Analysis of Schroder BSC Social Impact Trust's Declining Stock Price
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4 days ago
0mins
Should l Buy SBSI?
Source: Yahoo Finance
- Poor Stock Performance: Schroder BSC Social Impact Trust's share price has fallen by 38% over the past five years and dropped 10% in the last quarter, leading shareholders to question their investment and potentially impacting future investment decisions.
- Declining Earnings Per Share: Over the past five years, the trust's earnings per share (EPS) have decreased at an annual rate of 32%, while the share price has declined by 9% annually, indicating a deterioration in the company's fundamentals and a possibly pessimistic market outlook.
- Total Shareholder Return Analysis: Despite the poor stock performance, the trust's total shareholder return (TSR) over the last five years was -29%, suggesting that dividends paid have somewhat mitigated shareholder losses, although it still lags behind overall market performance.
- Market Performance Comparison: Shareholders of the trust have seen a 7% loss over the past year, while the market itself has risen by 25%, indicating a lack of competitiveness for the trust in the market, and prolonged stock price weakness may signal greater risks ahead.
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Analyst Views on SBSI
Wall Street analysts forecast SBSI stock price to fall
2 Analyst Rating
0 Buy
2 Hold
0 Sell
Hold
Current: 32.980
Low
31.00
Averages
32.00
High
33.00
Current: 32.980
Low
31.00
Averages
32.00
High
33.00
About SBSI
Southside Bancshares, Inc. is a bank holding company for Southside Bank. The Company operates through approximately 53 branches, 12 of which are located in grocery stores, in addition to wealth management and trust services, and/or loan production, brokerage or other financial services offices. It is a community-focused financial institution that offers a full range of financial services to individuals, businesses, municipal entities and nonprofit organizations in the communities that it serves. Its consumer loan services include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans and other consumer related loans. Its commercial loan services include commercial real estate loans and municipal loans. The Company's trust and wealth management services include investment management, administration of irrevocable, revocable and testamentary trusts, and custodian services, primarily for individuals and, to a lesser extent, partnerships and corporations.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Analysis of Schroder BSC Social Impact Trust's Declining Stock Price
- Poor Stock Performance: Schroder BSC Social Impact Trust's share price has fallen by 38% over the past five years and dropped 10% in the last quarter, leading shareholders to question their investment and potentially impacting future investment decisions.
- Declining Earnings Per Share: Over the past five years, the trust's earnings per share (EPS) have decreased at an annual rate of 32%, while the share price has declined by 9% annually, indicating a deterioration in the company's fundamentals and a possibly pessimistic market outlook.
- Total Shareholder Return Analysis: Despite the poor stock performance, the trust's total shareholder return (TSR) over the last five years was -29%, suggesting that dividends paid have somewhat mitigated shareholder losses, although it still lags behind overall market performance.
- Market Performance Comparison: Shareholders of the trust have seen a 7% loss over the past year, while the market itself has risen by 25%, indicating a lack of competitiveness for the trust in the market, and prolonged stock price weakness may signal greater risks ahead.
See More
Southside Bancshares Reports Significant Q4 Net Income Surge
- Net Income Surge: Southside Bancshares reported a net income of $221 million for Q4, representing a 327.2% increase from the previous quarter, showcasing the company's success in reducing funding costs and achieving moderate loan growth, thereby enhancing its market competitiveness.
- Net Interest Margin Expansion: The net interest margin expanded to 2.98%, with expectations for further improvement following the redemption of $93 million in subordinated debt, indicating the company's strong profitability amid changing interest rate environments.
- Decline in Loan Production: New loan production for Q4 was $327 million, down from $500 million in Q3, reflecting increased market competition and economic uncertainty, which may impact future revenue growth.
- Stable Credit Quality: Nonperforming assets accounted for 0.45% of total assets, demonstrating the company's robustness in credit management, although potential risks in credit loss coverage remain, providing a foundation for future loan growth.
See More
Southside Bancshares Reports Q4 2025 Earnings Highlights
- Significant Net Income Growth: Southside Bancshares reported a net income of $21 million for Q4 2025, reflecting a substantial increase of $16.1 million or 327.2% from the previous quarter, indicating a marked improvement in profitability under favorable market conditions.
- Loan Production Recovery: New loan production for the fourth quarter was approximately $327 million, with $215 million funded during the quarter, and the loan pipeline rebounded to over $2 billion after year-end, suggesting a positive outlook for loan demand recovery.
