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Side-by-side financial comparison of SOUTHSIDE BANCSHARES INC (SBSI) and Vericel Corp (VCEL). Click either name above to swap in a different company.
Vericel Corp is the larger business by last-quarter revenue ($92.9M vs $62.8M, roughly 1.5× SOUTHSIDE BANCSHARES INC). SOUTHSIDE BANCSHARES INC runs the higher net margin — 33.4% vs 25.0%, a 8.4% gap on every dollar of revenue. On growth, Vericel Corp posted the faster year-over-year revenue change (23.3% vs -4.8%). SOUTHSIDE BANCSHARES INC produced more free cash flow last quarter ($73.5M vs $12.8M). Over the past eight quarters, Vericel Corp's revenue compounded faster (34.6% CAGR vs -0.2%).
Southside Bancshares Inc. is a U.S.-based bank holding company primarily operating in Texas. It offers a full range of personal and commercial banking services including deposit accounts, mortgage, consumer and commercial loans, and wealth management solutions, serving retail customers, small and medium-sized enterprises and local community groups.
Vericel Corporation is a publicly traded American biopharmaceutical company which was known prior to October 2014 as Aastrom Bio. Aastrom Bio was formed in 1989 in Ann Arbor, Michigan.
SBSI vs VCEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.8M | $92.9M |
| Net Profit | $21.0M | $23.2M |
| Gross Margin | — | 78.7% |
| Operating Margin | 39.4% | 24.1% |
| Net Margin | 33.4% | 25.0% |
| Revenue YoY | -4.8% | 23.3% |
| Net Profit YoY | -3.7% | 17.3% |
| EPS (diluted) | $0.70 | $0.46 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $62.8M | $92.9M | ||
| Q3 25 | $43.7M | $67.5M | ||
| Q2 25 | $66.4M | $63.2M | ||
| Q1 25 | $64.1M | $52.6M | ||
| Q4 24 | $66.0M | $75.4M | ||
| Q3 24 | $63.6M | $57.9M | ||
| Q2 24 | $65.2M | $52.7M | ||
| Q1 24 | $63.1M | $51.3M |
| Q4 25 | $21.0M | $23.2M | ||
| Q3 25 | $4.9M | $5.1M | ||
| Q2 25 | $21.8M | $-553.0K | ||
| Q1 25 | $21.5M | $-11.2M | ||
| Q4 24 | $21.8M | $19.8M | ||
| Q3 24 | $20.5M | $-901.0K | ||
| Q2 24 | $24.7M | $-4.7M | ||
| Q1 24 | $21.5M | $-3.9M |
| Q4 25 | — | 78.7% | ||
| Q3 25 | — | 73.5% | ||
| Q2 25 | — | 73.7% | ||
| Q1 25 | — | 69.0% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 71.9% | ||
| Q2 24 | — | 69.5% | ||
| Q1 24 | — | 68.9% |
| Q4 25 | 39.4% | 24.1% | ||
| Q3 25 | 11.7% | 5.1% | ||
| Q2 25 | 40.0% | -3.2% | ||
| Q1 25 | 40.9% | -24.3% | ||
| Q4 24 | 40.1% | 24.5% | ||
| Q3 24 | 39.2% | -4.3% | ||
| Q2 24 | 45.9% | -11.5% | ||
| Q1 24 | 41.4% | -10.7% |
| Q4 25 | 33.4% | 25.0% | ||
| Q3 25 | 11.2% | 7.5% | ||
| Q2 25 | 32.8% | -0.9% | ||
| Q1 25 | 33.6% | -21.4% | ||
| Q4 24 | 33.0% | 26.3% | ||
| Q3 24 | 32.3% | -1.6% | ||
| Q2 24 | 37.9% | -8.9% | ||
| Q1 24 | 34.1% | -7.5% |
| Q4 25 | $0.70 | $0.46 | ||
| Q3 25 | $0.16 | $0.10 | ||
| Q2 25 | $0.72 | $-0.01 | ||
| Q1 25 | $0.71 | $-0.23 | ||
| Q4 24 | $0.71 | $0.40 | ||
| Q3 24 | $0.68 | $-0.02 | ||
| Q2 24 | $0.81 | $-0.10 | ||
| Q1 24 | $0.71 | $-0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $389.8M | $137.5M |
