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Dec 31, 2025
ServisFirst Q4 2025 Earnings Report
ServisFirst Bancshares, Inc. announced its earnings and operating results for the fourth quarter ended December 31, 2025.
Key Takeaways
ServisFirst Bancshares, Inc. reported strong financial performance in Q4 2025, with net income of $86.4 million and diluted EPS of $1.58, representing significant increases from both the previous quarter and the prior year. The company saw notable improvements in net interest margin and efficiency ratio, alongside substantial loan and deposit growth. Strategic expansion into the Texas market also marked a key highlight.
Diluted earnings per share for Q4 2025 increased by 33% from Q4 2024 and 32% from Q3 2025, reaching $1.58.
Net interest margin improved to 3.38%, up 42 basis points from Q4 2024 and 29 basis points from Q3 2025.
The efficiency ratio improved significantly to 29% in Q4 2025, down from 36% in Q4 2024 and 35% in Q3 2025.
Loans grew by $384.9 million, or 12% annualized, during the quarter, and deposits increased by $675.6 million, or 5%, year-over-year.
Revenue by Segment
Forward Guidance
The company anticipates continued solid financial performance in 2026, driven by ongoing focus on net interest margin expansion, disciplined expense controls, and franchise growth.
Positive Outlook
- Continued focus on net interest margin expansion, enhanced by reductions in benchmark interest rates.
- Disciplined expense controls to support profitability.
- Growth of the franchise and market share gains.
- Strong loan growth observed in Q4 2025, indicating an improved outlook.
- Successful entry into the Texas market with a strong team of commercial bankers.
Challenges Ahead
- Potential impact of general economic conditions, especially in credit markets and the Southeast.
- Risks associated with changes in interest rates, yield curves, and interest rate spread relationships.
- Uncertainties related to changes in accounting and tax principles, policies, or guidelines.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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