NYSE$SFBS

ServisFirst Bancshares Inc · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

ServisFirst Bancshares' earnings decreased compared to the previous year, but total assets and deposits increased, and credit quality remained strong.

ServisFirst Bancshares reported a decrease in net income and diluted earnings per share compared to the third quarter of 2022. However, total assets reached $16.0 billion, and total deposits increased to $13.1 billion. Credit quality remained strong, with non-performing assets to total assets at 0.15%.

  • Total assets reached $16.0 billion, a 9.9% increase year-to-date.
  • Total deposits were $13.1 billion, a 7% increase from the second quarter of 2023.
  • Diluted net income per share was $0.98 for the quarter.
  • Credit quality remained strong with non-performing assets to total assets of 0.15%.

Headline financials

Total Revenue

$108M

Previous: $135M-20.3%
EPS (adj)

$0.98

Previous: $1.22-19.7%
Net Interest Margin

2.6%

No prior period
Return on Average Assets

1.4%

Previous: 1.8%-22.6%
Efficiency Ratio

38.6%

Previous: 31.5%+22.5%
Non-performing Assets to Total Assets

0.1%

No prior period
Common Equity Tier 1 Capital to Risk-Weighted Assets

10.7%

No prior period
Capital Expenditures

$0.00

Previous: -$93K+100.0%
Free Cash Flow

$53.3M

Previous: $63.9M-16.6%
Net Income

$53.3M

Previous: $64M-16.7%
Operating Income

-$25.1M

Previous: $73.5M-134.1%
Gross Profit

$104M

Previous: $105M-1.3%
Cash & Equivalents

$2.07B

Previous: $249M+729.2%
Total Assets

$16B

Previous: $13.9B+15.5%
Stock-Based Comp

$929K

Previous: $804K+15.5%

Revenue & EPS history

ServisFirst · Revenue · Quarterly

$108M

Q3 2023-20.3%vs Q3 2022
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Revenue by segment

ServisFirst · $2.84M total across 2 segments · Q2 2023

  • Service Charges on Deposit Accounts
    $2.14M
  • Mortgage Banking
    $696K

Forward guidance

Bud Foshee, CFO, mentioned that the company continues to see strong asset quality with record low past dues, while loan pipelines and activity are beginning to rebuild, which should improve profitability in coming quarters.

Tailwinds

  • Strong asset quality
  • Record low past dues
  • Loan pipelines beginning to rebuild
  • Loan activity beginning to rebuild
  • Profitability should improve in coming quarters

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

+1.9%

Avg return

Earnings day

+1.0%

Avg return

5 days after

+3.8%

Avg return

30 days after

60%

29 / 48 earnings

Positive

+19.7%

Q2 2023

Best reaction

-12.9%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.7%+1.4%-0.9%
Q4 2025+15.1%+7.2%+13.7%
Q3 2025-7.3%-7.1%-11.2%
Q2 2025-1.7%+0.3%+1.1%
Q1 2025-0.0%+1.9%+5.7%
Q4 2024+2.7%+1.1%-0.1%
Q3 2024-1.4%-3.5%+8.2%
Q2 2024+17.0%+13.2%+7.9%
Q1 2024+4.0%+0.9%+6.5%
Q4 2023+4.8%-3.0%-6.9%
Q3 2023-1.9%-9.4%+0.3%
Q2 2023+19.7%+15.3%+19.9%
Q1 2023-0.5%+0.4%-9.1%
Q4 2022-9.7%-6.7%+1.9%
Q3 2022-12.9%-18.0%-10.6%
Q2 2022+2.0%+1.5%+16.5%
Q1 2022+5.1%+1.4%-4.5%
Q4 2021+2.5%+1.4%+3.2%
Q3 2021+5.4%+4.8%+11.1%
Q2 2021+2.7%+3.6%+6.4%
Q1 2021-2.1%+1.2%+7.2%
Q4 2020+1.1%-5.0%+17.9%
Q3 2020+3.7%+3.8%+3.4%
Q2 2020+7.2%+6.9%+8.6%
Q1 2020+2.7%+7.7%+10.7%
Q4 2019+8.8%+3.1%+9.5%
Q3 2019+5.4%+4.0%+8.4%
Q2 2019-3.8%-2.1%-10.7%
Q1 2019-2.5%-5.0%-6.3%
Q4 2018-1.9%-1.4%+3.7%
Q3 2018+2.2%-1.6%+5.2%
Q2 2018-4.5%-4.5%+0.2%
Q1 2018+5.7%+4.2%+4.4%
Q4 2017+2.4%+0.1%-1.0%
Q3 2017+3.1%+5.5%+1.1%
Q2 2017+0.3%+0.6%-4.9%
Q1 2017+6.1%+10.6%+6.1%
Q4 2016+2.9%+4.2%+7.9%
Q3 2016-2.7%+0.7%+22.2%
Q2 2016+3.6%+1.4%+0.4%
Q1 2016+5.5%
Q4 2015-0.7%
Q3 2015+4.2%
Q2 2015-1.8%
Q1 2015+2.1%
Q4 2014-0.8%
Q3 2014-0.1%
Q2 2014-0.3%
Q1 2014
Q4 2013
Q3 2013
Q2 2013
Q1 2013
Q4 2012
Q3 2012
Q2 2012
Q1 2011
Q1 2012
Q4 2011
Q4 2010
Q4 2009
Q3 2010
Q3 2011
Q2 2011
Q2 2010
Q1 2010

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