ServisFirst Bancshares, Inc. (SFBS) Financial Performance Analysis

Core Insights - ServisFirst Bancshares, Inc. (SFBS) is a significant entity in the Zacks Financial - Savings and Loan industry, providing a variety of banking services in the southeastern United States, despite challenges in meeting analyst expectations for earnings and revenue [1][5] Financial Performance - SFBS reported an earnings per share (EPS) of $1.30, which was below the expected $1.38, resulting in a negative EPS surprise of 5.8% [2][6] - The revenue for the quarter was approximately $136.3 million, reflecting a 10.2% increase year-over-year but falling short of the anticipated $151.9 million, leading to an 8.41% miss from the Zacks Consensus Estimate [3][6] Operational Metrics - The company's net interest margin improved to 3.09%, indicating robust operational performance [4][6] - Loans and deposits grew by 7.9% and 7.3% respectively, showcasing solid operational footing [4][6] Financial Ratios - SFBS's price-to-earnings (P/E) ratio was approximately 16.70, with a price-to-sales ratio of about 4.16 [5] - The debt-to-equity ratio stood at 0.97, indicating moderate leverage, while the current ratio of 0.12 points to challenges in short-term liquidity [5]