Southside Bancshares Q4 net income $21.8M ($0.71 EPS), up 25.8% YoY; FY EPS $2.91

SOUTHSIDE BANCSHARES INC

2024-FY EPS reported $2.91

Q4 net income $21.8M, EPS $0.71 vs $0.57 YoY; FY net income $88.5M, EPS $2.91 vs $2.82.
Net interest margin (tax-equiv) 2.83%, down 16bp YoY; efficiency ratio 56.08% vs 53.30% YoY.
Nonperforming assets 0.04% of total assets; classified loans $48M vs $19.2M at Dec 2023.
Loans grew 3.0% YoY to $4.66B; deposits up 1.6% to $6.65B; Q4 dividend $0.36/share.
No share repurchases in Q4; total contingent liquidity $2.23B net of borrowings.

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