ServisFirst (SFBS) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - ServisFirst Bancshares reported a revenue of $131.97 million for Q4 2024, marking a 21% increase year-over-year and exceeding the Zacks Consensus Estimate by 4.35% [1] - The company's EPS for the quarter was $1.19, up from $0.91 in the same quarter last year, representing an EPS surprise of 8.18% over the consensus estimate of $1.10 [1] Financial Performance Metrics - Efficiency Ratio was reported at 35.5%, better than the estimated 36% [4] - Net charge-offs to total average loans remained stable at 0.1%, matching analyst estimates [4] - Net Interest Margin was 3%, surpassing the average estimate of 2.9% [4] - Average Balance of Interest-earning Assets was $16.53 billion, exceeding the estimated $16.27 billion [4] - Net Interest Income reached $123.17 million, above the average estimate of $118.18 million [4] - Total Non-interest Income was $8.80 million, higher than the estimated $8.29 million [4] - Credit card income was reported at $1.87 million, below the estimated $2.21 million [4] - Service charges on deposit accounts totaled $2.65 million, exceeding the estimated $2.32 million [4] - Mortgage banking income was $1.51 million, significantly higher than the estimated $0.89 million [4] - Other Operating Income was $0.64 million, below the estimated $0.81 million [4] Stock Performance - ServisFirst shares have returned +2% over the past month, outperforming the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]