The earnings call reflected a mixed performance with solid loan growth, increased net income compared to last year, and improved margin performance. However, significant charge-offs, a loss from bond restructuring, and a decline in noninterest income present challenges. The sentiment is balanced due to these contrasting factors.

Company Guidance -

Q3 2025

During the ServisFirst Bancshares Second Quarter Earnings Call for Fiscal Year 2025, the company reported several key metrics and strategic moves. The loan portfolio experienced an 11% annualized growth, with robust demand in commercial and industrial lending despite elevated payoffs in commercial real estate. The bank maintained a stable nonperforming asset ratio, which slightly increased from 40 to 42 basis points quarter-over-quarter. Net income for the quarter was $61.4 million, with a diluted earnings per share of $1.12, reflecting a return on average assets of 1.40% and a return on common equity of 14.56%. The net interest margin improved to 3.19% by the end of June, up from 3.06% in March. The tangible book value rose by nearly 14% from the same quarter last year, reaching $31.27 per share. Additionally, the bank's provision expense increased to maintain an allowance for credit losses at 1.28% due to the loan growth and charge-offs. The company also undertook strategic initiatives, such as restructuring its bond portfolio and expanding merchant services, aiming to enhance future revenue and efficiency.

Solid Loan Growth

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

Net Income Growth

Net income grew by more than $9 million or 18% from the second quarter of 2024.

Improved Margin Performance

Adjusted net interest margin increased by 13 basis points from the previous quarter and 26 basis points from the same quarter last year.

Tangible Book Value Increase

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

Merchant Services Expansion

The bank onboarded a new team to grow its merchant services, with expectations to significantly increase revenue in this area.

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

Daily Earnings Calendar >

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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