Southside Bancshares, Inc. — Earnings Quality Grade B
SBSI · Financial Services
Generally healthy
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 64 days, change -2 days YoY
AR growth -10.5% vs revenue growth -8.1%
Revenue -8.1%, CFFO -7.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 82.2% is >2x revenue growth -8.1%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.36. Profits backed by cash
FCF $0.1B, FCF/NI = 1.06
Accruals ratio = -0.3%. Low accruals
Cash $0.4B covers 52% of debt $0.7B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 24% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Southside Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25