SOUTHSIDE BANCSHARES INC (NYSE:SBSI) Reports Mixed Q2 2025 Earnings Amid Revenue Miss and Market Decline

SOUTHSIDE BANCSHARES INC (NYSE:SBSI) reported its second-quarter 2025 earnings, revealing a mixed performance relative to analyst expectations. The Texas-based bank holding company posted earnings per share (EPS) of $0.72, slightly above the consensus estimate of $0.6936. However, revenue came in at $68.84 million, missing the projected $69.36 million. The market reaction has been negative, with pre-market trading showing a decline of approximately 4.3%, suggesting investor disappointment despite the EPS beat.

Key Financial Highlights from Q2 2025

• Net Income: $21.8 million, down 11.6% year-over-year from $24.7 million in Q2 2024.
• Diluted EPS: $0.72, an 11.1% decrease from $0.81 in the prior-year quarter.
• Return on Equity (ROE): Annualized ROE stood at 10.73%, down from 12.46% in Q2 2024.
• Return on Assets (ROA): Annualized ROA was 1.07%, compared to 1.19% a year earlier.

Market Reaction and Performance

The immediate market response indicates concerns, likely tied to the revenue miss and broader declines in profitability metrics. Over the past month, SBSI had seen modest gains (+6.05%), but the sharp pre-market drop suggests that investors were anticipating stronger top-line growth. The stock’s performance over the last two weeks has been flat (-1.5%), reflecting cautious sentiment ahead of earnings.

Forward-Looking Estimates

Analysts expect Q3 2025 revenue of $70.99 million, with full-year 2025 sales projected at $280.68 million. The EPS estimate for Q3 is $0.71553. While the company did not provide explicit guidance in its press release, the market appears to be weighing the softer revenue figures against broader economic conditions affecting regional banks.

For a deeper dive into earnings trends and future estimates, review the detailed earnings and estimates page for SBSI.

Disclaimer: This article is not investment advice. Investors should conduct their own research or consult a financial advisor before making decisions.