Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Southside Bancshares, Inc.'s quarterly P/E stands at 10.0x, down 2.3% year-over-year. EV/EBITDA has compressed 35.3% YoY to 7.5x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.69 | 9.96 | 10.85 | 44.14 | 10.22 | 10.20 | 11.03 | 12.29 | 8.52 | 10.29 | 13.74 | 11.96 | 8.07 |
| — | -2.3% | -1.6% | +259.1% | +19.9% | -0.9% | -19.7% | +2.8% | +5.5% | +2.9% | +32.8% | +13.6% | -31.8% | |
| P/S Ratio | 2.39 | 2.05 | 2.11 | 1.81 | 2.02 | 2.00 | 2.10 | 2.24 | 1.81 | 1.97 | 2.31 | 2.12 | 2.07 |
| — | +2.2% | +0.6% | -19.2% | +11.5% | +1.5% | -9.4% | +5.7% | -12.5% | -30.0% | -30.1% | -42.9% | -54.8% | |
| P/B Ratio | 1.20 | 1.08 | 1.07 | 1.03 | 1.11 | 1.08 | 1.19 | 1.26 | 1.04 | 1.12 | 1.23 | 1.20 | 1.05 |
| — | +0.4% | -9.6% | -18.6% | +5.8% | -3.8% | -3.1% | +4.8% | -0.6% | -19.2% | -20.5% | -25.3% | -36.2% | |
| P/FCF | 13.62 | — | 13.72 | 5.69 | — | 10.25 | 7.15 | — | 13.60 | 3.97 | — | 2.86 | 6.02 |
| — | — | +91.9% | — | — | +158.0% | — | — | +125.8% | -67.4% | — | -22.7% | -19.1% | |
| EV / EBITDA | 16.31 | 7.55 | 11.42 | 4.98 | 11.13 | 11.66 | 13.34 | 14.43 | 10.67 | 12.44 | 15.00 | 14.88 | 11.13 |
| — | -35.3% | -14.4% | -65.5% | +4.3% | -6.2% | -11.1% | -3.1% | -4.1% | +4.8% | +31.5% | +34.1% | -4.6% | |
| EV / EBIT | 16.35 | 7.55 | 12.72 | 44.88 | 12.26 | 12.82 | 14.82 | 15.91 | 11.56 | 13.61 | 17.00 | 16.74 | 12.14 |
| — | -41.1% | -14.2% | +182.1% | +6.0% | -5.8% | -12.8% | -4.9% | -4.7% | +5.6% | +37.1% | +38.4% | -5.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Southside Bancshares, Inc.'s operating margin was 25.0% in Q1 2026, up 2.0 pp QoQ and up 1.2 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 19.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.8% | 59.4% | 57.7% | 22.3% | 59.3% | 57.1% | 57.1% | 53.6% | 56.6% | 55.9% | 54.4% | 54.8% | 66.1% |
| — | +4.0% | +1.0% | -58.5% | +4.8% | +2.2% | +5.0% | -2.2% | -14.4% | -20.5% | -28.9% | -34.2% | -28.0% | |
| Operating Margin | 19.7% | 25.0% | 23.0% | 4.3% | 24.1% | 23.8% | 23.0% | 22.0% | 25.9% | 23.3% | 19.1% | 20.8% | 30.4% |
| — | +4.9% | -0.1% | -80.4% | -7.1% | +2.2% | +20.6% | +5.4% | -14.7% | -29.5% | -48.2% | -48.1% | -30.3% | |
| Net Margin | 16.5% | 20.5% | 19.4% | 4.1% | 19.8% | 19.5% | 18.9% | 18.1% | 21.4% | 19.2% | 16.9% | 17.8% | 25.7% |
| — | +5.2% | +2.7% | -77.1% | -7.5% | +1.8% | +12.0% | +1.5% | -16.7% | -31.8% | -47.0% | -49.2% | -33.5% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.3% | 2.7% | 2.5% | 0.6% | 2.7% | 2.6% | 2.7% | 2.6% | 3.1% | 2.8% | 2.3% | 2.5% | 3.3% |
| — | +3.5% | -7.4% | -76.6% | -13.5% | -4.2% | +16.8% | +3.5% | -5.4% | -20.8% | -39.4% | -34.0% | -2.0% | |
| ROA | 0.8% | 0.3% | 0.2% | 0.1% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% |
| — | +5.3% | -3.8% | -76.0% | -11.4% | -1.4% | +21.2% | +5.0% | -7.5% | -23.8% | -42.2% | -34.7% | -7.5% | |
| ROIC | 3.7% | 1.7% | 1.3% | 0.3% | 1.2% | 1.1% | 1.1% | 1.0% | 1.3% | 1.2% | 0.9% | 1.1% | 1.4% |
| — | +53.4% | +15.9% | -75.1% | -5.8% | -1.6% | +18.5% | -2.1% | -10.5% | -28.7% | -51.9% | -46.4% | -29.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.87 | — | 0.87 | 0.62 | 0.96 | 1.05 | 1.20 | 1.28 | 1.16 | 1.19 | 1.16 | 1.07 | 0.99 |
| — | — | -28.0% | -51.9% | -17.1% | -11.9% | +4.1% | +20.1% | +18.0% | +14.3% | +56.5% | +53.0% | +86.4% | |
| Debt / EBITDA | 8.86 | — | 26.60 | 11.21 | 26.65 | 29.79 | 33.23 | 37.64 | 28.79 | 32.90 | 40.37 | 32.12 | 23.49 |
| — | — | -19.9% | -70.2% | -7.4% | -9.5% | -17.7% | +17.2% | +22.5% | +39.3% | +154.7% | +118.2% | +91.2% | |
| Current Ratio | 0.23 | — | 0.23 | 0.21 | 0.08 | 0.28 | 0.23 | 0.29 | 0.25 | 0.28 | 0.28 | 0.25 | 0.24 |
| — | — | +1.8% | -27.4% | -70.1% | +0.4% | -19.9% | +16.8% | +4.2% | -3.1% | +20.3% | -2.3% | -19.0% | |
| Quick Ratio | 0.23 | — | 0.23 | 0.21 | 0.08 | 0.28 | 0.23 | 0.29 | 0.25 | 0.28 | 0.28 | 0.25 | 0.24 |
| — | — | +1.8% | -27.4% | -70.1% | +0.4% | -19.9% | +16.8% | +4.2% | -3.1% | +20.3% | -2.3% | -19.0% | |
| Interest Coverage | 0.45 | 0.63 | 0.55 | 0.11 | 0.60 | 0.56 | 0.55 | 0.50 | 0.59 | 0.53 | 0.44 | 0.54 | 0.89 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Southside Bancshares, Inc.'s current P/E is 14.7x. The average P/E over the last 4 quarters is 18.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Southside Bancshares, Inc.'s current operating margin is 19.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Southside Bancshares, Inc.'s business trajectory between earnings reports.