ServisFirst Bancshares (SFBS)
NYSE:SFBS
Want to see SFBS full AI Analyst Report?
Earnings Data
Report Date
Jul 20, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.56Last Year’s EPS
1.21Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive operational and financial performance: strong year-over-year EPS growth (+33%), expanding net interest margin (+61 bps YoY), best‑in‑class efficiency (sub‑30%), solid loan and deposit growth, and improving capital and liquidity metrics. Reported headwinds are manageable and largely idiosyncratic — a specific credit charge-off, modest NPA uptick with known near-term reductions, some nonrecurring BOLI volatility, and near-term expense pressure from intentional Texas expansion. Management highlighted meaningful loan repricing opportunities (material pickup on maturing fixed‑rate loans) and expects asset-driven margin expansion, while noting macro/competitive sensitivities (rate path, gas prices, price competition). Overall, the positives materially outweigh the negatives.Company Guidance
Strong Earnings and EPS Growth
Net income of $83.0M; diluted EPS $1.52 (normalized $1.54) vs $1.16 in Q1 2025 — EPS up 33% year-over-year. Return on average assets 1.89% and return on average common equity 17.91%.
Net Interest Margin Expansion and Net Interest Income Growth
Net interest margin expanded to 3.53%, +15 bps quarter-over-quarter and +61 bps year-over-year. Net interest income $148.2M (Q1 2026) versus $123.6M a year ago.
Solid Loan and Deposit Growth with Strong Repricing Opportunity
Loan growth ~7% annualized for the quarter; deposit growth 8% annualized in Q1. Management cites ~$2.0B near-term opportunity in low fixed-rate loans repricing (and ~$2.9B maturing in next 3 years below current going-on loan rates). $1.2B of low fixed-rate loan maturities in next 12 months with weighted average yield 5.19% vs going-on loan rate ~6.5% (meaningful pickup potential).
Best-in-Class Efficiency and Disciplined Expense Control
Efficiency ratio 29.81% (below 30% for second consecutive quarter). Noninterest expense $47.4M, up modestly QoQ and only +2.8% YoY, demonstrating operating leverage vs revenue growth.
Capital, Liquidity and Funding Strength
Preliminary CET1 ratio 11.86% (up 21 bps from year-end and +38 bps YoY); total capital / RWA 13.13%; Tier 1 leverage 10.71%; tangible common equity / tangible assets 10.46%. Liquidity: $1.84B cash (~10% of assets). No FHLB advances and no broker deposits — funding described as entirely core/relationship-driven.
Fee Income Momentum in Key Relationship Products
Underlying fee lines showing growth: service charges $3.3M, flat QoQ but +29% YoY (reflects fee increases); mortgage banking revenue $1.9M, +14% QoQ; net credit card income $2.2M, +12% YoY; BOLI income (underlying) up 32% YoY (+$2.8M).
Strategic Growth Investment — Texas Expansion
Opened Texas initiative: leased 26,000 sq ft for buildout, 18 bankers onboard, first Texas loan closed in March. Hired 32 FTEs in last 12 months (75% frontline); total producers at quarter end = 161. Management expects revenue to justify investments over time.
SFBS Earnings History
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 |
|---|---|---|---|
Apr 20, 2026 | $78.14 | $79.04 | +1.15% |
Jan 20, 2026 | $75.93 | $87.00 | +14.58% |
Oct 20, 2025 | $75.50 | $70.36 | -6.80% |
Jul 21, 2025 | $81.79 | $81.26 | -0.65% |
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 Jul 20, 2026, After Close (Confirmed).
What is ServisFirst Bancshares (SFBS) earnings time?
ServisFirst Bancshares (SFBS) earnings time is at Jul 20, 2026, 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 2026 (Q2) is 1.56.