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ServisFirst Bancshares (SFBS) Financials

ServisFirst Bancshares logo
$88.61 -0.31 (-0.35%)
As of 03:58 PM Eastern
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Annual Income Statements for ServisFirst Bancshares

Annual Income Statements for ServisFirst Bancshares

This table shows ServisFirst Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 63 81 93 137 149 170 208 251 207 227 277
Consolidated Net Income / (Loss)		 64 81 93 137 149 170 208 252 207 227 277
Net Income / (Loss) Continuing Operations		 64 81 93 137 149 170 208 252 207 227 277
Total Pre-Tax Income 		89 111 137 169 187 214 253 309 245 279 342
Total Revenue		 176 204 245 282 312 368 418 504 441 482 562
Net Interest Income / (Expense)		 162 187 227 263 288 338 385 471 411 447 535
Total Interest Income		 180 213 263 327 391 389 416 559 813 946 990
Loans and Leases Interest Income		 171 200 247 305 354 363 386 500 699 788 829
Investment Securities Interest Income		 7.83 8.64 12 15 18 23 26 41 54 67 67
Federal Funds Sold and Securities Borrowed Interest Income		 0.13 1.01 1.69 3.10 6.04 0.33 0.03 1.56 2.84 1.13 12
Other Interest Income		 0.72 2.79 2.32 3.09 12 3.17 4.84 17 58 90 83
Total Interest Expense		 18 26 35 64 103 51 32 88 402 499 455
Deposits Interest Expense		 15 20 29 56 91 45 27 59 332 421 374
Long-Term Debt Interest Expense		 2.81 5.64 6.50 8.45 12 5.76 5.23 29 71 79 81
Total Non-Interest Income		 14 17 17 19 24 30 33 33 30 35 27
Other Service Charges		 11 2.69 1.10 16 1.74 24 4.66 33 3.04 2.89 3.11
Net Realized & Unrealized Capital Gains on Investments		 0.03 -0.00 0.00 0.19 0.03 0.00 0.62 -6.17 0.00 0.00 -16
Other Non-Interest Income		 2.62 14 16 3.13 22 6.31 28 6.48 27 32 40
Provision for Credit Losses		 13 13 23 21 23 42 32 38 19 22 35
Total Non-Interest Expense		 74 80 84 92 102 112 133 158 178 181 185
Salaries and Employee Benefits		 39 44 48 52 58 61 68 78 81 96 95
Net Occupancy & Equipment Expense		 6.39 7.99 8.02 17 21 24 28 40 42 46 46
Other Operating Expenses		 27 28 29 23 24 26 38 40 55 39 44
Income Tax Expense		 25 29 44 32 38 45 46 57 38 52 66
Preferred Stock Dividends Declared		 0.28 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06
Basic Earnings per Share		 $1.23 $1.55 $1.76 $2.57 $2.79 $3.15 $3.83 $4.63 $3.80 $4.17 $5.06
Weighted Average Basic Shares Outstanding		 51.43M 52.45M 52.89M 53.48M 53.70M 54.09M 54.27M 54.40M 54.49M 54.58M 54.64M
Diluted Earnings per Share		 $1.20 $1.52 $1.72 $2.53 $2.76 $3.13 $3.82 $4.61 $3.79 $4.16 $5.06
Weighted Average Diluted Shares Outstanding		 51.43M 52.45M 52.89M 53.48M 53.70M 54.09M 54.27M 54.40M 54.49M 54.58M 54.64M
Weighted Average Basic & Diluted Shares Outstanding		 51.43M 52.45M 52.89M 53.48M 53.70M 54.09M 54.27M 54.40M 54.49M 54.58M 54.64M
Cash Dividends to Common per Share		 - $0.12 $0.15 $0.33 $0.45 $0.53 $0.60 $0.69 $0.84 $0.90 $1.00

