Southside Bancshares vs First Financial
Southside Bancshares and First Financial are similar in size: $237m and $262m of revenue in their latest fiscal years. First Financial grew faster (20.2% against -8.1%). First Financial kept more of each dollar of sales as profit: a net margin of 30.3% against 29.2%.
| Latest fiscal year | Southside BancsharesSBSI, 2025 | First FinancialTHFF, 2025 |
|---|---|---|
| Revenue | $237m | $262m |
| Revenue growth | -8.1% | 20.2% |
| Net income | $69.2m | $79.2m |
| Operating margin | — | — |
| Net margin | 29.2% | 30.3% |
| Return on equity | 8.3% | 13.2% |
| Free cash flow | $73.5m | $86.4m |
| Cash | $390m | $130m |
| Total debt | $300m | $188m |
| Debt to equity | — | — |
| Dividend per share | $1.44 | $2.09 |
| Dividend yield | 4.1% | 2.7% |
| Share buybacks | $23.2m | $795,000 |
| Employees | — | 946 |
| Market value | $1.05bn | $917m |
| Price vs our value range | — | — |
| Moat score | 84 (Strong) | 86 (Strong) |
| Insider trades, 12 months | 2 buys, 2 sales | 3 buys, 1 sales |