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ServisFirst Bancshares (SFBS)
NYSE:SFBS
Earnings Data
Report Date
Apr 27, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.51Last Year’s EPS
1.16Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong financial and operational positives: meaningful EPS growth (Q4 +32% q/q and +33% y/y), margin expansion (NIM up to 3.38% in Q4), solid loan growth and a sizable repricing opportunity (~$2B opportunity cited), improved efficiency (sub-30% quarter; full-year improvement of 14% vs 2024), diversified noninterest revenue growth, and strong liquidity/capital metrics. Offsetting these positives are credit-related headwinds concentrated in a single merchant-developer exposure that pushed NPAs to 97 bps, quarterly charge-offs of $6.7M, earlier securities losses, and near-term profitability drag and expense growth tied to the Texas expansion. Management’s tone was constructive and optimistic about 2026 while acknowledging specific localized credit and ramp-up challenges.Company Guidance
Strong Quarterly and Annual EPS Growth
Diluted EPS of $1.58 for the fourth quarter, up 32% sequentially (vs Q3 2025) and up 33% year-over-year (vs Q4 2024). Full-year operating EPS of $5.25 and GAAP EPS of $5.06; net income available to common shareholders of $86.4M for the quarter and $276.5M for the year.
Margin Expansion and Asset Yields
Net interest margin expanded from 2.92% in Q1 2025 to 3.38% in Q4 2025. Asset yield of 5.79% for the quarter (up 10 bps vs Q1 2025; down 3 bps vs Q3 2025) and loan yield at 6.30% despite a 75 bps drop in benchmark rates during the quarter.
Loan Growth and Pipeline Momentum
Annualized loan growth of 12% in the quarter. Loan pipeline increased 11% quarter-over-quarter and, net of projected payoffs, increased 80% quarter-over-quarter. Yearly loan growth roughly split with ~10% annual growth in both C&I and real estate; C&I posted nearly 10% growth for the year (highest in several years).
Improving Efficiency and Operating Performance
Quarterly efficiency ratio dipped below 30%; full-year adjusted efficiency ratio near 32%, a 14% improvement versus 2024. Noninterest expense was flat vs the same quarter last year and down ~3% vs the linked quarter; full-year noninterest expense up only ~2%.
Revenue Diversification and Fee Growth
Operating noninterest revenue up 12% for the full year. Service charges rose 26% YoY after fee increases, and mortgage banking fee income increased 11% YoY, contributing positively to overall revenue.
Capital, Liquidity and Book Value Strength
Tangible book value grew 4% in the quarter to $33.62 per share. Deposits grew 5% year-over-year; Fed funds purchases declined 26% YoY. Company reports strong liquidity and operates without broker deposits or FHLB debt.
Significant Repricing Opportunity
Approximately $1.0B of low fixed-rate loans scheduled to reprice in 2026 (weighted avg yield 5.18%) vs current going-on loan rate ~6.47%, implying ~130 bps pickup potential on that bucket. Including ~ $700M of cash flow and ~$300M from covenant/modification-related repricings, management cites ~ $2.0B total repricing opportunity over the next 12 months.
Strategic Growth Initiatives and Correspondent Network
Expansion into Texas with a 9-member Houston team already productive; budgeted 2026 growth for Texas is the highest among regions. Company has 388 correspondent banks (145 settle at the Fed) and growth in an Asian credit card program with 150 banks in pipeline and endorsements from ABA plus 12 state banking associations.
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 |
|---|---|---|---|
Jan 20, 2026 | $76.33 | $87.46 | +14.58% |
Oct 20, 2025 | $75.90 | $70.73 | -6.81% |
Jul 21, 2025 | $82.22 | $81.68 | -0.66% |
Apr 21, 2025 | $68.55 | $68.52 | -0.04% |
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 Apr 27, 2026, After Close (Confirmed).
What is ServisFirst Bancshares (SFBS) earnings time?
ServisFirst Bancshares (SFBS) earnings time is at Apr 27, 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 (Q1) is 1.51.