NYSE$SFBS

ServisFirst Bancshares Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

ServisFirst Bancshares reported Q3 2025, revenue of $185M, net income of $45M, diluted EPS of $1.25.

For Q3 2025, ServisFirst Bancshares reported revenue of $185M, net income of $45M, diluted EPS was $1.25. Management discusses operating trends, capital, and sector risks in the quarterly filing.

  • Revenue $185M.
  • Net income $45M.
  • Diluted EPS $1.25.
  • ServisFirst Bancshares MD&A highlights liquidity, capital, and core trends.
  • Segment and macro factors shape year-over-year comparisons.

Headline financials

Total Revenue

$136M

Previous: $124M+10.2%
EPS (adj)

$1.25

Previous: $1.10+13.6%
Net Interest Margin

3.1%

Previous: 2.8%+8.8%
Return on Average Assets

1.5%

Previous: 1.4%+2.8%
Return on Average Common Stockholders' Equity

14.9%

Previous: 15.6%-4.3%
Efficiency Ratio

35.2%

Previous: 36.9%-4.6%
Non-performing Assets to Total Assets

1.0%

Previous: 0.3%+284.0%
Net Charge-offs to Total Average Loans

0.3%

Previous: 0.1%+200.0%
Common Equity Tier 1 Capital to Risk-Weighted Assets

11.5%

Previous: 11.3%+2.1%
Tier 1 Capital to Risk-Weighted Assets

11.5%

Previous: 11.3%+2.2%
Total Capital to Risk-Weighted Assets

12.9%

Previous: 12.8%+1.1%
Tier 1 Capital to Average Assets

10.0%

Previous: 9.5%+4.9%
Tangible Common Equity to Total Tangible Assets

10.1%

Previous: 9.5%+6.2%
Allowance for Credit Losses to Total Loans

1.3%

Previous: 1.3%-1.5%
Allowance for Credit Losses to Total Average Loans

1.3%

Previous: 1.3%-0.8%
Provision for Credit Losses to Total Average Loans

0.3%

Previous: 0.2%+64.7%
Nonperforming Loans to Total Loans

1.3%

Previous: 0.3%+293.7%
Nonperforming Assets to Earning Assets

1.0%

Previous: 0.3%+284.6%
Allowance for Credit Losses to Nonaccrual Loans

102.1%

Previous: 433.6%-76.4%
Adjusted Return on Average Assets

1.6%

Previous: 1.4%+11.9%
Adjusted Return on Average Common Stockholders' Equity

16.2%

Previous: 15.6%+4.2%
Adjusted Efficiency Ratio

33.3%

Previous: 36.9%-9.7%
Cost of Interest-Bearing Deposits

3.4%

Previous: 4.1%-17.2%
Net Income

$65.6M

Previous: $59.9M+9.5%
Operating Income

$78.8M

Previous: -$29.5M+367.4%

Revenue & EPS history

ServisFirst · Revenue · Quarterly

$136M

Q3 2025+10.2%vs Q3 2024
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

Regional and money-center banks emphasize net interest margin, credit quality, and capital returns.

Tailwinds

  • Net interest income and deposit mix optimization.
  • Fee income from payments and wealth.
  • Capital ratios supporting dividends and buybacks.

Headwinds

  • Commercial real estate and consumer credit risk.
  • Deposit competition and funding costs.
  • Rate path uncertainty on NIM.

Historical earnings impact

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

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+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
Q2 2026———
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 2010———
Q4 2011———
Q4 2009———
Q3 2011———
Q3 2010———
Q2 2011———
Q2 2010———
Q1 2010———

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