- Interest Income Enhancement: Net interest income increased by $1.5 million linked quarter, with net interest margin expanding to 2.98%, and further expansion is anticipated in 2026 due to the redemption of approximately $93 million in subordinated debt, enhancing future financial flexibility.
- Expense Growth Outlook: Management projects a 7% increase in noninterest expenses for 2026, primarily driven by software and personnel changes, with Q1 2026 noninterest expenses expected to be around $39.5 million, including an $800,000 one-time charge, reflecting the company's commitment to technology investments.
See More
Southside Bancshares Reports Q4 2025 Financial Highlights
- Net Income Decline: Q4 2025 net income was $21.0 million, down 3.7% from $21.8 million in Q4 2024, primarily due to net losses on AFS securities, indicating challenges in asset management.
- Earnings Per Share Slightly Down: Diluted earnings per share were $0.70, a decrease of 1.4% from $0.71 in the same period of 2024, reflecting the impact of securities sales losses on profitability, which may affect investor confidence.
- Interest Income Growth: Net interest income reached $57.2 million, up 6.6% year-over-year, primarily due to a decrease in the average rate paid on interest-bearing liabilities, indicating some success in cost control.
- Low Nonperforming Assets Ratio: As of December 31, 2025, nonperforming assets were 0.45% of total assets, demonstrating ongoing efforts in credit quality management, although it has increased compared to previous periods, it remains below industry averages.
See More
Southside Bancshares Q4 Earnings Miss Expectations
- Earnings Decline: Southside Bancshares reported a Q4 GAAP EPS of $0.70, missing expectations by $0.09, indicating pressure on profitability that may affect investor confidence.
- Revenue Drop: The company's Q4 revenue of $62.83 million represents a 4.8% year-over-year decline, falling short of expectations, which suggests weak market demand that could impact future growth prospects.
- Net Interest Margin Improvement: The tax-equivalent net interest margin increased by four basis points to 2.98% quarter-over-quarter, although this slight improvement did not significantly enhance overall profitability, indicating intensified competition.
- Stable Asset Quality: Nonperforming assets remained low at 0.45% of total assets, demonstrating effective risk management, which helps maintain investor trust.
See More
Southside Bancshares to Release Q4 and Year-End Financial Results on January 29, 2026
- Earnings Release Schedule: Southside Bancshares plans to release its fourth quarter and year-end financial results before market open on January 29, 2026, which is expected to provide investors with critical financial performance data to assess the company's future growth potential.
- Conference Call Details: The company will host a conference call on the same day at 11:00 a.m. CST, led by CEO Keith Donahoe and CFO Julie Shamburger, allowing analysts to engage in a Q&A session post-prepared remarks, enhancing investor interaction.
- Asset Overview: As of September 30, 2025, Southside Bank holds approximately $8.38 billion in assets, reflecting its strong market position in East Texas and the greater Dallas/Fort Worth, Austin, and Houston areas, further solidifying its role as a community-focused bank.
- Service Network Expansion: Southside Bank currently operates 53 branches and 70 ATMs/ITMs in East Texas, offering a comprehensive range of financial products and services to meet diverse needs of individual and business clients, thereby enhancing its competitive edge in the market.
See More
Analysis of Schroder BSC Social Impact Trust's Declining Stock Price
- Poor Stock Performance: Schroder BSC Social Impact Trust's share price has fallen by 38% over the past five years and dropped 10% in the last quarter, leading shareholders to question their investment and potentially impacting future investment decisions.
- Declining Earnings Per Share: Over the past five years, the trust's earnings per share (EPS) have decreased at an annual rate of 32%, while the share price has declined by 9% annually, indicating a deterioration in the company's fundamentals and a possibly pessimistic market outlook.
- Total Shareholder Return Analysis: Despite the poor stock performance, the trust's total shareholder return (TSR) over the last five years was -29%, suggesting that dividends paid have somewhat mitigated shareholder losses, although it still lags behind overall market performance.
- Market Performance Comparison: Shareholders of the trust have seen a 7% loss over the past year, while the market itself has risen by 25%, indicating a lack of competitiveness for the trust in the market, and prolonged stock price weakness may signal greater risks ahead.
See More
Southside Bancshares Reports Significant Q4 Net Income Surge
- Net Income Surge: Southside Bancshares reported a net income of $221 million for Q4, representing a 327.2% increase from the previous quarter, showcasing the company's success in reducing funding costs and achieving moderate loan growth, thereby enhancing its market competitiveness.