Quarterly Income Statements for ServisFirst Bancshares

This table shows ServisFirst Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 42 50 52 60 65 63 61 66 86 83 86
Consolidated Net Income / (Loss)		 42 50 52 60 65 63 61 66 86 83 86
Net Income / (Loss) Continuing Operations		 42 50 52 60 65 63 61 66 86 83 86
Total Pre-Tax Income 		47 61 67 72 79 79 77 79 108 101 107
Total Revenue		 109 111 115 124 132 132 132 136 162 159 169
Net Interest Income / (Expense)		 102 102 106 115 123 124 132 133 147 148 156
Total Interest Income		 229 227 228 248 244 241 247 251 251 241 250
Loans and Leases Interest Income		 185 187 194 206 201 197 207 211 214 210 221
Investment Securities Interest Income		 16 16 16 18 17 16 17 17 17 16 16
Federal Funds Sold and Securities Borrowed Interest Income		 1.02 0.54 0.54 0.03 0.02 0.02 1.59 4.72 5.67 5.56 4.15
Other Interest Income		 28 23 17 24 26 28 22 18 14 9.75 9.18
Total Interest Expense		 127 124 122 133 121 118 115 118 105 93 94
Deposits Interest Expense		 108 104 105 113 99 95 93 99 87 78 79
Long-Term Debt Interest Expense		 19 20 17 20 22 23 21 19 18 15 15
Total Non-Interest Income		 7.38 8.91 8.89 8.55 8.80 8.28 0.42 2.83 16 11 13
Other Service Charges		 21 0.69 0.83 0.82 18 1.00 0.75 0.66 -4.44 0.63 0.71
Net Realized & Unrealized Capital Gains on Investments		 - - 0.00 0.00 - - -8.56 -7.81 - - 0.00
Other Non-Interest Income		 -7.95 8.21 8.06 7.73 -3.49 7.28 8.24 9.99 20 10 12
Provision for Credit Losses		 3.58 4.54 5.35 5.66 6.21 6.63 11 9.46 7.92 11 11
Total Non-Interest Expense		 58 46 43 46 46 46 44 48 47 47 50
Salaries and Employee Benefits		 23 23 24 25 24 23 23 26 24 27 26
Net Occupancy & Equipment Expense		 12 11 11 12 12 11 12 12 12 11 12
Other Operating Expenses		 24 13 7.57 8.75 10 12 10 11 11 9.06 12
Income Tax Expense		 5.15 11 14 12 14 16 15 13 21 18 21
Preferred Stock Dividends Declared		 0.03 0.00 0.03 0.00 0.03 0.00 0.03 0.00 0.03 0.00 0.03
Basic Earnings per Share		 $0.77 $0.92 $0.96 $1.10 $1.19 $1.16 $1.12 $1.20 $1.58 $1.52 $1.57
Weighted Average Basic Shares Outstanding		 54.49M 54.51M 54.53M 54.55M 54.58M 54.61M 54.62M 54.62M 54.64M 54.66M 54.67M
Diluted Earnings per Share		 $0.77 $0.92 $0.95 $1.10 $1.19 $1.16 $1.12 $1.20 $1.58 $1.52 $1.57
Weighted Average Diluted Shares Outstanding		 54.49M 54.51M 54.53M 54.55M 54.58M 54.61M 54.62M 54.62M 54.64M 54.66M 54.67M
Weighted Average Basic & Diluted Shares Outstanding		 54.49M 54.51M 54.53M 54.55M 54.58M 54.61M 54.62M 54.62M 54.64M 54.66M 54.67M

Annual Cash Flow Statements for ServisFirst Bancshares

This table details how cash moves in and out of ServisFirst Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 55 432 -306 204 -51 1,581 2,011 -3,406 1,315 246 -750
Net Cash From Operating Activities		 76 99 118 168 164 191 266 273 197 253 355
Net Cash From Continuing Operating Activities		 76 99 118 168 164 191 266 273 197 253 355
Net Income / (Loss) Continuing Operations		 64 81 93 137 149 170 208 252 207 227 277
Consolidated Net Income / (Loss)		 64 81 93 137 149 170 208 252 207 227 277
Provision For Loan Losses		 13 13 23 21 23 42 32 38 19 22 35
Depreciation Expense		 2.22 2.72 2.57 3.38 3.68 3.83 4.12 4.10 4.44 4.79 4.73
Amortization Expense		 5.09 4.53 4.30 3.11 3.37 5.88 15 2.60 14 -0.20 0.12
Non-Cash Adjustments to Reconcile Net Income		 -9.55 0.06 12 -12 -9.86 -21 11 11 -8.22 1.68 46
Changes in Operating Assets and Liabilities, net		 2.12 -3.67 -17 15 -4.79 -9.36 -2.84 -34 -39 -2.18 -7.76
Net Cash From Investing Activities		 -749 -862 -1,042 -754 -988 -1,411 -1,561 -2,642 -200 -949 -1,154
Net Cash From Continuing Investing Activities		 -749 -862 -1,042 -754 -988 -1,411 -1,561 -2,642 -200 -949 -1,154
Purchase of Property, Leasehold Improvements and Equipment		 -5.54 -22 -21 -2.30 -2.36 -2.31 -9.45 -3.65 -3.91 -4.65 -5.94
Purchase of Investment Securities		 -813 -920 -1,117 -854 -1,124 -1,633 -1,831 -2,910 -1,090 -2,165 -1,813
Sale and/or Maturity of Investments		 69 80 96 101 138 224 280 271 893 1,221 664
Net Cash From Financing Activities		 728 1,195 617 790 773 2,801 3,305 -1,036 1,318 941 49
Net Cash From Continuing Financing Activities		 728 1,195 617 790 773 2,801 3,305 -1,036 1,318 941 49
Net Change in Deposits		 650 1,196 671 824 615 2,445 2,477 -906 1,727 270 676
Issuance of Debt		 35 0.00 30 0.00 0.00 35 0.00 0.00 300 0.00 1.00
Repayment of Debt		 -0.30 -0.40 -20 -0.20 0.00 -35 0.00 0.00 -300 0.00 -31
Payment of Dividends		 -6.16 -7.91 -10 -20 -24 -28 -33 -38 -46 -65 -73
Other Financing Activities, Net		 90 6.77 -54 -13 182 384 861 -93 -363 737 -523
Cash Interest Paid		 17 24 35 59 102 51 31 83 393 499 453
Cash Income Taxes Paid		 27 31 43 31 42 51 57 69 54 45 35

