For the quarter ended September 2026, Southside Bancshares (SBSI Quick QuoteSBSI - Free Report) reported revenue of $76.14 million, up 8% over the same period last year. EPS came in at $0.93, compared to $0.80 in the year-ago quarter.

The reported revenue represents a surprise of +4.95% over the Zacks Consensus Estimate of $72.55 million. With the consensus EPS estimate being $0.79, the EPS surprise was +17.72%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Southside Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin (FTE): 3% versus 2.9% estimated by three analysts on average.
• Net charge-offs (recoveries) to average loans outstanding: -0% versus 0.1% estimated by three analysts on average.
• Efficiency Ratio: 53% versus 55.8% estimated by three analysts on average.
• Average Balance - Total earning assets: $8.2 billion versus the two-analyst average estimate of $8.16 billion.
• Total Nonaccrual loans: $10.3 million versus the two-analyst average estimate of $9.5 million.
• Total Nonperforming Assets: $15.84 million versus the two-analyst average estimate of $9.68 million.
• Net Interest Income (FTE): $62.41 million compared to the $59.28 million average estimate based on three analysts.
• Total Noninterest Income: $13.73 million versus the three-analyst average estimate of $13.3 million.
• Net Interest Income: $60.3 million versus $57.32 million estimated by three analysts on average.
• Brokerage services: $1.54 million versus $1.33 million estimated by two analysts on average.
• Bank owned life insurance income: $0.94 million versus the two-analyst average estimate of $1.21 million.
• Other non-interest (loss) income: $1.88 million versus $2.03 million estimated by two analysts on average.

View all Key Company Metrics for Southside Bancshares here>>>

Shares of Southside Bancshares have returned +5.2% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.