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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
ServisFirst Bancshares
ServisFirst Bancshares (SFBS) investor relations material
ServisFirst Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary19 Oct, 2026
Executive summary
Q3 net income was $87.3M and diluted EPS was $0.80; adjusted EPS grew 23% YoY, excluding the prior-year securities loss.
Net interest income rose 19.8% YoY to $159.8M, NIM reached 3.63%, and ending loans grew 10.7% YoY to $14.74B.
Financial highlights
Q3 PPNR was $120.7M, up 1.8% QoQ and 26% YoY on an adjusted basis; noninterest income was $13.1M and noninterest expense was $52.2M.
Q3 provision for credit losses was $15.2M, up from $9.5M a year earlier; 9M provision was $37.3M.
9M net income was $256.1M, net income available to common stockholders was $256.0M, and diluted EPS was $2.34.
September 30 assets were $18.32B, loans $14.74B, deposits $14.09B, and total equity $2.04B.
Outlook and guidance
Management expects NIM expansion to continue into 2027, with quarterly gains of 5–7 bps and a slower pace than earlier in 2026.
About $1.5B of low fixed-rate loans yielding 5.08% reprices within 12 months; Q3 renewals and new loans averaged 6.59%.
The less-than-90-day loan pipeline rose 58% QoQ; management expects strong year-end closings and typical Q4 deposit growth.
Normalized quarterly expenses are expected at $50–$51M; Houston startup losses are expected to decline, with break-even targeted in Q1 or Q2 2027.
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Latest events from ServisFirst Bancshares
- High growth, efficiency, and disciplined expansion drive strong financial performance.SFBS
Investor presentation - Net income and EPS up 40% year-over-year on strong loan growth and margin expansion.SFBSQ2 2026
- Sustained rapid growth, strong returns, and top national rankings highlight operational excellence.SFBSInvestor presentation
- Sustained double-digit growth, high efficiency, and strong credit quality in core southern markets.SFBSInvestor presentation
- Net income rose 31% to $83M, with EPS at $1.52 and strong loan and deposit growth.SFBSQ1 2026
- Board recommends approval of all proposals at the 2026 Annual Meeting, citing strong performance.SFBSProxy filing
- Key votes include director elections, executive pay approval, and auditor ratification.SFBSProxy filing
- Sustained high growth, efficiency, and asset quality with a strong Southeast commercial focus.SFBSInvestor presentation
- EPS up 26% to $1.16, with strong loan and deposit growth and improved efficiency.SFBSQ1 2025
Next ServisFirst Bancshares earnings date
Q4 202619 Jan, 2027
ServisFirst Bancshares
Next ServisFirst Bancshares earnings date
Q4 202619 Jan, 2027
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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.