Quarterly Cash Flow Statements for ServisFirst Bancshares

This table details how cash moves in and out of ServisFirst Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 66 -680 -174 483 616 973 -1,639 62 -147 210 -380
Net Cash From Operating Activities		 91 53 48 84 67 48 68 141 99 70 163
Net Cash From Continuing Operating Activities		 91 53 48 84 67 48 68 141 99 70 163
Net Income / (Loss) Continuing Operations		 42 50 52 60 65 63 61 66 86 83 86
Consolidated Net Income / (Loss)		 42 50 52 60 65 63 61 66 86 83 86
Provision For Loan Losses		 3.58 4.54 5.35 6.16 5.70 6.63 11 9.46 7.92 11 11
Depreciation Expense		 1.20 1.10 1.14 1.46 1.09 1.22 1.04 1.13 1.34 1.27 1.25
Amortization Expense		 14 -0.20 -2.95 7.00 -6.89 -0.01 -2.85 29 -29 -0.02 0.13
Non-Cash Adjustments to Reconcile Net Income		 -3.99 0.63 1.29 -4.90 7.49 -0.36 0.06 18 32 8.38 17
Changes in Operating Assets and Liabilities, net		 34 -2.62 -8.72 14 -5.40 -23 -3.37 19 -0.22 -33 48
Net Cash From Investing Activities		 -28 -284 -466 83 -282 -306 -362 -194 -293 -224 -576
Net Cash From Continuing Investing Activities		 -28 -284 -466 83 -282 -306 -362 -194 -293 -224 -576
Purchase of Property, Leasehold Improvements and Equipment		 -1.00 -1.08 -1.04 -3.58 1.05 -1.47 -1.60 -1.84 -1.03 -2.93 -2.85
Purchase of Investment Securities		 -398 -433 -944 -12 -777 -402 -489 -390 -532 -293 -682
Sale and/or Maturity of Investments		 371 150 479 98 494 97 129 198 240 72 109
Net Cash From Financing Activities		 2.44 -450 243 316 831 1,231 -1,344 115 47 363 32
Net Cash From Continuing Financing Activities		 2.44 -450 243 316 831 1,231 -1,344 115 47 363 32
Net Change in Deposits		 131 -522 508 -113 397 886 -567 245 112 267 62
Payment of Dividends		 -15 -16 -16 -16 -16 -18 -18 -18 -18 21 -62
Other Financing Activities, Net		 -113 89 -248 446 451 364 -759 -111 -17 75 32
Cash Interest Paid		 125 125 123 132 119 117 117 117 103 94 96
Cash Income Taxes Paid		 - 6.98 20 6.43 11 3.13 33 1.74 -2.83 0.29 5.19

Annual Balance Sheets for ServisFirst Bancshares

This table presents ServisFirst Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 5,096 6,370 7,082 8,007 8,948 11,933 15,449 14,596 16,130 17,352 17,727
Cash and Due from Banks		 47 57 86 98 79 94 57 106 123 116 95
Restricted Cash		 4.95 1.02 - - - 0.00 - 7.73 10 11 12
Federal Funds Sold		 35 160 240 224 100 1.77 58 1.52 101 1.05 6.05
Interest Bearing Deposits at Other Banks		 271 567 152 361 452 2,116 4,107 708 1,907 2,259 1,027
Trading Account Securities		 370 485 539 590 760 887 1,306 1,679 1,883 1,876 2,228
Loans and Leases, Net of Allowance		 4,173 4,860 5,792 6,465 7,185 8,378 9,416 11,542 11,506 12,441 13,525
Loans and Leases		 4,216 4,912 5,851 6,533 7,261 8,466 9,533 11,688 11,659 12,606 13,697
Allowance for Loan and Lease Losses		 43 52 59 69 77 88 117 146 153 164 172
Loans Held for Sale		 8.25 4.68 4.46 0.12 6.31 14 1.11 1.61 5.07 9.21 12
Accrued Investment Income		 14 16 21 24 26 37 35 48 59 63 62
Premises and Equipment, Net		 19 40 59 58 56 55 60 60 59 59 60
Goodwill		 - - - - - - - 14 14 14 14
Other Assets		 138 165 175 174 269 336 395 428 463 501 686
Total Liabilities & Shareholders' Equity		 5,096 6,370 7,082 8,007 8,948 11,933 15,449 14,596 16,130 17,352 17,727
Total Liabilities		 4,646 5,848 6,475 7,292 8,105 10,940 14,297 13,298 14,689 15,735 15,877
Non-Interest Bearing Deposits		 1,053 1,282 1,440 1,557 1,750 2,789 4,800 3,321 2,643 2,620 2,684
Interest Bearing Deposits		 3,170 4,139 4,651 5,358 5,781 7,187 7,653 8,225 10,630 10,924 11,535
Federal Funds Purchased and Securities Sold		 352 356 302 289 471 852 1,712 1,619 1,257 1,994 1,472
Short-Term Debt		 - - - 65 65 65 65 65 65 65 35
Other Long-Term Liabilities		 12 12 12 13 27 48 54 68 94 133 151
Total Equity & Noncontrolling Interests		 449 523 608 715 843 993 1,152 1,298 1,440 1,617 1,850
Total Preferred & Common Equity		 449 523 607 715 842 992 1,152 1,297 1,440 1,616 1,850
Preferred Stock		 0.00 0.00 0.00 - 0.00 0.00 - 0.00 0.00 0.00 0.00
Total Common Equity		 449 523 607 715 842 992 1,152 1,297 1,440 1,616 1,850
Common Stock		 212 216 218 219 220 224 226 230 233 236 238
Retained Earnings		 234 307 390 501 617 748 911 1,110 1,255 1,413 1,614
Accumulated Other Comprehensive Income / (Loss)		 3.05 -0.62 -0.20 -4.74 5.75 20 14 -42 -48 -32 -1.79
Noncontrolling Interest		 0.38 0.38 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50

