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ServisFirst (SFBS) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

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ServisFirst Bancshares (SFBS - Free Report) reported $158.99 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 20.6%. EPS of $1.54 for the same period compares to $1.16 a year ago.

The reported revenue represents a surprise of -2.67% over the Zacks Consensus Estimate of $163.36 million. With the consensus EPS estimate being $1.53, the EPS surprise was +0.98%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how ServisFirst performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 29.8% versus 29.9% estimated by two analysts on average.
  • Net charge-offs (recoveries) to total average loans: 0.3% compared to the 0.2% average estimate based on two analysts.
  • Net Interest Margin: 3.5% compared to the 3.5% average estimate based on two analysts.
  • Average Balance - Interest-earning Assets: $17.05 billion versus the two-analyst average estimate of $17.61 billion.
  • Credit card income: $2.2 million versus the two-analyst average estimate of $2.04 million.
  • Net Interest Income: $148.15 million versus $153.04 million estimated by two analysts on average.
  • Total Non-interest income: $10.84 million versus $10.31 million estimated by two analysts on average.
  • Increase in cash surrender value life insurance (Bank-owned life insurance income): $2.82 million versus the two-analyst average estimate of $3.67 million.
  • Service charges on deposit accounts: $3.3 million versus the two-analyst average estimate of $3.17 million.
  • Mortgage banking: $1.89 million compared to the $0.73 million average estimate based on two analysts.
  • Other Operating Income: $0.63 million versus the two-analyst average estimate of $0.71 million.

View all Key Company Metrics for ServisFirst here>>>

Shares of ServisFirst have returned +7.7% over the past month versus the Zacks S&P 500 composite's +6.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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