997-12-31 | $2.10 | $32.01 | x |
| 1998-12-31 | $2.42 | $32.01 | x |
| 1999-12-31 | $2.13 | $32.01 | x |
| 2000-12-31 | $2.91 | $32.01 | x |
| 2001-12-31 | $3.46 | $32.01 | x |
| 2002-12-31 | $4.07 | $32.01 | x |
| 2003-12-31 | $4.91 | $32.01 | x |
| 2004-12-31 | $4.91 | $32.01 | x |
| 2005-12-31 | $5.18 | $32.01 | x |
| 2006-12-31 | $5.20 | $32.01 | x |
| 2007-12-31 | $6.19 | $32.01 | x |
| 2008-12-31 | $7.47 | $32.01 | x |
| 2009-12-31 | $9.32 | $32.01 | x |
| 2010-12-31 | $9.90 | $32.01 | x |
| 2011-12-31 | $12.03 | $32.01 | x |
| 2012-12-31 | $11.93 | $32.01 | x |
| 2013-12-31 | $12.21 | $32.01 | x |
| 2014-12-31 | $19.63 | $32.01 | x |
| 2015-12-31 | $16.22 | $32.01 | x |
| 2016-12-31 | $19.02 | $32.01 | x |
| 2017-12-31 | $25.10 | $32.01 | x |
| 2018-12-31 | $20.83 | $32.01 | x |
| 2019-12-31 | $23.74 | $32.01 | x |
| 2020-12-31 | $26.30 | $32.01 | x |
| 2021-12-31 | $27.90 | $32.01 | x |
| 2022-12-31 | $23.13 | $32.01 | x |
| 2023-12-31 | $25.14 | $32.01 | x |
| 2024-12-31 | $26.74 | $32.01 | x |
| 2025-12-31 | $281.70 | $32.01 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Southside Bancshares, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.81%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.52%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 1.90x
- Recent ROE (0.81%) is below the historical average (13.05%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 13.59% | 26.64% | 0.04x | 13.45x | $1.20 Million |
| 1996 | 11.49% | 22.10% | 0.04x | 13.19x | $544.60K |
| 1997 | 12.51% | 21.88% | 0.04x | 14.27x | $1.00 Million |
| 1998 | 11.64% | 10.38% | 0.06x | 18.89x | $760.00K |
| 1999 | 20.95% | 11.30% | 0.07x | 26.86x | $4.13 Million |
| 2000 | 19.01% | 11.47% | 0.07x | 22.28x | $4.66 Million |
| 2001 | 17.10% | 12.36% | 0.07x | 18.62x | $4.87 Million |
| 2002 | 16.22% | 15.00% | 0.07x | 16.42x | $5.11 Million |
| 2003 | 13.51% | 15.94% | 0.06x | 14.49x | $3.53 Million |
| 2004 | 15.38% | 18.11% | 0.05x | 15.47x | $5.63 Million |
| 2005 | 13.35% | 14.46% | 0.06x | 16.32x | $3.66 Million |
| 2006 | 13.56% | 18.79% | 0.04x | 17.10x | $3.94 Million |
| 2007 | 12.61% | 12.62% | 0.06x | 16.60x | $3.45 Million |
| 2008 | 19.11% | 17.39% | 0.07x | 16.81x | $14.63 Million |
| 2009 | 22.00% | 21.67% | 0.07x | 14.99x | $24.22 Million |
| 2010 | 18.24% | 21.56% | 0.06x | 14.00x | $17.67 Million |
| 2011 | 15.11% | 23.66% | 0.05x | 12.76x | $13.24 Million |
| 2012 | 13.46% | 22.39% | 0.05x | 12.56x | $8.92 Million |
| 2013 | 15.87% | 26.83% | 0.04x | 13.28x | $15.24 Million |
| 2014 | 4.90% | 14.18% | 0.03x | 11.30x | $-21.69 Million |
| 2015 | 9.91% | 23.23% | 0.04x | 11.62x | $-409.20K |
| 2016 | 9.52% | 24.05% | 0.04x | 10.74x | $-2.48 Million |
| 2017 | 7.20% | 24.57% | 0.03x | 8.62x | $-21.10 Million |
| 2018 | 10.14% | 27.58% | 0.04x | 8.37x | $1.01 Million |
| 2019 | 9.27% | 26.41% | 0.04x | 8.39x | $-5.90 Million |
| 2020 | 9.39% | 29.18% | 0.04x | 8.01x | $-5.38 Million |
| 2021 | 12.43% | 42.74% | 0.04x | 7.96x | $22.18 Million |
| 2022 | 14.08% | 35.74% | 0.04x | 10.13x | $30.42 Million |
| 2023 | 11.21% | 21.92% | 0.05x | 10.71x | $9.36 Million |
| 2024 | 10.90% | 19.40% | 0.05x | 10.49x | $7.30 Million |
| 2025 | 0.81% | 16.52% | 0.03x | 1.90x | $-782.24 Million |
Industry Comparison
This section compares Southside Bancshares, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $20,728,691,502
- Average return on equity (ROE) among peers: 14.29%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Southside Bancshares, Inc. (SBSI) | $8.51 Billion | 13.59% | 0.90x | $896.17 Million |
| Ameris Bancorp (ABCB) | $191.25 Million | 7.92% | 10.04x | $5.07 Billion |
| ACNB Corporation (ACNB) | $74.52 Million | 12.49% | 11.40x | $483.21 Million |
| Addiko Bank AG (ADBKF) | $746.20 Million | 3.44% | 7.04x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $43.92 Million | 3.67% | 4.15x | $94.93 Million |
| Absa Group Limited (AGRPF) | $132.30 Billion | 4.89% | 10.57x | $6.72 Billion |
| AIB Group plc (AIBGY) | $6.79 Billion | 16.94% | 14.05x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $3.61 Billion | 15.27% | 12.78x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $14.03 Million | 56.41% | 9.40x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $588.14 Million | 11.94% | 10.65x | $248.47 Million |