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Southside Bancshares, Inc. (SBSI) Total Return Calculator with Dividends Reinvested

Southside Bancshares, Inc.

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The total return for Southside Bancshares, Inc. (SBSI) stock is +22.83% over the past 12 months. So far it's up 10.77% this year. The 5-year total return is -3.92%, meaning $10,000 invested in SBSI stock 5 years ago would be worth $9,608 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in SBSI 1 year ago, it would be worth $12,368 today — you'd have gained $2,368 with dividends reinvested.

With Dividends Reinvested$12,368+23.68%

Price Only (No DRIP)$11,783+17.83%

Dividend Boost+$5854 payments · +5.85% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in SBSI

1Y$12,283+$2,283 (+22.8%)22.8% CAGR

3Y$13,707+$3,707 (+37.1%)11.1% CAGR

5Y$9,608-$392 (-3.9%)-0.8% CAGR

10Y$16,258+$6,258 (+62.6%)5.0% CAGR

15Y$30,783+$20,783 (+207.8%)7.8% CAGR

20Y$38,263+$28,263 (+282.6%)6.9% CAGR

30Y$107,877+$97,877 (+978.8%)8.3% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-22	$0.36	$28.12	+0.012802
2025-08-21	$0.36	$29.71	+0.012272
2025-11-20	$0.36	$28.28	+0.013049
2026-02-19	$0.36	$32.48	+0.011506

Loading SBSI total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+10.77%	—	+9.59%	+1.18 pp	$11,077
1Y	+22.83%	22.83%	+17.75%	+5.08 pp	$12,283
3Y	+37.07%	11.08%	+21.39%	+15.68 pp	$13,707
5Y	-3.92%	-0.80%	-20.79%	+16.88 pp	$9,608
10Y	+62.58%	4.98%	+16.92%	+45.65 pp	$16,258
15Y	+207.83%	7.78%	+101.63%	+106.20 pp	$30,783
20Y	+282.63%	6.94%	+139.21%	+143.42 pp	$38,263
30Y	+978.77%	8.25%	+555.59%	+423.18 pp	$107,877

Risk & Highlights

Best Year+65.98%2016

Worst Year-14.26%2007

Max Drawdown-15.77%2025-08-27 → 2025-10-16 · Recovered 2025-12-10

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+4.04%	+2.86%	+1.2pp	+0.41%	+3.6pp
2025	+2.58%	-2.06%	+4.6pp	+16.64%	-14.1pp
2024	+4.60%	+0.06%	+4.5pp	+24.00%	-19.4pp
2023	-8.98%	-12.93%	+3.9pp	+24.81%	-33.8pp
2022	-11.65%	-14.96%	+3.3pp	-19.95%	+8.3pp

SBSI underperformed the S&P 500 by 8.49pp over the past year (+22.83% vs +31.32%).

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SBSI Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
SBSISouthside Bancshares, Inc.	$993M	+5.0%	+10.8%	+22.8%	+5.1pp	+37.1%	-3.9%	+62.6%
FFINFirst Financial Bankshares, Inc.	$4.6B	+7.3%	+9.2%	-2.5%	+2.2pp	+29.9%	-29.0%	+146.6%
TCBITexas Capital Bancshares, Inc.	$4.5B	+5.4%	+11.6%	+46.4%	—	+118.2%	+46.5%	+141.6%
BOKFBOK Financial Corporation	$10.4B	+4.3%	+14.7%	+47.4%	+2.6pp	+82.1%	+62.2%	+172.7%
IBOCInternational Bancshares Corporation	$4.5B	+6.3%	+9.6%	+19.0%	+2.3pp	+86.9%	+61.1%	+227.0%
SFNCSimmons First National Corporation	$3.1B	+9.0%	+15.9%	+17.7%	+4.5pp	+54.9%	-14.9%	+26.4%
HOMBHome Bancshares, Inc.	$5.3B	-1.4%	-2.4%	-1.3%	+2.9pp	+42.8%	+7.6%	+58.1%
BANRBanner Corporation	$2.2B	+5.7%	+7.7%	+10.7%	+3.2pp	+62.2%	+30.9%	+102.3%
CVBFCVB Financial Corp.	$2.8B	+4.5%	+11.6%	+13.6%	+4.2pp	+95.0%	+11.9%	+67.4%
SRCE1st Source Corporation	$1.8B	+3.2%	+19.5%	+24.8%	+2.7pp	+89.2%	+66.5%	+155.7%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%

Compare:SBSI vs FFIN SBSI vs TCBI SBSI vs BOKF SBSI vs FFIN vs TCBI

About SBSI Dividend Returns

Southside Bancshares, Inc. (SBSI) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of SBSI over the past year?

Southside Bancshares, Inc. (SBSI) delivered a total return of 22.83% over the past year when dividends are reinvested. The price-only return was 17.75%, meaning dividends contributed an additional 5.08 percentage points to total returns.

Q2How much would $10,000 invested in SBSI be worth today?

A $10,000 investment in Southside Bancshares, Inc. one year ago would be worth $12,283 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,775. Dividend reinvestment added $508 to the portfolio value.

Q3Does SBSI pay dividends?

Yes, Southside Bancshares, Inc. (SBSI) pays dividends. In the last year, SBSI paid approximately $1.43 per share in dividends (4.30% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did SBSI beat the S&P 500?

No, Southside Bancshares, Inc. (SBSI) underperformed the S&P 500 by 8.49 percentage points over the past year. SBSI delivered a total return of 22.83%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed SBSI by 8.49pp during this period.

Q5What is SBSI's worst drawdown?

Southside Bancshares, Inc. (SBSI) experienced a maximum drawdown of -15.77% over the past year, declining from its peak on 2025-08-27 to its trough on 2025-10-16. The stock recovered to its prior peak by 2025-12-10. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is SBSI's long-term total return over 10, 20, or 30 years?

Here are Southside Bancshares, Inc. (SBSI)'s long-term returns with dividends reinvested. Over 10 years, the total return is 62.6% (5.0% CAGR) — $10,000 would have grown to $16,258. Over 20 years: 282.6% total return (6.9% CAGR) — $10,000 → $38,263. Over 30 years: 978.8% total return (8.3% CAGR) — $10,000 → $107,877. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was SBSI's best and worst year?

Southside Bancshares, Inc.'s best calendar year was 2016 with a total return of 66.0%. Its worst year was 2007 with a total return of -14.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 80.2 percentage points.