| Total DebtLower is stronger | $300.0M | — |
| Stockholders' EquityBook value | $847.6M | $354.6M |
| Total Assets | $8.5B | $488.0M |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $389.8M | $137.5M | ||
| Q3 25 | $466.9M | $135.4M | ||
| Q2 25 | $390.1M | $116.9M | ||
| Q1 25 | $431.0M | $112.9M | ||
| Q4 24 | $426.2M | $116.2M | ||
| Q3 24 | $486.3M | $101.7M | ||
| Q2 24 | $452.0M | $102.5M | ||
| Q1 24 | $469.4M | $110.6M |
| Q4 25 | $300.0M | — | ||
| Q3 25 | $299.9M | — | ||
| Q2 25 | $152.4M | — | ||
| Q1 25 | $152.4M | — | ||
| Q4 24 | $152.3M | — | ||
| Q3 24 | $152.3M | — | ||
| Q2 24 | $152.2M | — | ||
| Q1 24 | $154.2M | — |
| Q4 25 | $847.6M | $354.6M | ||
| Q3 25 | $834.9M | $321.9M | ||
| Q2 25 | $807.2M | $306.8M | ||
| Q1 25 | $816.6M | $295.5M | ||
| Q4 24 | $811.9M | $292.0M | ||
| Q3 24 | $805.3M | $257.5M | ||
| Q2 24 | $801.0M | $243.0M | ||
| Q1 24 | $787.9M | $233.9M |
| Q4 25 | $8.5B | $488.0M | ||
| Q3 25 | $8.4B | $453.3M | ||
| Q2 25 | $8.3B | $435.6M | ||
| Q1 25 | $8.3B | $424.6M | ||
| Q4 24 | $8.5B | $432.7M | ||
| Q3 24 | $8.4B | $390.4M | ||
| Q2 24 | $8.4B | $376.8M | ||
| Q1 24 | $8.4B | $356.7M |
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.36× | — | ||
| Q2 25 | 0.19× | — | ||
| Q1 25 | 0.19× | — | ||
| Q4 24 | 0.19× | — | ||
| Q3 24 | 0.19× | — | ||
| Q2 24 | 0.19× | — | ||
| Q1 24 | 0.20× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $93.8M | $15.0M |
| Free Cash FlowOCF − Capex | $73.5M | $12.8M |
| FCF MarginFCF / Revenue | 117.0% | 13.8% |
| Capex IntensityCapex / Revenue | 32.4% | 2.4% |
| Cash ConversionOCF / Net Profit | 4.47× | 0.65× |
| TTM Free Cash FlowTrailing 4 quarters | $130.4M | $24.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $93.8M | $15.0M | ||
| Q3 25 | $40.2M | $22.1M | ||
| Q2 25 | $5.9M | $8.2M | ||
| Q1 25 | $23.9M | $6.6M | ||
| Q4 24 | $101.8M | $22.2M | ||
| Q3 24 | $-11.7M | $10.2M | ||
| Q2 24 | $16.5M | $18.5M | ||
| Q1 24 | $58.3M | $7.2M |
| Q4 25 | $73.5M | $12.8M | ||
| Q3 25 | $37.4M | $19.5M | ||
| Q2 25 | $-2.0M | $81.0K | ||
| Q1 25 | $21.5M | $-7.6M | ||
| Q4 24 | $90.7M | $8.5M | ||
| Q3 24 | $-14.2M | $-9.2M | ||
| Q2 24 | $15.4M | $1.8M | ||
| Q1 24 | $55.7M | $-6.8M |
| Q4 25 | 117.0% | 13.8% | ||
| Q3 25 | 85.5% | 28.8% | ||
| Q2 25 | -3.0% | 0.1% | ||
| Q1 25 | 33.6% | -14.5% | ||
| Q4 24 | 137.4% | 11.2% | ||
| Q3 24 | -22.3% | -15.9% | ||
| Q2 24 | 23.6% | 3.4% | ||
| Q1 24 | 88.4% | -13.3% |
| Q4 25 | 32.4% | 2.4% | ||
| Q3 25 | 6.5% | 3.9% | ||
| Q2 25 | 12.0% | 12.9% | ||
| Q1 25 | 3.8% | 27.0% | ||
| Q4 24 | 16.9% | 18.3% | ||
| Q3 24 | 3.8% | 33.5% | ||
| Q2 24 | 1.7% | 31.8% | ||
| Q1 24 | 4.1% | 27.3% |
| Q4 25 | 4.47× | 0.65× | ||
| Q3 25 | 8.18× | 4.35× | ||
| Q2 25 | 0.27× | — | ||
| Q1 25 | 1.11× | — | ||
| Q4 24 | 4.67× | 1.12× | ||
| Q3 24 | -0.57× | — | ||
| Q2 24 | 0.67× | — | ||
| Q1 24 | 2.71× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SBSI
Segment breakdown not available.
VCEL
| MACI Implants And Kits | $84.1M | 90% |
| Other | $8.8M | 10% |
