Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.42 | 9.77 | 9.96 | 10.85 | 44.14 | 10.22 | 10.20 | 11.03 | 12.29 | 8.52 | 10.29 | 13.74 | 11.96 | 8.07 | 10.00 | 10.34 | 10.52 | 11.84 | 13.26 | 11.88 | 10.64 |
| — | -4.3% | -2.3% | -1.6% | +259.1% | +19.9% | -0.9% | -19.7% | +2.8% | +5.5% | +2.9% | +32.8% | +13.6% | -31.8% | -24.6% | -13.0% | -1.1% | -19.5% | +43.2% | +36.3% | +42.8% | |
| P/S Ratio | 3.86 | 3.68 | 3.37 | 3.62 | 2.96 | 3.38 | 3.46 | 3.59 | 4.01 | 3.23 | 3.53 | 4.09 | 3.44 | 3.14 | 4.02 | 4.19 | 4.35 | 5.04 | 5.60 | 5.56 | 5.14 |
| — | +9.1% | -2.6% | +0.7% | -26.3% | +4.6% | -1.8% | -12.0% | +16.8% | +2.8% | -12.1% | -2.6% | -21.0% | -37.7% | -28.2% | -24.6% | -15.3% | -9.4% | +5.3% | +28.4% | +46.0% | |
| P/B Ratio | 1.10 | 1.19 | 1.08 | 1.07 | 1.03 | 1.11 | 1.08 | 1.19 | 1.26 | 1.04 | 1.12 | 1.23 | 1.20 | 1.05 | 1.39 | 1.54 | 1.61 | 1.65 | 1.69 | 1.49 | 1.42 |
| — | +7.8% | +0.4% | -9.6% | -18.6% | +5.8% | -3.8% | -3.1% | +4.8% | -0.6% | -19.2% | -20.5% | -25.3% | -36.2% | -17.9% | +3.5% | +13.4% | +17.6% | +14.7% | +26.8% | +47.4% | |
| P/FCF | 12.44 | 9.55 | 5.16 | 13.72 | 5.69 | — | 10.25 | 7.15 | — | 13.60 | 3.97 | — | 2.86 | 6.02 | 12.18 | 16.70 | 3.70 | 7.45 | 4.02 | 13.28 | 6.71 |
| — | — | -49.7% | +91.9% | — | — | +158.0% | — | — | +125.8% | -67.4% | — | -22.7% | -19.1% | +202.7% | +25.8% | -44.8% | -62.7% | -23.9% | +101.8% | +1.1% | |
| EV / EBITDA | 15.26 | 17.52 | 14.16 | 11.42 | 4.98 | 11.13 | 11.66 | 13.34 | 14.43 | 10.67 | 12.44 | 15.00 | 14.88 | 11.13 | 11.86 | 11.41 | 11.10 | 11.67 | 11.12 | 11.71 | 13.57 |
| — | +57.5% | +21.4% | -14.4% | -65.5% | +4.3% | -6.2% | -11.1% | -3.1% | -4.1% | +4.8% | +31.5% | +34.1% | -4.6% | +6.7% | -2.5% | -18.2% | -41.0% | -12.6% | -15.9% | -2.3% | |
| EV / EBIT | 15.30 | 17.52 | 15.44 | 12.72 | 44.88 | 12.26 | 12.82 | 14.82 | 15.91 | 11.56 | 13.61 | 17.00 | 16.74 | 12.14 | 12.89 | 12.40 | 12.09 | 12.80 | 12.22 | 12.68 | 14.69 |
| — | +42.9% | +20.4% | -14.2% | +182.1% | +6.0% | -5.8% | -12.8% | -4.9% | -4.7% | +5.6% | +37.1% | +38.4% | -5.2% | +5.5% | -2.2% | -17.7% | -42.2% | -10.6% | -16.2% | -3.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.8% | 60.4% | 59.4% | 57.7% | 22.3% | 59.3% | 57.1% | 57.1% | 53.6% | 56.6% | 55.9% | 54.4% | 54.8% | 66.1% | 70.3% | 76.5% | 83.3% | 91.8% | 91.8% | 97.1% | 97.3% |
| — | +1.9% | +4.0% | +1.0% | -58.5% | +4.8% | +2.2% | +5.0% | -2.2% | -14.4% | -20.5% | -28.9% | -34.2% | -28.0% | -23.4% | -21.2% | -14.5% | +6.3% | -12.0% | +1.1% | +4.1% | |
| Operating Margin | 19.7% | 27.7% | 25.0% | 23.0% | 4.3% | 24.1% | 23.8% | 23.0% | 22.0% | 25.9% | 23.3% | 19.1% | 20.8% | 30.4% | 33.0% | 36.8% | 40.1% | 43.6% | 43.8% | 50.4% | 50.8% |
| — | +15.3% | +4.9% | -0.1% | -80.4% | -7.1% | +2.2% | +20.6% | +5.4% | -14.7% | -29.5% | -48.2% | -48.1% | -30.3% | -24.5% | -27.0% | -21.0% | +13.9% | -24.6% | +0.6% | +9.5% | |
| Net Margin | 16.5% | 22.8% | 20.5% | 19.4% | 4.1% | 19.8% | 19.5% | 18.9% | 18.1% | 21.4% | 19.2% | 16.9% | 17.8% | 25.7% | 28.1% | 31.9% | 35.1% | 38.6% | 38.9% | 43.2% | 43.4% |
