Core Insights - ServisFirst Bancshares reported revenue of $136.28 million for the quarter ended September 2025, reflecting a year-over-year increase of 10.2% but falling short of the Zacks Consensus Estimate by 8.41% [1] - The earnings per share (EPS) for the quarter was $1.30, an increase from $1.10 in the same quarter last year, but below the consensus estimate of $1.38, resulting in an EPS surprise of -5.8% [1] Financial Performance Metrics - Efficiency Ratio was reported at 35.2%, higher than the average estimate of 31.5% from two analysts [4] - Net charge-offs to total average loans stood at 0.3%, compared to the average estimate of 0.2% [4] - Net Interest Margin was 3.1%, slightly below the estimated 3.2% [4] - Average Balance of Interest-earning Assets was $17.13 billion, lower than the average estimate of $17.39 billion [4] - Net Interest Income was reported at $133.45 million, below the average estimate of $139.64 million [4] - Total Non-interest income was $2.83 million, significantly lower than the average estimate of $9.15 million [4] - Credit card income was $2.41 million, exceeding the average estimate of $2.28 million [4] - Service charges on deposit accounts reached $3.32 million, above the average estimate of $2.73 million [4] - Mortgage banking income was $1.86 million, higher than the estimated $1.28 million [4] - Other Operating Income was reported at $0.66 million, slightly below the average estimate of $0.83 million [4] Stock Performance - Shares of ServisFirst have declined by 10.7% over the past month, contrasting with a 1.1% increase in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]