Servisfirst Bancshares, Inc. · NYSE:SFBS
Servisfirst Bancshares — Q3 2026 Earnings Presentation
13 slides from Servisfirst Bancshares's earnings presentation, Oct 19, 2026
Slide 1: ServisFirst Bancshares Announces Results for Third Quarter of 2026
SERVISFIRST BANCSHARES, INC. ANNOUNCES RESULTS FOR THIRD QUARTER OF 2026 Birmingham, Ala. – (GLOBE NEWSWIRE) – October 19, 2026 – ServisFirst Bancshares, Inc. (NYSE: SFBS) today announced earnings and operating results for the quarter ended September 30, 2026. THIRD QUARTER 2026 HIGHLIGHTS AND FINAN
Slide 2: Financial Summary (Unaudited)
FINANCIAL SUMMARY (UNAUDITED) (in Thousands except per share data) % Change From % Change From Period Ended Period Ended June 30, 2026 to September 30, Period Ended Period Ended 2025 to Period September 30, Period Ended June September 30, Period Ended Ended 2026 30, 2026 2026 September 30, 2025 Sept
Slide 3: Detailed Financials
DETAILED FINANCIALS ServisFirst Bancshares, Inc. reported net income and net income available to common stockholders of $87.3 million for the quarter ended September 30, 2026, compared to $65.6 million for the third quarter of 2025. Basic and diluted earnings per common share were both $0.80 in the
Slide 4: Noninterest expense, efficiency ratio and tax rate
expenses increased $2.9 million, or 46.9%, to $8.9 million for the third quarter of 2026 from $6.1 million in the third quarter of 2025, and increased $2.2 million, or 33.2%, on a linked quarter basis. The efficiency ratio was 30.20% during the third quarter of 2026 compared to 35.22% during the thi
Slide 5: About ServisFirst Bancshares, Inc.
About ServisFirst Bancshares, Inc. ServisFirst Bancshares, Inc. (the “Company”) is a bank holding company based in Birmingham, Alabama. Through its subsidiary ServisFirst Bank (the “Bank”), the Company provides business and personal financial services from locations in Alabama, Florida, Georgia, Nor
Slide 6: Selected Financial Highlights (Unaudited)
SELECTED FINANCIAL HIGHLIGHTS (UNAUDITED) (in Thousands except per share data) 3rd Quarter 2026 2nd Quarter 2026 1st Quarter 2026 4th Quarter 2025 3rd Quarter 2025 CONSOLIDATED STATEMENT OF INCOME Interest income $ 257,353 $ 249,880 $ 241,480 $ 251,388 $ 251,308 Interest expense 97,539 94,243 93,332
Slide 7: GAAP Reconciliation and Management Explanation of Non-GAAP Financial Measures
GAAP Reconciliation and Management Explanation of Non-GAAP Financial Measures This press release contains the non-GAAP financial measures of tangible common stockholders’ equity, total tangible assets, tangible book value per share and tangible common equity to total tangible assets, each of which e
Slide 8: Non-GAAP reconciliation tables
Nine Months Three Months Ended Three Months Ended Nine Months Ended Ended September September 30, 2026 September 30, 2025 September 30, 2026 30, 2025 Adjusted diluted earnings per share - non-GAAP $ 0.80 $ 0.65 $ 2.34 $ 1.84 Net interest income, on a fully taxable-equivalent basis $ 159,885 $ 133,50
Slide 9: Consolidated Balance Sheets (Unaudited)
CONSOLIDATED BALANCE SHEETS (UNAUDITED) (in Thousands except per share data) September 30, September 30, 2026 2025 % Change ASSETS Cash and due from banks $ 122,417 $ 144,089 (15) % Interest-bearing balances due from depository institutions 738,547 1,191,447 (38) % Federal funds sold and securities
Slide 10: Consolidated Statements of Income (Unaudited)
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (In thousands except per share data) Three Months Ended Nine Months Ended 2026 September 30,2025 2026 2025 September 30, Interest income: Interest and fees on loans $ 228,652 $ 210,987 $ 659,449 $ 614,444 Debt securities 16,088 17,343 48,014 49,939 Feder
Slide 11: Loans by Type (Unaudited)
LOANS BY TYPE (UNAUDITED) (In thousands) 3rd Quarter 2026 2nd Quarter 2026 1st Quarter 2026 4th Quarter 2025 3rd Quarter 2025 Commercial, financial and agricultural $ 3,386,275 $ 3,252,437 $ 3,189,704 $ 3,146,736 $ 2,945,784 Real estate - construction 1,566,203 1,564,504 1,531,042 1,457,628 1,532,28
Slide 12: Consolidated Statements of Income (Unaudited)
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (In thousands except per share data) 3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter 2026 2026 2026 2025 2025 Interest income: Interest and fees on loans $ 228,652 $ 220,731 $ 210,066 $ 214,252 $ 210,987 Debt securities 16,088 15,827 16,099 1
Slide 13: Average Balance Sheets and Net Interest Analysis (Unaudited)
AVERAGE BALANCE SHEETS AND NET INTEREST ANALYSIS (UNAUDITED) ON A FULLY TAXABLE-EQUIVALENT BASIS (Dollars in thousands) 3rd Quarter 2026 2nd Quarter 2026 1st Quarter 2026 4th Quarter 2025 3rd Quarter 2025 Yield / Yield / Yield / Average Yield / Yield / Average Balance Rate Average Balance Rate Avera
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