The earnings call presented a mixed outlook with strong loan growth, increased net income, and margin improvements being notable positives. However, these were partly offset by significant charge-offs, restructuring losses, and high deposit costs. The bank's focus on expanding merchant services and managing expenses could lead to improved future performance.

Company Guidance

During the ServisFirst Bancshares second quarter earnings call for fiscal year 2025, the company reported various financial metrics and forward-looking guidance. They achieved a net income of $61.4 million, with diluted earnings per share at $1.12, reflecting a return on average assets of 1.40% and a return on common equity of 14.56%. Despite facing challenges such as elevated payoffs in commercial real estate and a significant $8.6 million bond portfolio restructuring loss, the company demonstrated robust loan growth of 11% annualized net of payoffs. Their net interest margin improved, reaching an adjusted 3.05% for the quarter, and the tangible book value grew by an annualized 12.5% from the previous quarter. Additionally, they hired 7 new producers to support expansion efforts and increased treasury management service charges for the first time in 20 years, aiming to bolster noninterest income. Looking ahead, ServisFirst anticipates continued margin improvement, especially if the Federal Reserve lowers benchmark rates, and remains focused on maintaining a strong capital position with a common equity Tier 1 capital ratio of 11.38%.

Solid Loan Growth

The bank experienced a net loan growth of 11% annualized, with a robust loan pipeline, particularly in commercial and industrial lending.

Record Net Income Increase

Net income for the quarter was $61.4 million, representing an 18% increase from the second quarter of 2024.

Tangible Book Value Growth

Tangible book value grew by an annualized 12.5% from last quarter and nearly 14% from the same quarter a year ago.

Margin Improvement

Adjusted net interest margin improved to 3.05% for the quarter, up 13 basis points from the previous quarter.

Merchant Services Expansion

The bank hired a new team for merchant card processing to increase penetration and revenue, with potential for significant growth in noninterest income.

ServisFirst Bancshares (SFBS) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SFBS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 20, 2025	2025 (Q3)	1.34 / -	1.1	―	―	―
Jul 21, 2025	2025 (Q2)	1.21 / 1.21	0.95	27.37% (+0.26)	―
Apr 21, 2025	2025 (Q1)	1.18 / 1.16	0.94	23.40% (+0.22)	―
Jan 27, 2025	2024 (Q4)	1.11 / 1.19	0.91	30.77% (+0.28)	―
Oct 21, 2024	2024 (Q3)	0.97 / 1.10	0.98	12.24% (+0.12)	―
Jul 15, 2024	2024 (Q2)	0.91 / 0.95	0.98	-3.06% (-0.03)	―
Apr 22, 2024	2024 (Q1)	0.86 / 0.94	1.06	-11.32% (-0.12)	―
Jan 29, 2024	2023 (Q4)	0.88 / 0.91	1.24	-26.61% (-0.33)	―
Oct 16, 2023	2023 (Q3)	0.96 / 0.98	1.17	-16.24% (-0.19)	―
Jul 20, 2023	2023 (Q2)	0.89 / 0.98	1.14	-14.04% (-0.16)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SFBS Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 21, 2025	$83.00	$82.46	-0.65%
Apr 21, 2025	$69.20	$69.17	-0.04%
Jan 27, 2025	$88.93	$91.30	+2.67%
Oct 21, 2024	$81.79	$83.43	+2.01%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does ServisFirst Bancshares (SFBS) report earnings?

ServisFirst Bancshares (SFBS) is schdueled to report earning on Oct 20, 2025, After Close (Confirmed).

What is ServisFirst Bancshares (SFBS) earnings time?

ServisFirst Bancshares (SFBS) earnings time is at Oct 20, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SFBS EPS forecast?

SFBS EPS forecast for the fiscal quarter 2025 (Q3) is 1.34.

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