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Jun 30, 2025
ServisFirst Q2 2025 Earnings Report
ServisFirst reported solid loan growth and improved profitability in Q2 2025.
Key Takeaways
ServisFirst Bancshares delivered strong Q2 2025 results, with loan growth, improved net interest margin, and higher book value, although non-interest income declined sharply due to securities losses.
Net income reached $61.4M, up from $52.1M a year ago
Net interest margin improved to 3.10%
Loan growth of $346M drove asset expansion
Non-interest income dropped due to $8.6M securities loss
Revenue by Segment
Forward Guidance
Management expects continued improvement in net interest margins and loan growth, but warned of potential credit quality pressures.
Positive Outlook
- Continued loan growth expected
- Net interest margin to improve over next 24 months
- Strong liquidity position maintained
- Capital ratios remain robust
- Positive asset repricing trends
Challenges Ahead
- Non-interest income remains volatile
- Higher provision for credit losses expected
- Non-performing assets have increased
- Loan charge-offs rose in the quarter
- Securities portfolio restructuring caused losses
Historical Earnings Impact
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Avg. Return Before/After Earnings
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