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SFBS

ServisFirst Bancshares, Inc.

SFBS

ServisFirst Bancshares, Inc. • NYSE
$71.13 ▼ -0.22% (-0.16)
Market Cap $3.89 B
52w High $97.18
52w Low $66.48
Dividend Yield 1.34%
P/E 15.23
Volume 171.74K
Outstanding Shares 54.62M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $254.141M ▲ $47.996M ▲ $65.571M ▲ 25.801% ▲ $1.2 ▲ $79.948M ▲
Q2-2025 $247.056M ▼ $44.204M ▼ $61.424M ▼ 24.862% ▼ $1.12 ▼ $77.647M ▼
Q1-2025 $249.373M ▲ $46.107M ▲ $63.224M ▼ 25.353% ▼ $1.16 ▼ $80.316M ▼
Q4-2024 $248.636M ▼ $42.837M ▼ $65.173M ▲ 26.212% ▲ $1.19 ▲ $80.461M ▲
Q3-2024 $256.528M $45.632M $59.907M 23.353% $1.1 $73.835M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.722B ▼ $17.584B ▲ $15.803B ▲ $1.781B ▲
Q2-2025 $1.825B ▼ $17.379B ▼ $15.657B ▼ $1.721B ▲
Q1-2025 $3.798B ▲ $18.637B ▲ $16.968B ▲ $1.668B ▲
Q4-2024 $2.819B ▼ $17.352B ▲ $15.735B ▲ $1.616B ▲
Q3-2024 $2.896B $16.449B $14.879B $1.57B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $65.571M ▲ $140.897M ▲ $-193.709M ▲ $115.213M ▲ $62.401M ▲ $143.967M ▲
Q2-2025 $61.424M ▼ $67.596M ▲ $-362.196M ▼ $-1.344B ▼ $-1.639B ▼ $65.995M ▲
Q1-2025 $63.224M ▼ $47.954M ▼ $-305.982M ▼ $1.231B ▲ $973.086M ▲ $46.485M ▼
Q4-2024 $65.173M ▲ $67.168M ▼ $-281.895M ▼ $831.13M ▲ $616.403M ▲ $68.221M ▼
Q3-2024 $59.907M $84.023M $83.051M $316.392M $483.466M $80.439M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit Card
Credit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement ServisFirst has grown its revenue steadily over the past five years, showing that its core banking franchise is expanding. Profit levels are healthy and have generally risen over time, although peak earnings were a couple of years ago, with a slight pullback since then as margins have come under some pressure. This pattern is typical for banks navigating changing interest rate environments: still profitable, but not at prior peak levels. Overall, the income statement points to a mature, efficient bank that is still growing but facing a less generous margin backdrop than before.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, reflecting continued loan growth and a larger franchise. Equity has been building over time, which suggests the bank is retaining earnings and strengthening its capital base. Borrowings have increased as the bank has grown, but this is not unusual for a regional bank scaling its operations, as long as risk is managed carefully. Cash levels have moved around from year to year, indicating active balance sheet management rather than a simple straight-line build in liquidity.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive, which is important for a lender whose business depends on stable funding and credit performance. Free cash flow closely tracks operating cash flow, because the business does not require heavy spending on physical assets, a common trait for banks. This pattern points to a model that converts earnings into cash reasonably well, with no obvious signs of strain or large, recurring cash drains.

Competitive Edge

Competitive Edge ServisFirst positions itself as a highly efficient, relationship-focused regional bank, aimed mainly at privately owned businesses, professionals, and affluent clients. Its reputation for lean operations and quick, local decision-making gives it an edge against larger, more bureaucratic competitors. The correspondent banking division, where it effectively acts as a service provider to other community banks, adds a differentiated revenue stream and deepens its network. Key risks are that competition in commercial banking is intense, client relationships can be contested, and regulatory or credit cycles can quickly change the operating landscape for any regional bank.

Innovation and R&D

Innovation and R&D The company is not a headline-grabbing fintech innovator, but it has quietly built a modern, capable technology stack that supports its relationship-banking strategy. It offers the digital tools business clients expect and relies on partnerships with established technology providers for payments, open banking, and treasury services rather than building everything in-house. The presence of a board member with artificial-intelligence and data-marketing experience hints at future efforts in analytics-driven marketing, risk management, and customer personalization. The main question is whether ServisFirst can selectively adopt new technologies fast enough to stay relevant without diluting its disciplined, efficiency-first culture.

Summary

ServisFirst Bancshares shows a profile of a high-performing regional bank: solid revenue growth, strong absolute profitability, and a balance sheet that has scaled up while adding to its capital base. Its cash generation is steady and its operating model remains lean, which together provide resilience when interest rate or credit conditions turn less favorable. The bank’s competitive strength rests on disciplined efficiency and deep client relationships, supplemented by its correspondent banking niche, rather than on flashy, proprietary technology. The opportunity lies in leveraging technology and data to deepen those strengths, while the main risks are the usual bank exposures—credit cycles, funding costs, regulatory changes, and stiff competition in commercial and private banking markets.

NEWS

October 20, 2025 · 4:04 PM UTC

ServisFirst Bancshares, Inc. Announces Results For Third Quarter of 2025

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September 26, 2025 · 5:00 PM UTC

ServisFirst Bancshares, Inc. to Announce Third Quarter 2025 Financial Results October 20th

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September 15, 2025 · 4:19 PM UTC

ServisFirst Bancshares, Inc. Declares Third Quarter Cash Dividend

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