ServisFirst Bancshares (SFBS) Investor presentation summary

Company overview and growth

• Achieved 24% CAGR in assets since 2005, reaching $17.38 billion in assets and $1.72 billion in equity as of June 30, 2025.

• Maintains high efficiency with a 34.22% efficiency ratio and 1.42% ROAA for the first half of 2025.

• Gross loans and deposits have grown at 14% and 15% CAGRs over the past decade.

• Net income for common shareholders and diluted EPS have grown at 16% and 15% CAGRs, respectively, over the last 10 years.

• NPAs/assets and NPLs/loans remain low at 0.42% and 0.55%.

Business strategy and expansion

• Operates a simple, scalable, and decentralized model focused on loans and deposits, with limited branches and strong technology integration.

• Regional CEOs drive revenue and expansion, targeting high-growth metropolitan markets.

• Focuses on core deposits and C&I lending, with disciplined, opportunistic expansion in the Southeast.

• Targets professional banking services for mid-market commercial clients underserved by larger banks.

• Sets high performance standards and emphasizes hiring top bankers in each market.

Financial performance and shareholder value

• Tangible book value has increased by at least 10% annually since 2005, with a 19-year CAGR of 17%.

• Stock price has grown over 5,000% since inception, with a 19-year CAGR of 23%.

• Dividend has increased every year since the 2014 IPO, with a 5-year CAGR of 15%.

• Achieved consistent profitability every quarter since 2005.

• Reached $18 billion in assets by 2025, with significant milestones in asset growth.