What is Servisfirst Bancshares Inc's earnings per share (EPS)?

Servisfirst Bancshares Inc (SFBS) reported diluted earnings per share of $5.06 for fiscal year 2025. This represents a 21.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Servisfirst Bancshares Inc Financials

SFBS

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Servisfirst Bancshares Inc (SFBS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SFBS FY2025 2026-04-22

ServisFirst's latest earnings engine is spread recovery plus capital retention, not simple balance-sheet growth or heavier leverage.

From FY2023 to FY2025, revenue kept rising while interest expense stayed unusually high, so net margin only recovered to 27.9% from 24.0% instead of snapping back to its earlier shape. At the same time, equity growth reached $1.85B and debt-to-equity fell to 8.6x, meaning the earnings rebound is also rebuilding the capital base rather than relying on more leverage.

Returns improved on a bigger balance sheet: assets ended at $17.7B and ROA improved to 1.6%, which suggests the latest profit lift came from better spread economics on existing scale, not just from adding more assets. That matters because banks can grow reported income simply by getting larger; here, profitability per asset also moved up.

Overhead discipline is helping earnings quality: selling and admin expense slipped to $94.8M even as revenue approached $990.4M. Capital retention remains strong as dividends of $73.2M sat well below net income of $276.6M, so most profit stayed inside the business and lifted equity.

Financial Health Signals

Financial Profile 16/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Servisfirst Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Servisfirst Bancshares Inc's revenue grew a modest 4.7% year-over-year to $990.4M. This slow but positive growth earns a score of 51/100.

Leverage

Servisfirst Bancshares Inc has elevated debt relative to equity (D/E of 8.58), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Servisfirst Bancshares Inc's ROE of 14.9% shows moderate profitability relative to equity, earning a score of 43/100. This is up from 14.1% the prior year.

Piotroski F-Score Neutral

5/9

Servisfirst Bancshares Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.28x

For every $1 of reported earnings, Servisfirst Bancshares Inc generates $1.28 in operating cash flow ($355.2M OCF vs $276.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$990.4M

YoY+4.7%

5Y CAGR+20.6%

10Y CAGR+18.6%

Servisfirst Bancshares Inc generated $990.4M in revenue in fiscal year 2025. This represents an increase of 4.7% from the prior year.

EBITDA

N/A

Net Income

$276.6M

YoY+21.7%

5Y CAGR+10.3%

10Y CAGR+15.8%

Servisfirst Bancshares Inc reported $276.6M in net income in fiscal year 2025. This represents an increase of 21.7% from the prior year.

EPS (Diluted)

$5.06

YoY+21.6%

5Y CAGR+10.1%

10Y CAGR+15.5%

Servisfirst Bancshares Inc earned $5.06 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

N/A

Dividends Per Share

$0.38

YoY+11.8%

5Y CAGR+13.7%

Servisfirst Bancshares Inc paid $0.38 per share in dividends in fiscal year 2025. This represents an increase of 11.8% from the prior year.

Shares Outstanding

55M

YoY+0.1%

5Y CAGR+0.3%

10Y CAGR+0.5%

Servisfirst Bancshares Inc had 55M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

27.9%

YoY+3.9pp

5Y CAGR-15.7pp

10Y CAGR-7.4pp

Servisfirst Bancshares Inc's net profit margin was 27.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.9 percentage points from the prior year.

Return on Equity

14.9%

YoY+0.9pp

5Y CAGR-2.1pp

10Y CAGR+0.8pp

Servisfirst Bancshares Inc's ROE was 14.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

SFBS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$990.4M+4.7%	$946.1M+16.3%	$813.2M+45.4%	$559.3M+34.4%	$416.3M+7.0%	$389.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$94.8M-1.6%	$96.3M+19.0%	$81.0M+3.9%	$78.0M+15.1%	$67.7M+10.3%	$61.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$455.2M-8.9%	$499.5M+24.1%	$402.3M+355.0%	$88.4M+178.0%	$31.8M-37.6%	$51.0M
Income Tax	$65.5M+26.6%	$51.7M+37.1%	$37.7M-34.2%	$57.3M+25.7%	$45.6M+2.2%	$44.6M
Net Income	$276.6M+21.7%	$227.2M+9.8%	$206.9M-17.7%	$251.5M+21.1%	$207.7M+22.5%	$169.6M
EPS (Diluted)	$5.06+21.6%	$4.16+9.8%	$3.79-17.8%	$4.61+20.7%	$3.82+22.0%	$3.13