Quarterly Balance Sheets for ServisFirst Bancshares

This table presents ServisFirst Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 14,567 15,073 16,044 15,722 16,050 16,449 18,637 17,379 17,584 18,171 18,345
Cash and Due from Banks		 139 107 112 79 136 142 122 141 144 101 115
Restricted Cash		 - 7.31 10 11 11 11 12 12 12 12 12
Federal Funds Sold		 6.48 18 91 171 11 3.54 9.32 6.00 10 19 1.00
Interest Bearing Deposits at Other Banks		 725 852 1,862 1,202 1,130 1,614 3,219 1,236 1,191 1,218 1,090
Trading Account Securities		 1,647 2,052 1,885 1,942 1,942 1,868 1,906 2,242 2,278 2,184 1,881
Loans and Leases, Net of Allowance		 0.00 11,453 11,489 11,725 12,175 12,177 12,722 13,063 13,142 13,772 14,297
Loans and Leases		 - 11,605 11,641 11,881 12,333 12,338 12,887 13,233 13,312 13,946 14,478
Allowance for Loan and Lease Losses		 - 152 152 156 158 161 165 170 170 174 182
Loans Held for Sale		 1.65 - - 7.59 11 8.45 11 22 9.43 13 15
Accrued Investment Income		 51 50 57 61 63 62 70 62 64 70 62
Premises and Equipment, Net		 60 60 60 59 59 61 59 60 61 62 64
Goodwill		 - - 14 14 14 14 14 14 14 14 14
Other Assets		 442 460 465 451 498 488 493 521 660 707 795
Total Liabilities & Shareholders' Equity		 14,567 15,073 16,044 15,722 16,050 16,449 18,637 17,379 17,584 18,171 18,345
Total Liabilities		 13,227 13,709 14,643 14,246 14,539 14,879 16,968 15,657 15,803 16,259 16,367
Non-Interest Bearing Deposits		 2,899 2,855 2,621 2,628 2,475 2,576 2,648 2,632 2,599 2,837 2,995
Interest Bearing Deposits		 8,717 9,433 10,521 10,124 10,784 10,570 11,781 11,230 11,508 11,650 11,553
Federal Funds Purchased and Securities Sold		 1,480 1,298 1,370 1,345 1,097 1,543 2,358 1,599 1,488 1,547 1,579
Short-Term Debt		 65 - - - 65 65 65 65 65 35 35
Other Long-Term Liabilities		 45 58 66 84 118 125 116 131 143 191 204
Total Equity & Noncontrolling Interests		 1,340 1,363 1,401 1,476 1,511 1,570 1,669 1,722 1,782 1,913 1,978
Total Preferred & Common Equity		 1,339 1,363 1,401 1,476 1,510 1,570 1,668 1,721 1,781 1,912 1,978
Preferred Stock		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Common Equity		 1,339 1,363 1,401 1,476 1,510 1,570 1,668 1,721 1,781 1,912 1,978
Common Stock		 230 231 232 234 235 236 236 237 237 239 239
Retained Earnings		 1,153 1,191 1,229 1,289 1,322 1,366 1,458 1,501 1,548 1,676 1,741
Accumulated Other Comprehensive Income / (Loss)		 -43 -59 -60 -47 -47 -32 -25 -16 -4.24 -2.68 -2.52
Noncontrolling Interest		 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50

