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ServisFirst Bancshares
ServisFirst Bancshares (SFBS) investor relations material
ServisFirst Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Q4 diluted EPS was $1.58, up 33% year-over-year and 32% sequentially; full-year EPS was $5.25 (operating) and $5.06 (GAAP), both up over 22% year-over-year.
Net income for Q4 was $86.4 million, up 32.5% year-over-year.
Achieved strong loan growth with annualized 12% increase in Q4 and robust C&I loan expansion, with optimism for continued improvement in 2026.
Managed down high-cost deposits and grew total deposits by 5% year-over-year, while maintaining strong liquidity and no reliance on brokered deposits or FHLB debt.
Expanded into Texas with a new, experienced banking team, expecting this region to drive the highest growth in 2026.
Financial highlights
Net interest margin expanded from 2.92% in Q1 to 3.38% in Q4, up 42 bps year-over-year, driven by disciplined loan pricing and deposit rate reductions.
Net interest income for Q4 was $146.5 million, up from $123.2 million in Q4 2024.
Non-interest revenue rose 12% for the year, with service charges up 26% and mortgage banking fee income up 11% year-over-year.
Non-interest income rose 78.2% year-over-year to $15.7 million, driven by BOLI income.
Cash dividend increased 13% to $0.38 per share.
Outlook and guidance
Expect continued margin expansion in 2026, supported by $2 billion in loan repricing opportunities and aggressive deposit cost management.
Efficiency ratio projected to be between 30% and 33% in 2026 as Texas expansion ramps up.
High single-digit expense growth anticipated for 2026, with new hires focused on revenue generation.
Management expects continued focus on net interest margin expansion and disciplined expense controls to drive solid financial performance in 2026.
Texas region budgeted for the highest growth among all regions in 2026, primarily in C&I lending.
Explain NIM expansion despite falling loan yields
Update on large real estate impaired relationship
Non-interest income outlook sans BOLI gain
Texas team's path to efficiency ratio neutrality
Detail 2026 NIM expansion drivers beyond rate cuts
Status of multifamily workforce housing NPLs
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Next ServisFirst Bancshares earnings date
Q1 202620 Apr, 2026
ServisFirst Bancshares
Next ServisFirst Bancshares earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. ServisFirst Bancshares offers a range of deposit services, including checking, savings, money market savings accounts, fixed-rate and adjustable-rate investment certificates, NOW accounts, or share draft accounts; and award-winning Internet banking services. It also provides personal loans to consumers; home equity lines of credit to real estate investors and homebuyers through its mortgage lending subsidiaries; whole loan participations to small commercial borrowers; a range of financial services products for small businesses, including equipment financing and working capital loans; small business deposit services through its subsidiary ServisFirst Federal Credit Union. In addition, the company operates an online virtual branch office offering full-service business checking accounts with credit cards and business debit cards to small businesses in Arkansas that are unable to receive such product offerings due to distance from traditional banks. ServisFirst Bancshares, Inc. is based in Birmingham, Alabama.
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