- Net Interest Margin Expansion: The net interest margin expanded to 2.98%, with expectations for further improvement following the redemption of $93 million in subordinated debt, indicating the company's strong profitability amid changing interest rate environments.
- Decline in Loan Production: New loan production for Q4 was $327 million, down from $500 million in Q3, reflecting increased market competition and economic uncertainty, which may impact future revenue growth.
- Stable Credit Quality: Nonperforming assets accounted for 0.45% of total assets, demonstrating the company's robustness in credit management, although potential risks in credit loss coverage remain, providing a foundation for future loan growth.
See More
Southside Bancshares Reports Q4 2025 Earnings Highlights
- Significant Net Income Growth: Southside Bancshares reported a net income of $21 million for Q4 2025, reflecting a substantial increase of $16.1 million or 327.2% from the previous quarter, indicating a marked improvement in profitability under favorable market conditions.
- Loan Production Recovery: New loan production for the fourth quarter was approximately $327 million, with $215 million funded during the quarter, and the loan pipeline rebounded to over $2 billion after year-end, suggesting a positive outlook for loan demand recovery.
- Interest Income Enhancement: Net interest income increased by $1.5 million linked quarter, with net interest margin expanding to 2.98%, and further expansion is anticipated in 2026 due to the redemption of approximately $93 million in subordinated debt, enhancing future financial flexibility.
- Expense Growth Outlook: Management projects a 7% increase in noninterest expenses for 2026, primarily driven by software and personnel changes, with Q1 2026 noninterest expenses expected to be around $39.5 million, including an $800,000 one-time charge, reflecting the company's commitment to technology investments.
See More
Southside Bancshares Reports Q4 2025 Financial Highlights
- Net Income Decline: Q4 2025 net income was $21.0 million, down 3.7% from $21.8 million in Q4 2024, primarily due to net losses on AFS securities, indicating challenges in asset management.
- Earnings Per Share Slightly Down: Diluted earnings per share were $0.70, a decrease of 1.4% from $0.71 in the same period of 2024, reflecting the impact of securities sales losses on profitability, which may affect investor confidence.
- Interest Income Growth: Net interest income reached $57.2 million, up 6.6% year-over-year, primarily due to a decrease in the average rate paid on interest-bearing liabilities, indicating some success in cost control.
- Low Nonperforming Assets Ratio: As of December 31, 2025, nonperforming assets were 0.45% of total assets, demonstrating ongoing efforts in credit quality management, although it has increased compared to previous periods, it remains below industry averages.
See More
Southside Bancshares Q4 Earnings Miss Expectations
- Earnings Decline: Southside Bancshares reported a Q4 GAAP EPS of $0.70, missing expectations by $0.09, indicating pressure on profitability that may affect investor confidence.
- Revenue Drop: The company's Q4 revenue of $62.83 million represents a 4.8% year-over-year decline, falling short of expectations, which suggests weak market demand that could impact future growth prospects.
- Net Interest Margin Improvement: The tax-equivalent net interest margin increased by four basis points to 2.98% quarter-over-quarter, although this slight improvement did not significantly enhance overall profitability, indicating intensified competition.
- Stable Asset Quality: Nonperforming assets remained low at 0.45% of total assets, demonstrating effective risk management, which helps maintain investor trust.
See More
Southside Bancshares to Release Q4 and Year-End Financial Results on January 29, 2026
- Earnings Release Schedule: Southside Bancshares plans to release its fourth quarter and year-end financial results before market open on January 29, 2026, which is expected to provide investors with critical financial performance data to assess the company's future growth potential.
- Conference Call Details: The company will host a conference call on the same day at 11:00 a.m. CST, led by CEO Keith Donahoe and CFO Julie Shamburger, allowing analysts to engage in a Q&A session post-prepared remarks, enhancing investor interaction.
- Asset Overview: As of September 30, 2025, Southside Bank holds approximately $8.38 billion in assets, reflecting its strong market position in East Texas and the greater Dallas/Fort Worth, Austin, and Houston areas, further solidifying its role as a community-focused bank.
- Service Network Expansion: Southside Bank currently operates 53 branches and 70 ATMs/ITMs in East Texas, offering a comprehensive range of financial products and services to meet diverse needs of individual and business clients, thereby enhancing its competitive edge in the market.
See More