Annual Metrics And Ratios for ServisFirst Bancshares

This table displays calculated financial ratios and metrics derived from ServisFirst Bancshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 54,621,834.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 54,621,834.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 5.06
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.23 $1.55 $1.76 $2.57 $0.00 $3.15 $3.83 $4.63 $3.80 $4.17 $5.06
Adjusted Weighted Average Basic Shares Outstanding		 52.29M 52.76M 53.08M 53.48M 0.00 54.09M 54.27M 54.40M 54.49M 54.58M 54.64M
Adjusted Diluted Earnings per Share		 $1.20 $1.52 $1.72 $2.53 $0.00 $3.13 $3.82 $4.61 $3.79 $4.16 $5.06
Adjusted Weighted Average Diluted Shares Outstanding		 52.29M 52.76M 53.08M 53.48M 0.00 54.09M 54.27M 54.40M 54.49M 54.58M 54.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 52.29M 52.76M 53.08M 53.48M 0.00 54.09M 54.27M 54.40M 54.49M 54.58M 54.64M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for ServisFirst Bancshares

This table displays calculated financial ratios and metrics derived from ServisFirst Bancshares' official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 54,621,834.00 54,640,525.00 54,662,823.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 54,621,834.00 54,640,525.00 54,662,823.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 1.58 1.52 1.57
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -15.68% -2.89% 4.49% 14.69% 21.00% 18.34% 15.11% 10.20% - 20.60% 27.57%
EBITDA Growth		 -26.61% -10.54% -10.55% 43.22% 17.52% 35.22% 10.61% 46.90% - 27.28% 34.09%
EBIT Growth		 -43.86% -14.31% 2.91% 16.95% 68.07% 30.44% 15.04% 8.90% - 27.66% 39.88%
NOPAT Growth		 -37.87% -13.71% -2.49% 12.31% 54.90% 26.38% 17.81% 9.45% - 31.23% 39.67%
Net Income Growth		 -37.87% -13.71% -2.49% 12.31% 54.90% 26.38% 17.81% 9.45% - 31.23% 39.67%
EPS Growth		 -37.90% -13.21% -3.06% 12.24% 54.55% 26.09% 17.89% 9.09% - 31.03% 40.18%
Operating Cash Flow Growth		 19.94% -3.04% 25.84% 560.61% -26.26% -10.32% 40.09% 67.69% - 46.27% 141.29%
Free Cash Flow Firm Growth		 -28.48% 93.65% 93.09% 92.29% -10.71% -51.61% -57.72% -33.82% - -0.79% 5.97%
Invested Capital Growth		 10.46% 9.65% 10.30% 11.52% 11.72% 12.52% 13.41% 12.93% - 12.32% 12.69%
Revenue Q/Q Growth		 1.14% 2.06% 3.11% 7.76% 6.71% -0.11% 0.21% 3.16% - -1.99% 6.00%
EBITDA Q/Q Growth		 10.91% 64.50% 0.63% 24.78% -8.99% 13.11% -10.12% 45.17% - 27.14% 6.18%
EBIT Q/Q Growth		 -23.69% 28.40% 9.83% 8.69% 9.66% -0.35% -3.14% 2.89% - -6.17% 6.13%
NOPAT Q/Q Growth		 -21.12% 18.90% 4.22% 14.91% 8.79% -2.99% -2.85% 6.75% - -3.95% 3.40%
Net Income Q/Q Growth		 -21.12% 18.90% 4.22% 14.91% 8.79% -2.99% -2.85% 6.75% - -3.95% 3.40%
EPS Q/Q Growth		 -21.43% 19.48% 3.26% 15.79% 8.18% -2.52% -3.45% 7.14% - -3.80% 3.29%
Operating Cash Flow Q/Q Growth		 616.13% -41.29% -9.77% 74.14% -20.06% -28.61% 40.96% 108.44% - -28.98% 132.53%
Free Cash Flow Firm Q/Q Growth		 92.89% 14.87% -11.06% -14.74% -2.05% -16.59% -15.54% 2.65% - -11.50% -7.79%
Invested Capital Q/Q Growth		 2.66% 2.37% 2.24% 3.79% 2.84% 3.10% 3.05% 3.35% - 3.30% 3.38%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 57.40% 57.84% 56.45% 65.37% 55.75% 63.12% 56.62% 79.67% - 64.29% 64.40%
EBIT Margin		 43.30% 54.48% 58.03% 58.53% 60.14% 60.00% 57.99% 57.84% - 63.51% 63.58%
Profit (Net Income) Margin		 38.58% 44.94% 45.43% 48.44% 49.38% 47.96% 46.50% 48.11% - 52.19% 50.91%
Tax Burden Percent		 89.09% 82.50% 78.29% 82.77% 82.11% 79.94% 80.18% 83.19% - 82.18% 80.06%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00% 100.00%
Effective Tax Rate		 10.91% 17.50% 21.71% 17.23% 17.89% 20.06% 19.82% 16.81% - 17.82% 19.94%
