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 20 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
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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