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Dec 31, 2023

ServisFirst Q4 2023 Earnings Report

Net income decreased due to increased non-interest expenses, while deposits grew and credit quality remained strong.

Key Takeaways

ServisFirst Bancshares reported a decrease in net income for Q4 2023 compared to both the previous quarter and the same quarter last year, driven by a significant increase in non-interest expenses. However, deposits grew year-over-year, and credit quality remained strong, with non-performing assets to total assets at 0.14%.

Diluted earnings per share were $0.77, and adjusted diluted earnings per share were $0.91.

Deposits grew 15% year-over-year, and new deposit accounts opened increased 12% year-over-year.

The company entered the Memphis, Tennessee market with the hiring of Joel Smith as President.

Cash dividend increased from $0.28 per share to $0.30 per share, a 7% increase.

Total Revenue
$109M
Previous year: $129M
-15.7%
EPS
$0.91
Previous year: $1.24
-26.6%
Net Interest Margin
2.57%
Previous year: 3.52%
-27.0%
Efficiency Ratio
55.23%
Previous year: 29.45%
+87.5%
Return on Avg Assets
1.04%
Previous year: 1.89%
-45.0%
Cash and Equivalents
$2.13B
Previous year: $816M
+161.1%
Total Assets
$16.1B
Previous year: $14.6B
+10.5%

ServisFirst

ServisFirst

Forward Guidance

The company is well-positioned for growth in 2024, with strong liquidity.