Return on Invested Capital (ROIC)		 11.87% 13.37% 13.40% 14.33% 14.93% 14.71% 14.37% 14.71% - 16.72% 16.77%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.87% 13.37% 13.40% 14.33% 14.93% 14.71% 14.37% 14.71% - 16.72% 16.77%
Return on Net Nonoperating Assets (RNNOA)		 0.56% 0.62% 0.60% 0.62% 0.63% 0.61% 0.58% 0.57% - 0.46% 0.45%
Return on Equity (ROE)		 12.44% 13.98% 14.00% 14.96% 15.56% 15.31% 14.94% 15.28% - 17.18% 17.23%
Cash Return on Invested Capital (CROIC)		 4.49% 4.30% 3.36% 2.27% 3.19% 2.91% 2.29% 2.53% - 4.49% 4.95%
Operating Return on Assets (OROA)		 1.24% 1.58% 1.65% 1.65% 1.73% 1.75% 1.80% 1.81% - 2.03% 2.23%
Return on Assets (ROA)		 1.11% 1.30% 1.29% 1.37% 1.42% 1.40% 1.45% 1.50% - 1.67% 1.78%
Return on Common Equity (ROCE)		 12.43% 13.98% 14.00% 14.95% 15.56% 15.31% 14.94% 15.27% - 17.18% 17.22%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 13.48% 13.08% 13.00% 0.00% 14.41% 14.51% 14.34% - 15.50% 16.22%
Net Operating Profit after Tax (NOPAT)		 42 50 52 60 65 63 61 66 - 83 86
NOPAT Margin		 38.58% 44.94% 45.43% 48.44% 49.38% 47.96% 46.50% 48.11% - 52.19% 50.91%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
SG&A Expenses to Revenue		 31.84% 30.28% 30.71% 29.83% 27.41% 26.05% 25.82% 27.32% - 24.11% 22.67%
Operating Expenses to Revenue		 53.42% 41.60% 37.31% 36.90% 35.15% 34.97% 33.46% 35.22% - 29.80% 29.65%
Earnings before Interest and Taxes (EBIT)		 47 61 67 72 79 79 77 79 - 101 107
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 63 64 65 81 74 83 75 109 - 102 109
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.48 2.44 2.27 2.78 2.85 2.69 2.45 2.46 - 2.07 2.39
Price to Tangible Book Value (P/TBV)		 2.50 2.46 2.29 2.81 2.87 2.71 2.47 2.48 - 2.09 2.40
Price to Revenue (P/Rev)		 8.08 8.22 7.74 9.53 9.56 8.94 8.11 8.23 - 6.71 7.54
Price to Earnings (P/E)		 17.24 18.10 17.36 21.42 20.27 18.68 16.88 17.16 - 13.36 14.72
Dividend Yield		 1.74% 1.76% 1.84% 1.47% 1.42% 1.50% 1.65% 1.63% - 1.91% 1.66%
Earnings Yield		 5.80% 5.53% 5.76% 4.67% 4.93% 5.35% 5.92% 5.83% - 7.48% 6.79%
Enterprise Value to Invested Capital (EV/IC)		 0.99 1.43 1.40 1.63 1.36 0.69 1.61 1.67 - 1.36 1.76
Enterprise Value to Revenue (EV/Rev)		 3.38 5.03 4.98 5.81 4.74 2.38 5.55 5.80 - 4.48 5.65
Enterprise Value to EBITDA (EV/EBITDA)		 5.66 9.12 9.43 10.32 8.05 3.91 9.23 8.90 - 7.17 8.92
Enterprise Value to EBIT (EV/EBIT)		 6.09 9.39 9.33 10.79 8.18 4.01 9.38 9.84 - 7.26 8.97
Enterprise Value to NOPAT (EV/NOPAT)		 7.20 11.07 11.16 13.05 10.04 4.96 11.55 12.09 - 8.92 11.03
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.55 11.26 10.73 9.62 9.02 4.82 10.81 9.54 - 7.01 7.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 23.16 34.75 43.70 75.54 44.86 25.09 74.90 70.17 - 31.97 37.61
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.02 0.02
Long-Term Debt to Equity		 0.00 0.04 0.00 0.00 0.04 0.00 0.00 0.00 - 0.00 0.00
Financial Leverage		 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 - 0.03 0.03
Leverage Ratio		 11.22 10.76 10.83 10.93 10.95 10.93 10.34 10.15 - 10.28 9.65
Compound Leverage Factor		 11.22 10.76 10.83 10.93 10.95 10.93 10.34 10.15 - 10.28 9.65
Debt to Total Capital		 4.30% 4.20% 4.11% 3.96% 3.85% 3.73% 3.62% 3.51% - 1.78% 1.73%
Short-Term Debt to Total Capital		 4.30% 0.00% 4.11% 3.96% 0.00% 3.73% 3.62% 3.51% - 1.78% 1.73%
Long-Term Debt to Total Capital		 0.00% 4.20% 0.00% 0.00% 3.85% 0.00% 0.00% 0.00% - 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% - 0.03% 0.02%
Common Equity to Total Capital		 95.67% 95.77% 95.86% 96.01% 96.12% 96.24% 96.35% 96.47% - 98.19% 98.25%
Debt to EBITDA		 0.25 0.27 0.28 0.25 0.23 0.21 0.21 0.19 - 0.09 0.09
Net Debt to EBITDA		 -7.88 -5.79 -5.23 -6.61 -8.19 -10.80 -4.26 -3.73 - -3.57 -2.99
Long-Term Debt to EBITDA		 0.00 0.27 0.00 0.00 0.23 0.00 0.00 0.00 - 0.00 0.00
