ServisFirst Bancshares, Inc. (NYSE: SFBS) Reports Significant Growth in Q4 2025 Financial Results

Core Insights - ServisFirst Bancshares, Inc. (SFBS) has reported significant financial growth for the fourth quarter of 2025, with notable increases in earnings and revenue [1] Financial Performance - The earnings per share (EPS) for SFBS was $1.58, exceeding the expected $1.38, representing a 33% increase from the same period in 2024 and a 32% rise from the third quarter of 2025 [2][6] - Annual diluted EPS reached $5.06, indicating a 22% increase compared to 2024, while adjusted diluted EPS rose by 26% to $5.25 [2] - Revenue was approximately $162.2 million, surpassing the estimated $154.7 million, with a price-to-sales ratio of about 4.17 [3][6] Efficiency and Margins - The net interest margin improved to 3.38%, which is 42 basis points higher than the fourth quarter of 2024 and 29 basis points above the third quarter of 2025 [4] - The efficiency ratio decreased significantly to 29%, down from 36% in the fourth quarter of 2024 and 35% in the third quarter of 2025 [4][6] Financial Ratios - The company has a moderate debt-to-equity ratio of approximately 0.87, but faces potential liquidity concerns with a current ratio of around 0.11 [5] - The earnings yield is about 6.12%, providing insight into the return on investment [5] - The cost of interest-bearing deposits decreased by 62 basis points from the fourth quarter of 2024, now standing at 3.01% [5]