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$251.4M0.0%	$251.3M+1.9%	$246.6M+2.3%	$241.1M-1.1%	$243.9M-1.6%	$248.0M+9.0%	$227.5M+0.4%	$226.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$23.8M-6.6%	$25.5M+13.0%	$22.6M-1.3%	$22.9M-4.9%	$24.1M-4.0%	$25.1M+3.5%	$24.2M+5.3%	$23.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$104.9M-11.0%	$117.9M+2.5%	$114.9M-2.2%	$117.5M-2.6%	$120.7M-9.1%	$132.9M+9.2%	$121.7M-2.1%	$124.2M
Income Tax	$21.2M+60.2%	$13.3M-12.7%	$15.2M-4.3%	$15.9M+11.8%	$14.2M+13.8%	$12.5M-13.7%	$14.5M+36.3%	$10.6M
Net Income	$86.4M+31.7%	$65.6M+6.8%	$61.4M-2.8%	$63.2M-2.9%	$65.1M+8.7%	$59.9M+14.9%	$52.1M+4.2%	$50.0M
EPS (Diluted)	N/A	$1.20+7.1%	$1.12-3.4%	$1.16	N/A	$1.10+15.8%	$0.95+3.3%	$0.92

SFBS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$17.7B+2.2%	$17.4B+7.6%	$16.1B+10.5%	$14.6B-5.5%	$15.4B+29.5%	$11.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M	N/A	N/A
Total Liabilities	$15.9B+0.9%	$15.7B+7.1%	$14.7B+10.5%	$13.3B-7.0%	$14.3B+30.7%	$10.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.8B+14.5%	$1.6B+12.2%	$1.4B+11.0%	$1.3B+12.7%	$1.2B+16.0%	$992.4M
Retained Earnings	$1.6B+14.2%	$1.4B+12.6%	$1.3B+13.1%	$1.1B+21.8%	$911.0M+21.8%	$748.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$17.7B+0.8%	$17.6B+1.2%	$17.4B-6.8%	$18.6B+7.4%	$17.4B+5.5%	$16.4B+2.5%	$16.0B+2.1%	$15.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M
Total Liabilities	$15.9B+0.5%	$15.8B+0.9%	$15.7B-7.7%	$17.0B+7.8%	$15.7B+5.8%	$14.9B+2.3%	$14.5B+2.1%	$14.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.8B+3.9%	$1.8B+3.5%	$1.7B+3.2%	$1.7B+3.2%	$1.6B+3.0%	$1.6B+4.0%	$1.5B+2.3%	$1.5B
Retained Earnings	$1.6B+4.2%	$1.5B+3.2%	$1.5B+3.0%	$1.5B+3.2%	$1.4B+3.4%	$1.4B+3.3%	$1.3B+2.6%	$1.3B