Debt to NOPAT		 0.31 0.33 0.33 0.32 0.28 0.27 0.26 0.25 - 0.12 0.11
Net Debt to NOPAT		 -10.04 -7.03 -6.19 -8.36 -10.22 -13.71 -5.33 -5.06 - -4.44 -3.69
Long-Term Debt to NOPAT		 0.00 0.33 0.00 0.00 0.28 0.00 0.00 0.00 - 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.04% 0.04% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% - 0.03% 0.03%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -100 -86 -95 -109 -111 -130 -150 -146 - -131 -141
Operating Cash Flow to CapEx		 9,081.16% 4,965.00% 4,648.46% 2,344.39% 0.00% 3,264.40% 4,222.11% 7,669.95% - 2,394.74% 5,730.92%
Free Cash Flow to Firm to Interest Expense		 -0.79 -0.69 -0.78 -0.82 -0.92 -1.10 -1.30 -1.24 - -1.40 -1.49
Operating Cash Flow to Interest Expense		 0.72 0.43 0.40 0.63 0.56 0.41 0.59 1.20 - 0.75 1.73
Operating Cash Flow Less CapEx to Interest Expense		 0.71 0.42 0.39 0.61 0.57 0.40 0.57 1.18 - 0.72 1.70
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 - 0.03 0.04
Fixed Asset Turnover		 7.41 7.34 7.45 7.59 8.13 8.46 8.72 8.72 - 9.71 10.13
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,505 1,541 1,575 1,635 1,682 1,734 1,787 1,846 - 1,947 2,013
Invested Capital Turnover		 0.31 0.30 0.30 0.30 0.30 0.31 0.31 0.31 - 0.32 0.33
Increase / (Decrease) in Invested Capital		 143 136 147 169 176 193 211 211 - 214 227
Enterprise Value (EV)		 1,490 2,202 2,205 2,664 2,282 1,194 2,885 3,088 - 2,644 3,538
Market Capitalization		 3,566 3,599 3,428 4,371 4,604 4,490 4,215 4,380 - 3,959 4,721
Book Value per Share		 $26.45 $27.08 $27.70 $28.79 $29.63 $30.57 $31.52 $32.61 - $34.99 $36.18
Tangible Book Value per Share		 $26.20 $26.83 $27.45 $28.54 $29.38 $30.32 $31.27 $32.36 - $34.74 $35.93
Total Capital		 1,505 1,541 1,575 1,635 1,682 1,734 1,787 1,846 - 1,947 2,013
Total Debt		 65 65 65 65 65 65 65 65 - 35 35
Total Long-Term Debt		 0.00 65 0.00 0.00 65 0.00 0.00 0.00 - 0.00 0.00
Net Debt		 -2,077 -1,397 -1,223 -1,707 -2,323 -3,297 -1,331 -1,293 - -1,315 -1,184
Capital Expenditures (CapEx)		 1.00 1.08 1.04 3.58 -1.05 1.47 1.60 1.84 - 2.93 2.85
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)		 65 65 65 65 65 65 65 65 - 35 35
Total Depreciation and Amortization (D&A)		 15 3.74 -1.81 8.46 -5.80 4.12 -1.81 30 - 1.25 1.38
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.77 $0.92 $0.96 $1.10 $1.19 $1.16 $1.12 $1.20 $1.58 $1.52 $1.57
Adjusted Weighted Average Basic Shares Outstanding		 54.49M 54.51M 54.53M 54.55M 54.58M 54.61M 54.62M 54.62M 54.64M 54.66M 54.67M
Adjusted Diluted Earnings per Share		 $0.77 $0.92 $0.95 $1.10 $1.19 $1.16 $1.12 $1.20 $1.58 $1.52 $1.57
Adjusted Weighted Average Diluted Shares Outstanding		 54.49M 54.51M 54.53M 54.55M 54.58M 54.61M 54.62M 54.62M 54.64M 54.66M 54.67M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 54.49M 54.51M 54.53M 54.55M 54.58M 54.61M 54.62M 54.62M 54.64M 54.66M 54.67M
Normalized Net Operating Profit after Tax (NOPAT)		 42 50 52 60 65 63 61 66 - 83 86
Normalized NOPAT Margin		 38.58% 44.94% 45.43% 48.44% 49.38% 47.96% 46.50% 48.11% - 52.19% 50.91%
Pre Tax Income Margin		 43.30% 54.48% 58.03% 58.53% 60.14% 60.00% 57.99% 57.84% - 63.51% 63.58%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.37 0.49 0.55 0.54 0.66 0.67 0.67 0.67 - 1.08 1.14
NOPAT to Interest Expense		 0.33 0.40 0.43 0.45 0.54 0.54 0.53 0.56 - 0.89 0.91
EBIT Less CapEx to Interest Expense		 0.36 0.48 0.54 0.52 0.67 0.66 0.65 0.65 - 1.05 1.11
NOPAT Less CapEx to Interest Expense		 0.32 0.39 0.42 0.42 0.55 0.53 0.52 0.54 - 0.86 0.88
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.13% 23.58% 24.30% 31.52% 28.81% 28.04% 27.77% 27.92% - 11.54% 24.38%
Augmented Payout Ratio		 22.13% 23.58% 24.30% 31.52% 28.81% 28.04% 27.77% 27.92% - 11.54% 24.38%