| — | +15.1% | +5.2% | +2.7% | -77.1% | -7.5% | +1.8% | +12.0% | +1.5% | -16.7% | -31.8% | -47.0% | -49.2% | -33.5% | -27.6% | -26.2% | -19.2% | +14.5% | -23.7% | -1.4% | +6.7% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.3% | 3.1% | 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% | 3.8% | 3.7% | 3.4% | 2.9% | 3.2% | 3.3% |
| — | +15.0% | +3.5% | -7.4% | -76.6% | -13.5% | -4.2% | +16.8% | +3.5% | -5.4% | -20.8% | -39.4% | -34.0% | -2.0% | +18.0% | +18.8% | +13.2% | +37.8% | -25.1% | -7.1% | +1.2% | |
| ROA | 0.8% | 0.3% | 0.3% | 0.2% | 0.1% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.4% |
| — | +16.9% | +5.3% | -3.8% | -76.0% | -11.4% | -1.4% | +21.2% | +5.0% | -7.5% | -23.8% | -42.2% | -34.7% | -7.5% | -2.4% | -7.5% | -12.6% | +14.8% | -28.6% | -4.3% | +9.8% | |
| ROIC | 3.7% | 1.1% | 1.3% | 1.3% | 0.3% | 1.2% | 1.1% | 1.1% | 1.0% | 1.3% | 1.2% | 0.9% | 1.1% | 1.4% | 1.6% | 1.9% | 2.0% | 2.0% | 1.7% | 1.6% | 1.4% |
| — | -5.8% | +12.2% | +15.9% | -75.1% | -5.8% | -1.6% | +18.5% | -2.1% | -10.5% | -28.7% | -51.9% | -46.4% | -29.0% | -6.1% | +21.7% | +41.3% | +109.7% | +13.2% | +24.7% | +27.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.87 | 1.86 | 1.05 | 0.87 | 0.62 | 0.96 | 1.05 | 1.20 | 1.28 | 1.16 | 1.19 | 1.16 | 1.07 | 0.99 | 1.04 | 0.74 | 0.70 | 0.53 | 0.27 | 0.59 | 0.97 |
| — | +92.3% | -0.6% | -28.0% | -51.9% | -17.1% | -11.9% | +4.1% | +20.1% | +18.0% | +14.3% | +56.5% | +53.0% | +86.4% | +291.6% | +24.0% | -28.3% | -53.6% | -76.2% | -53.9% | -30.2% | |
| Debt / EBITDA | 8.86 | 50.08 | 28.95 | 26.60 | 11.21 | 26.65 | 29.79 | 33.23 | 37.64 | 28.79 | 32.90 | 40.37 | 32.12 | 23.49 | 23.63 | 15.85 | 14.72 | 12.29 | 6.77 | 14.96 | 23.04 |
| — | +87.9% | -2.8% | -19.9% | -70.2% | -7.4% | -9.5% | -17.7% | +17.2% | +22.5% | +39.3% | +154.7% | +118.2% | +91.2% | +248.9% | +6.0% | -36.1% | -67.3% | -70.7% | -51.3% | -33.3% | |
| Current Ratio | 0.23 | 0.27 | 0.16 | 0.23 | 0.21 | 0.08 | 0.28 | 0.23 | 0.29 | 0.25 | 0.28 | 0.28 | 0.25 | 0.24 | 0.29 | 0.24 | 0.26 | 0.30 | 0.37 | 0.53 | 0.54 |
| — | +248.8% | -42.7% | +1.8% | -27.4% | -70.1% | +0.4% | -19.9% | +16.8% | +4.2% | -3.1% | +20.3% | -2.3% | -19.0% | -21.2% | -55.0% | -52.3% | -46.8% | -29.4% | -5.3% | -0.1% | |
| Quick Ratio | 0.23 | 0.27 | 0.16 | 0.23 | 0.21 | 0.08 | 0.28 | 0.23 | 0.29 | 0.25 | 0.28 | 0.28 | 0.25 | 0.24 | 0.29 | 0.24 | 0.26 | 0.30 | 0.37 | 0.53 | 0.54 |
| — | +248.8% | -42.7% | +1.8% | -27.4% | -70.1% | +0.4% | -19.9% | +16.8% | +4.2% | -3.1% | +20.3% | -2.3% | -19.0% | -21.2% | -55.0% | -52.3% | -46.8% | -29.4% | -5.3% | -0.1% | |
| Interest Coverage | 0.45 | 0.70 | 0.63 | 0.55 | 0.11 | 0.60 | 0.56 | 0.55 | 0.50 | 0.59 | 0.53 | 0.44 | 0.54 | 0.89 | 1.11 | 1.75 | 2.71 | 4.77 | 5.67 | 6.25 | 4.99 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying SBSI stock.
Southside Bancshares, Inc.'s current P/E is 13.4x. The average P/E over the last 4 quarters is 18.7x. 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.