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ServisFirst Bancshares (SFBS)
NYSE:SFBS
Earnings Data
Report Date
Jul 21, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.21Last Year’s EPS
0.95Same Quarter Last Year
Based on 2 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 11.08%
|Next Earnings Date:Jul 21, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a strong start for ServisFirst Bancshares in 2025 with significant loan and deposit growth, improved net income, and effective expense management. However, there were concerns about increased charge-offs, rising NPAs, and margin pressure due to excess liquidity.Company Guidance
During the ServisFirst Bancshares, Inc. first quarter earnings call, the company provided several key performance metrics and projections for the fiscal year 2025. The company reported a net income of $63.2 million and a diluted earnings per share of $1.16, alongside a pre-provision net revenue of $85.7 million. The return on average assets was noted at 1.45%, while the return on common equity stood at 15.63%. The company's total assets grew by nearly $1.3 billion since December 31, reaching $18.6 billion, which represents a 19% growth from March 31, 2024. The company achieved an annualized loan growth of 9%, with a loan pipeline increase of 10% from January, despite some projected payoffs similar to the previous quarter. Notably, the allowance for credit losses ended the quarter at just over $106.65 million. Additionally, ServisFirst maintained a common equity Tier 1 capital ratio of 11.4% and a risk-based capital ratio of 12.9%. The net interest margin was slightly diluted due to higher cash balances at the Fed, which impacted it by six basis points. Looking ahead, the company anticipates over $1.9 billion in asset repricing over the next twelve months, with $1.5 billion projected cash flow from fixed-rate loans and $100 million from mortgage-backed securities paydowns. The company also reported a noninterest expense range expectation of $46 million to $46.5 million for the remainder of 2025, with a focus on continued organic loan and deposit growth.Strong Loan and Deposit Growth
Loan growth of 9% annualized in Q1 2025 with the pipeline up 10% from January. Strong deposit growth, particularly in municipal and correspondent deposits, was also noted.
Solid Financial Performance
Reported net income of $63.2 million, a 26% increase from Q1 2024. Return on average assets was 1.45% and return on common equity was 15.63%.
Asset and Capital Growth
Total assets grew by nearly $1.3 billion from December 31st, 2024, ending at $18.6 billion, reflecting 19% growth from March 31st, 2024. Common equity Tier 1 capital ratio was at 11.4%.
Expense Management
Noninterest expense was down $789,000 compared to Q4 2024, achieving an efficiency ratio below 35%.
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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
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SFBS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 21, 2025 | $69.50 | $69.47 | -0.04% |
Jan 27, 2025 | $89.32 | $91.70 | +2.66% |
Oct 21, 2024 | $82.15 | $83.79 | +2.00% |
Jul 15, 2024 | $70.05 | $79.13 | +12.96% |
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.
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FAQ
When does ServisFirst Bancshares (SFBS) report earnings?
ServisFirst Bancshares (SFBS) is schdueled to report earning on Jul 21, 2025, TBA Not Confirmed.
What is ServisFirst Bancshares (SFBS) earnings time?
ServisFirst Bancshares (SFBS) earnings time is at Jul 21, 2025, TBA Not 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 (Q2) is 1.21.
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