ServisFirst Bancshares, Inc.(SFBS)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
ServisFirst Bancshares, Inc. (SFBS) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores SFBS at 69.1/100 on a 32-signal composite quality model, placing it at rank #284 of 2,960 stocks — the top 10% of the AI-ranked universe. SFBS scores in the top quartile across free cash flow (98.9), profitability (97.9), revenue growth (78.4). Based on the latest XBRL financial filings (Q2 2026), ServisFirst Bancshares, Inc. reports quarterly revenue of $168.5M, net income of $85.8M, an operating margin of 63.6%. Top institutional holders of SFBS by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. SFBS trades on the NYSE exchange and files with the SEC under CIK 1430723. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SFBS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ServisFirst Bancshares, Inc. directly from SEC EDGAR.
AI Quality Score
69.1/100
AI Rank
#284
Revenue
$168.5M
Net Income
$85.8M
Operating Margin
63.6%
SFBS key financials by period
ServisFirst Bancshares, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$562.4M
$276.6M
60.8%
FY 2024
10-K
$481.7M
$227.2M
57.9%
FY 2023
10-K
$441.4M
$206.9M
55.4%
FY 2022
10-K
$504.3M
$251.5M
61.2%
FY 2021
10-K
$418.0M
$207.7M
60.6%
FY 2020
10-K
$368.2M
$169.6M
58.2%
Institutions holding SFBS
Institutional investors reporting a position in ServisFirst Bancshares, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose to $85.8M ($1.57 diluted EPS, +40.2% YoY) as net interest margin expanded 53 bps to 3.63%, while nonperforming loans reached $171.0 million.
Biggest Revenue Drivers
Net interest income$155.6M+18.2% YoY
Growth in loans and interest-bearing balances drove volume; average rates paid on interest-bearing liabilities fell 59 basis points.
Noninterest income$12.9Mvs $421,000 a year earlier
Prior-year quarter included an $8.6 million pre-tax securities loss from portfolio restructuring.
Biggest Revenue Drivers
Total revenue: $249.9Mtotal interest income, vs $246.6M a year
Net interest income$155.6M+18.2% YoY
Growth in loans and interest-bearing balances drove volume; average rates paid on interest-bearing liabilities fell 59 basis points.
Noninterest income$12.9Mvs $421,000 a year earlier
Prior-year quarter included an $8.6 million pre-tax securities loss from portfolio restructuring.
Within Noninterest income
Bank-owned life insurance income$4.1M+94.4% YoY
Purchases of $150.0 million of new contracts in Q3 2025 and $25.0 million in Q2 2026.
Service charges on deposit accounts$3.3M+25.0% YoY
Service charge rates increased on many checking account products in July 2025.
Mortgage banking$2.2M+67.9% YoY
Primarily an increase in loans sold into the secondary market, plus a higher per-loan administrative fee.
Largest Expense Items
Salaries and employee benefits$26.3M+16.4% YoY
FTE employees increased by 25, or 3.8%, to 684 at June 30, 2026 from 659.
Provision for credit losses on loans$11.7M+$286,000 YoY
Allowance ended at $181.9 million, or 1.26% of loans, versus 1.28% a year earlier.
Third party processing and other services$8.0M-0.5% YoY
Filing gives no specific driver.
Other operating expenses$6.7M+23.8% YoY
Filing gives no specific driver.
Margins: Net interest margin rose to 3.63% from 3.10% as the cost of interest-bearing liabilities fell to 2.91% from 3.50%, outpacing a 14 bp decline in loan yields to 6.23%. Efficiency ratio improved to 29.65% from 33.46%.
Watch Items from the Filing
Nonperforming loans reached $171.0 million, 1.18% of total loans, versus $72.2 million or 0.55% at June 30, 2025; nonaccruals of $145.7 million carry no ACL allocation.
Non-owner occupied commercial real estate grew $520.2 million, or 11.3%, to $5.12 billion (35.39% of loans); total CRE is 30.1% Alabama and 26.5% Florida.
Estimated uninsured deposits of approximately $9.68 billion against total deposits of $14.55 billion, with $1.58 billion of federal funds purchased from correspondent banks.
Management identified a material weakness in internal control over financial reporting tied to a $41,516,000 cash flow misclassification in the Q1 2026 10-Q; it concluded remediation as of June 30, 2026.
Board declared a two-for-one stock split on July 20, 2026, raising shares outstanding from approximately 54.7 million to 109.3 million; per-share data here is pre-split.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
