ServisFirst (SFBS) Reports Q2 Earnings: What Key Metrics Have to Say

Core Insights - ServisFirst Bancshares reported a revenue of $140.67 million for the quarter ended June 2025, reflecting a year-over-year increase of 22.6% and a surprise of +1.32% over the Zacks Consensus Estimate of $138.84 million [1] - The earnings per share (EPS) for the quarter was $1.21, compared to $0.95 in the same quarter last year, resulting in an EPS surprise of +0.83% against the consensus estimate of $1.20 [1] Financial Performance Metrics - Efficiency Ratio stood at 33.5%, slightly better than the average estimate of 33.7% from two analysts [4] - Average Balance of Interest-earning Assets was reported at $17.08 billion, below the estimated $17.42 billion [4] - Net charge-offs to total average loans remained stable at 0.2%, matching the average estimate [4] - Net Interest Margin was 3.1%, exceeding the average estimate of 3% [4] - Net Interest Income reached $131.69 million, surpassing the average estimate of $130.05 million [4] - Service charges on deposit accounts totaled $2.67 million, above the average estimate of $2.54 million [4] - Mortgage banking income was reported at $1.32 million, exceeding the estimated $1.02 million [4] - Other Operating Income was $0.75 million, slightly below the average estimate of $0.9 million [4] - Total Non-interest income was $0.42 million, significantly lower than the average estimate of $8.79 million [4] - Increase in cash surrender value life insurance income was $2.13 million, matching the estimate [4] - Credit card income was reported at $2.12 million, slightly below the estimated $2.21 million [4] Stock Performance - ServisFirst shares have returned +13.8% over the past month, outperforming the Zacks S&P 500 composite's +5.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]