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ServisFirst (SFBS) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended June 2026, ServisFirst Bancshares (SFBS - Free Report) reported revenue of $168.53 million, up 19.8% over the same period last year. EPS came in at $1.57, compared to $1.21 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $167.92 million, representing a surprise of +0.36%. The company has not delivered EPS surprise, with the consensus EPS estimate being $1.57.

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: 29.7% compared to the 29.5% average estimate based on two analysts.
  • Net charge-offs (recoveries) to total average loans: 0.1% versus 0.2% estimated by two analysts on average.
  • Net Interest Margin: 3.6% compared to the 3.6% average estimate based on two analysts.
  • Average Balance - Interest-earning Assets: $17.25 billion compared to the $17.47 billion average estimate based on two analysts.
  • Credit card income: $2.49 million versus the two-analyst average estimate of $2.18 million.
  • Net Interest Income: $155.64 million versus $156.34 million estimated by two analysts on average.
  • Total Non-interest income: $12.89 million versus the two-analyst average estimate of $11.57 million.
  • Increase in cash surrender value life insurance (Bank-owned life insurance income): $4.13 million compared to the $3.72 million average estimate based on two analysts.
  • Service charges on deposit accounts: $3.34 million versus the two-analyst average estimate of $3.34 million.
  • Mortgage banking: $2.22 million versus the two-analyst average estimate of $1.74 million.
  • Other Operating Income: $0.71 million compared to the $0.61 million average estimate based on two analysts.

View all Key Company Metrics for ServisFirst here>>>

Shares of ServisFirst have returned +8.1% over the past month versus the Zacks S&P 500 composite's +0.6% 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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