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ServisFirst Bancshares (SFBS) investor relations material

ServisFirst Bancshares Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary21 Jul, 2025

Executive summary

  • Net income for Q2 2025 was $61.4M, up 17.9% year-over-year, with diluted EPS of $1.12 and adjusted EPS up 27% to $1.21.

  • Net interest margin improved to 3.10% from 2.92% sequentially, with robust loan growth of 11% annualized and strong pipelines in C&I and CRE.

  • Deposits increased 2.4% since year-end to $13.86B, with average deposits up 8% year-over-year.

  • Focused on core deposit growth, merchant card processing expansion, and hiring new producers.

  • Liquidity remains robust with $1.7B in cash and equivalents, 10% of total assets, and no FHLB advances or brokered deposits.

Financial highlights

  • Net interest income was $131.7M, up $5.9M sequentially and $23M year-over-year; adjusted net interest income was $129.4M.

  • Return on average assets was 1.4%; return on common equity was 14.56%.

  • Efficiency ratio improved to 33.46% from 37.31% year-over-year; adjusted efficiency ratio at 31.94%.

  • Allowance for credit losses held steady at 1.28% of total loans; net charge-offs to average loans at 0.20%.

  • Tangible book value per share rose to $31.27, up 14% year-over-year.

Outlook and guidance

  • Management expects continued loan and deposit growth, with net interest margin projected to reach 3.20–3.25% by year-end absent Fed action.

  • Provision expense expected to normalize as loan growth continues and economic environment remains steady.

  • Anticipate a pickup in noninterest income in Q3 from increased treasury management fees and merchant services.

  • Asset repricing expected to drive higher net interest margins over the next 24 months.

  • No material changes in risk factors or business strategy reported for upcoming quarters.

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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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