SFBS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$355.2M+40.4%	$252.9M+28.2%	$197.3M-27.6%	$272.6M+2.4%	$266.3M+39.2%	$191.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$1.2B-21.7%	-$948.5M-373.2%	-$200.4M+92.4%	-$2.6B-69.3%	-$1.6B-10.6%	-$1.4B
Financing Cash Flow	$49.3M-94.8%	$941.2M-28.6%	$1.3B+227.2%	-$1.0B-131.4%	$3.3B+18.0%	$2.8B
Dividends Paid	$73.2M+11.9%	$65.4M+43.1%	$45.7M+22.0%	$37.5M+15.2%	$32.5M+15.2%	$28.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$98.8M-29.9%	$140.9M+108.4%	$67.6M+41.0%	$48.0M-28.6%	$67.2M-20.1%	$84.0M+74.1%	$48.3M-9.8%	$53.5M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$292.6M-51.1%	-$193.7M+46.5%	-$362.2M-18.4%	-$306.0M-8.5%	-$281.9M-439.4%	$83.1M+117.8%	-$465.8M-64.1%	-$283.9M
Financing Cash Flow	$47.2M-59.0%	$115.2M+108.6%	-$1.3B-209.2%	$1.2B+48.1%	$831.1M+162.7%	$316.4M+30.0%	$243.4M+154.1%	-$449.8M
Dividends Paid	$18.3M0.0%	$18.3M0.0%	$18.3M+0.1%	$18.3M+11.7%	$16.4M+0.1%	$16.4M0.0%	$16.4M+0.1%	$16.3M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SFBS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	27.9%+3.9pp	24.0%-1.4pp	25.4%-19.5pp	45.0%-4.9pp	49.9%+6.3pp	43.6%
Return on Equity	14.9%+0.9pp	14.1%-0.3pp	14.4%-5.0pp	19.4%+1.3pp	18.0%+1.0pp	17.1%
Return on Assets	1.6%+0.2pp	1.3%+0.0pp	1.3%-0.4pp	1.7%+0.4pp	1.3%-0.1pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.58-1.2	9.74-0.5	10.20-0.0	10.25-2.2	12.42+1.4	11.02
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	34.4%+8.3pp	26.1%+1.2pp	24.9%-1.3pp	26.2%-0.5pp	26.7%+2.5pp	24.2%+1.3pp	22.9%+0.8pp	22.1%
Return on Equity	4.7%+1.0pp	3.7%+0.1pp	3.6%-0.2pp	3.8%-0.2pp	4.0%+0.2pp	3.8%+0.4pp	3.5%+0.1pp	3.4%
Return on Assets	0.5%+0.1pp	0.4%+0.0pp	0.4%+0.0pp	0.3%-0.0pp	0.4%+0.0pp	0.4%+0.0pp	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.58-0.3	8.87-0.2	9.10-1.1	10.17+0.4	9.74+0.3	9.48-0.1	9.63-0.0	9.65
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Servisfirst Bancshares Inc's annual revenue?

Servisfirst Bancshares Inc (SFBS) reported $990.4M in total revenue for fiscal year 2025. This represents a 4.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Servisfirst Bancshares Inc's revenue growing?

Servisfirst Bancshares Inc (SFBS) revenue grew by 4.7% year-over-year, from $946.1M to $990.4M in fiscal year 2025.

Is Servisfirst Bancshares Inc profitable?

Yes, Servisfirst Bancshares Inc (SFBS) reported a net income of $276.6M in fiscal year 2025, with a net profit margin of 27.9%.

What is Servisfirst Bancshares Inc's net profit margin?

Servisfirst Bancshares Inc (SFBS) had a net profit margin of 27.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Servisfirst Bancshares Inc pay dividends?

Yes, Servisfirst Bancshares Inc (SFBS) paid $0.38 per share in dividends during fiscal year 2025.

What is Servisfirst Bancshares Inc's return on equity (ROE)?

Servisfirst Bancshares Inc (SFBS) has a return on equity of 14.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Servisfirst Bancshares Inc's operating cash flow?

Servisfirst Bancshares Inc (SFBS) generated $355.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Servisfirst Bancshares Inc's total assets?

Servisfirst Bancshares Inc (SFBS) had $17.7B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Servisfirst Bancshares Inc have outstanding?

Servisfirst Bancshares Inc (SFBS) had 55M shares outstanding as of fiscal year 2025.

What is Servisfirst Bancshares Inc's debt-to-equity ratio?

Servisfirst Bancshares Inc (SFBS) had a debt-to-equity ratio of 8.58 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Servisfirst Bancshares Inc's return on assets (ROA)?

Servisfirst Bancshares Inc (SFBS) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Servisfirst Bancshares Inc's Piotroski F-Score?

Servisfirst Bancshares Inc (SFBS) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Servisfirst Bancshares Inc's earnings high quality?

Servisfirst Bancshares Inc (SFBS) has an earnings quality ratio of 1.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Servisfirst Bancshares Inc?

Servisfirst Bancshares Inc (SFBS) scores 16 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.