Servisfirst Bancshares, Inc. · NYSE:SFBS
Servisfirst Bancshares — Q2 2026 Earnings Presentation
13 slides from Servisfirst Bancshares's earnings presentation, Jul 20, 2026
Slide 1: ServisFirst Bancshares, Inc. Announces Results for Second Quarter of 2026
SERVISFIRST BANCSHARES, INC. ANNOUNCES RESULTS FOR SECOND QUARTER OF 2026 Birmingham, Ala. – (BUSINESS WIRE) – July 20, 2026 – ServisFirst Bancshares, Inc. (NYSE: SFBS), today announced earnings and operating results for the quarter ended June 30, 2026. SECOND QUARTER 2026 HIGHLIGHTS: • Diluted earn
Slide 2: Financial Summary (Unaudited)
FINANCIAL SUMMARY (UNAUDITED) (in Thousands except share and per share amounts) % Change From % Change From Period Ending Period Ending March 31, 2026 June 30, 2025 to Period Ending June Period Ending to Period Ending Period Ending Period Ending 30, 2026 March 31, 2026 June 30, 2026 June 30, 2025 Ju
Slide 3: Detailed Financials
DETAILED FINANCIALS ServisFirst Bancshares, Inc. reported net income and net income available to common stockholders of $85.8 million for the quarter ended June 30, 2026, compared to $61.4 million for the second quarter of 2025. Basic and diluted earnings per common share were both $1.57 in the seco
Slide 4: to 641 at June 30, 2025, and increased by three from the end of
to 641 at June 30, 2025, and increased by three from the end of the first quarter of 2026. Equipment and occupancy expense increased $440,000, or 12.5%, to $4.0 million for the second quarter of 2026 from $3.5 million in the second quarter of 2025, and increased $15,000, or 0.4%, on a linked quarter
Slide 5: About ServisFirst Bancshares, Inc.
About ServisFirst Bancshares, Inc. ServisFirst Bancshares, Inc. (the “Company”) is a bank holding company based in Birmingham, Alabama. Through its subsidiary ServisFirst Bank (the “Bank”), the Company provides business and personal financial services from locations in Alabama, Florida, Georgia, Nor
Slide 6: Selected Financial Highlights (Unaudited)
SELECTED FINANCIAL HIGHLIGHTS (UNAUDITED) (In thousands except share and per share data) 2nd Quarter 2026 1st Quarter 2026 4th Quarter 2025 3rd Quarter 2025 2nd Quarter 2025 CONSOLIDATED STATEMENT OF INCOME Interest income $ 249,880 $ 241,480 $ 251,388 $ 251,308 $ 246,635 Interest expense 94,243 93,
Slide 7: GAAP Reconciliation and Management Explanation of Non-GAAP Financial Measures
GAAP Reconciliation and Management Explanation of Non-GAAP Financial Measures This press release contains the non-GAAP financial measures of tangible common stockholders’ equity, total tangible assets, tangible book value per share and tangible common equity to total tangible assets, each of which e
Slide 8: Three Months Ended June 30, Three Months Ended
Three Months Three Months Ended Ended June 30, Six Months Ended Six Months Ended June 30, 2026 2025 June 30, 2026 June 30, 2025 Adjusted net interest income, on a fully taxable-equivalent basis $ 155,637 $ 130,072 $ 303,785 $ 253,689 Return on average assets - GAAP 1.91 % 1.40 % 1.90 % 1.42 % Net in
Slide 9: Consolidated Balance Sheets (Unaudited)
CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Dollars in thousands) June 30, 2026 June 30, 2025 % Change ASSETS Cash and due from banks $ 115,442 $ 140,659 (18) % Interest-bearing balances due from depository institutions 1,089,592 1,236,485 (12) % Federal funds sold and securities purchased with agreeme
Slide 10: Consolidated Statements of Income (Unaudited)
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (In thousands except per share data) Three Months Ended June 30, Six Months Ended June 30, 2026 2025 2026 2025 Interest income: Interest and fees on loans $ 220,731 $ 206,521 $ 430,797 $ 403,457 Investment securities 15,827 16,567 31,926 32,596 Federal f
Slide 11: Loans by Type (Unaudited)
LOANS BY TYPE (UNAUDITED) (In thousands) 2nd Quarter 2026 1st Quarter 2026 4th Quarter 2025 3rd Quarter 2025 2nd Quarter 2025 Commercial, financial and agricultural $ 3,252,437 $ 3,189,704 $ 3,146,736 $ 2,945,784 $ 2,966,191 Real estate - construction 1,564,504 1,531,042 1,457,628 1,532,285 1,735,40
Slide 12: Consolidated Statements of Income (Unaudited)
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (In thousands except per share data) 2nd Quarter 1st Quarter 4th Quarter 3rd Quarter 2nd Quarter 2026 2026 2025 2025 2025 Interest income: Interest and fees on loans $ 220,731 $ 210,066 $ 214,252 $ 210,987 $ 206,521 Investment securities 15,827 16,099 17
Slide 13: Average Balance Sheets and Net Interest Analysis (Unaudited)
AVERAGE BALANCE SHEETS AND NET INTEREST ANALYSIS (UNAUDITED) ON A FULLY TAXABLE-EQUIVALENT BASIS (Dollars in thousands) 2nd Quarter 2026 1st Quarter 2026 4th Quarter 2025 3rd Quarter 2025 2nd Quarter 2025 Yield / Yield / Yield / Average Yield / Yield / Average Balance Rate Average Balance Rate Avera
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