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ServisFirst (SFBS) Reports Q3 Earnings: What Key Metrics Have to Say

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For the quarter ended September 2026, ServisFirst Bancshares (SFBS - Free Report) reported revenue of $172.93 million, up 26.9% over the same period last year. EPS came in at $0.80, compared to $0.65 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $173.15 million, representing a surprise of -0.13%. The company delivered an EPS surprise of -3.61%, with the consensus EPS estimate being $0.83.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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:
  • Total Nonperforming Assets: $176.46 million versus $135.91 million estimated by two analysts on average.
  • Efficiency Ratio: 30.2% compared to the 29.3% average estimate based on two analysts.
  • Net charge-offs (recoveries) to total average loans: 0.2% versus the two-analyst average estimate of 0.2%.
  • Net Interest Margin: 3.6% versus the two-analyst average estimate of 3.6%.
  • Average Balance - Interest-earning Assets: $17.49 billion versus $17.65 billion estimated by two analysts on average.
  • Credit card income: $2.41 million versus $2.39 million estimated by two analysts on average.
  • Net Interest Income: $159.81 million compared to the $160.82 million average estimate based on two analysts.
  • Total Non-interest income: $13.11 million versus the two-analyst average estimate of $12.35 million.
  • Increase in cash surrender value life insurance (Bank-owned life insurance income): $4.34 million versus $4.08 million estimated by two analysts on average.
  • Service charges on deposit accounts: $3.45 million versus the two-analyst average estimate of $3.35 million.
  • Mortgage banking: $1.94 million versus $1.86 million estimated by two analysts on average.
  • Other Operating Income: $0.83 million compared to the $0.69 million average estimate based on two analysts.

View all Key Company Metrics for ServisFirst here>>>

Shares of ServisFirst have returned -5% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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