The earnings call presented a mixed performance. While there were notable achievements in profitability and loan pipeline growth, challenges included loan growth below expectations, increased nonperforming assets, and losses on bond sales. The company is optimistic about future opportunities, yet cautious of current market conditions.
Company Guidance
During the ServisFirst Bancshares Third Quarter Earnings Call, several key financial metrics and strategic updates were discussed. Loan growth was below expectations due to a $500 million increase in loan paydowns, although the loan pipeline in October was over 10% higher than in September and 40% higher than a year ago. The company's nonperforming assets increased by approximately $96 million, largely due to a relationship with a large merchant developer, despite which they managed to secure additional collateral. The bank reported net income of $65.6 million, representing an 18% increase from the same quarter last year, with a return on average assets of 1.47% and a return on common equity of 14.9%. Notably, net interest margin stood at 3.19% when normalized for an interest income reversal, and the efficiency ratio improved to 35.22%. The company also highlighted strategic moves, such as hiring seven new producers and achieving profitability across all its markets for the first time while focusing on reducing deposit costs amid Federal Reserve rate cuts.
Profitability and Revenue Growth
Net income of $65.6 million, representing an 18% growth from the same quarter last year, with a return on average assets of 1.47% and a return on common equity of 14.9%.
Loan Pipeline Increase
Loan pipeline increased by over 10% in October compared to September and is 40% higher than a year ago.
Margin Expansion
Normalized net interest income was $137.8 million, with a net interest margin of 3.19%, which is $8.4 million higher than the previous quarter.
All Markets Profitable
For the first time, all markets are profitable, which is a notable achievement for the company.
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
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
Oct 20, 2025
$76.30
$71.11
-6.80%
Jul 21, 2025
$82.65
$82.12
-0.64%
Apr 21, 2025
$68.91
$68.88
-0.04%
Jan 27, 2025
$88.56
$90.92
+2.66%
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 Jan 26, 2026, After Close (Confirmed).
What is ServisFirst Bancshares (SFBS) earnings time?
ServisFirst Bancshares (SFBS) earnings time is at Jan 26, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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