Financials Breakdown Chart

Key Financial Trends

ServisFirst Bancshares’ latest quarter shows a bank that is still profitable and growing, but with some signs that funding costs and balance sheet volatility are becoming more important to watch. In Q1 2026, net income came in at $82.9 million, down slightly from $86.4 million in Q4 2025, while diluted EPS held steady at $1.52 versus $1.58 the prior quarter.

Over the last four years, the company has generally expanded its loan book, deposits, and equity base. However, the trend in recent quarters suggests pressure on net interest income from higher deposit costs and a more mixed funding profile. The bank also remains solidly profitable, and operating cash flow stayed positive in Q1 2026.

  • Profitability remains strong: Q1 2026 net income of $82.9 million was healthy, and ServisFirst has continued to post consistent quarterly profits over the past several years.
  • Loan portfolio continues to grow: Loans and leases rose to $13.95 billion in Q1 2026 from $12.88 billion in Q1 2025, showing continued balance sheet expansion.
  • Equity base strengthened: Total common equity increased to $1.91 billion in Q1 2026 from $1.67 billion a year earlier, giving the bank more capital cushion.
  • Operating cash flow stayed positive: Q1 2026 operating cash flow was $70.1 million, supporting dividend payments and ongoing operations.
  • Deposits remain substantial: Total deposits were still well above $14.5 billion in Q1 2026, providing a large funding base.
  • Dividend appears covered: The company paid $0.38 per share in common dividends in Q1 2026 while remaining profitable and cash flow positive.
  • Net interest income eased modestly: Q1 2026 net interest income was $148.1 million, down from $146.5 million in Q4 2025 and below the stronger quarters seen in 2024.
  • Asset mix changed significantly: Trading account securities were very large at $2.18 billion in Q1 2026, so the balance sheet remains more securities-heavy than some investors may prefer.
  • Deposit costs remain elevated: Q1 2026 deposit interest expense was $78.3 million, which continues to weigh on margin pressure compared with earlier periods.
  • Quarterly net change in cash was positive but volatile: While Q1 2026 cash increased by $209.9 million, prior quarters showed large swings, including a sharp decline in Q2 2025, highlighting funding volatility.

Looking at the longer trend, ServisFirst’s revenue and earnings have grown meaningfully since 2023, but not in a straight line. In 2024 and 2025, interest income rose, yet expense pressure also rose, and non-interest income has been uneven. That makes future earnings growth more dependent on deposit pricing discipline, loan growth quality, and credit performance.

From a retail investor perspective, SFBS still looks like a financially sound regional bank with strong earnings power and a growing equity base. The main risk is that margin pressure from higher funding costs could limit upside if loan yields or fee income do not keep pace.

08/10/26 04:35 PM ETAI Generated. May Contain Errors.

ServisFirst Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, ServisFirst Bancshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

ServisFirst Bancshares' net income appears to be on an upward trend, with a most recent value of $276.60 million in 2025, rising from $63.54 million in 2015. The previous period was $227.24 million in 2024. See ServisFirst Bancshares' forecast for analyst expectations on what's next for the company.

Over the last 10 years, ServisFirst Bancshares' total revenue changed from $175.85 million in 2015 to $562.43 million in 2025, a change of 219.8%.

ServisFirst Bancshares' total liabilities were at $15.88 billion at the end of 2025, a 0.9% increase from 2024, and a 241.7% increase since 2015.

In the past 10 years, ServisFirst Bancshares' cash and equivalents has ranged from $46.61 million in 2015 to $123.43 million in 2023, and is currently $95.13 million as of their latest financial filing in 2025.


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Financial statements for NYSE:SFBS last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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