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ServisFirst Bancshares (SFBS) investor relations material
ServisFirst Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Net income for Q3 2025 was $65.6 million, with diluted EPS of $1.20 and adjusted diluted EPS of $1.30, up 18.2% year-over-year.
Normalized net income, adjusting for unique items, was $73.8 million or $1.35 per share.
All regions and markets were profitable, with newer offices reaching profitability for the first time.
Strong liquidity position with $1.77 billion in cash and no FHLB advances or brokered deposits.
Financial highlights
Net income grew 18% year-over-year, up more than $9 million from Q3 2024.
Book value per share rose to $32.62, up 13.3% year-over-year.
Net interest income (NII) was $133.4 million as reported; normalized NII was $137.8 million, up $8.4 million sequentially and $22.7 million year-over-year.
Net interest margin (NIM) was 3.09% as reported, 3.19% normalized; September's spot NIM was 3.28% excluding interest reversal.
Adjusted net income for the quarter was $71.4 million, up 19.2% year-over-year.
Outlook and guidance
Management expects continued margin expansion and solid earnings growth in Q4 2025, benefiting from further Fed rate cuts.
Non-interest expense is expected to remain at Q3 levels (~$48 million) in Q4, with efficiency ratio guidance in the low 30s.
Effective tax rate expected to remain at 18.9% for 2025 and below 20% going forward.
Anticipates strong loan closing activity in Q4, with a robust pipeline and declining payoff rates.
Large NPA's LTV after collateral?
Manage deposit costs with Fed rate cuts
Target new markets for expansion
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Next ServisFirst Bancshares earnings date
Q4 202526 Jan, 2026
Next ServisFirst Bancshares earnings date
Q4 202526 Jan, 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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