Southside Bancshares, Inc. (SBSI)

Southside Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	70.97	69.22	88.49	86.69	105.02	113.4
Depreciation & Amortization	10.57	10.61	10.46	10.58	11.11	11.42
Provision for Credit Losses	3.71	3.05	3.35	9.15	3.24	-16.96
Stock-Based Compensation	3.77	3.05	3.52	3.55	3.22	3.02
Net Change in Loans Held-for-Sale	-0.58	0.61	0.96	-2.13	1.02	2.01
Other Adjustments	44.53	43.21	11.03	13.43	22.48	24.1
Changes in Accrued Interest and Accounts Receivable	0.26	4.92	3.77	-1.14	-10.21	-0.44
Changes in Accounts Payable	-1.51	3.44	-0.44	7.42	1.38	-2.26
Changes in Other Operating Activities	-12.88	-44.29	-19.29	-47.69	89.23	21.81
Operating Cash Flow	118.91	93.82	101.85	79.86	226.52	156.1
Operating Cash Flow Growth	76.18%	-7.89%	27.53%	-64.74%	45.11%	72.45%
Net Change in Loans Held-for-Investment	-382.46	-158.99	-130.49	-388.3	-503.65	11.89
Net Change in Securities and Investments	-7.18	147.43	-245.7	66.38	-123.54	-187.47
Capital Expenditures	-21.97	-20.34	-11.16	-6.9	-	-13
Sale of Property, Plant & Equipment	0.31	0.32	0.02	0.43	-	1.86
Other Investing Activities	-3.69	-2.64	4.47	1.32	-7.72	-7.3
Investing Cash Flow	-414.99	-34.22	-382.86	-327.07	-634.78	-194.01
Net Change in Deposits	283.61	210.85	104.51	351.55	475.63	789.97
Short-Term Debt Issued	275.83	132.21	-433.38	288.67	197.93	0.05
Net Short-Term Debt Issued (Repaid)	275.83	132.21	-433.38	288.67	197.93	0.05
Long-Term Debt Issued	2,986	3,903	8,144	2,019	3,321	14,998
Long-Term Debt Repaid	-3,375	-4,277	-7,627	-1,964	-3,512	-15,587
Net Long-Term Debt Issued (Repaid)	-388.97	-373.35	517.46	54.93	-190.68	-588.6
Issuance of Common Stock	1.6	1.65	3.78	2.31	2.02	9.03
Repurchase of Common Stock	-18.43	-23.97	-2.08	-45.4	-34.21	-34.63
Net Common Stock Issued (Repurchased)	-16.84	-22.32	1.7	-43.09	-32.19	-25.6
Common Dividends Paid	-43.14	-43.37	-43.63	-43.58	-44.94	-44.57
Financing Cash Flow	252.57	-95.97	146.66	608.47	405.76	131.25
Net Cash Flow	-43.5	-36.38	-134.35	361.26	-2.5	93.35
Free Cash Flow	96.95	73.48	90.69	72.96	226.52	143.1
Free Cash Flow Growth	31.94%	-18.98%	24.30%	-67.79%	58.29%	80.95%
FCF Margin	40.47%	31.40%	35.63%	30.19%	90.62%	55.93%
Free Cash Flow Per Share	3.23	2.43	2.99	2.37	7.02	4.38
Levered Free Cash Flow	-67.69	-217.57	155.91	392.56	203.78	-457.61
Unlevered Free Cash Flow	-25.52	-45.66	-16.66	-37.73	91.51	17.54

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q