Servisfirst Bancshares Inc Financials

SFBS

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Servisfirst Bancshares Inc (SFBS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

5/9

Servisfirst Bancshares Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.11x

For every $1 of reported earnings, Servisfirst Bancshares Inc generates $1.11 in operating cash flow ($252.9M OCF vs $227.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Revenue

$946.1M

YoY+16.3%

5Y CAGR+19.3%

10Y CAGR+20.7%

Servisfirst Bancshares Inc generated $946.1M in revenue in fiscal year 2024. This represents an increase of 16.3% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$227.2M

YoY+9.9%

5Y CAGR+8.8%

10Y CAGR+15.8%

Servisfirst Bancshares Inc reported $227.2M in net income in fiscal year 2024. This represents an increase of 9.9% from the prior year.

EPS (Diluted)

$4.16

YoY+9.8%

5Y CAGR+8.6%

10Y CAGR+14.8%

Servisfirst Bancshares Inc earned $4.16 per diluted share (EPS) in fiscal year 2024. This represents an increase of 9.8% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.34

YoY+13.3%

5Y CAGR+14.2%

10Y CAGR+21.1%

Servisfirst Bancshares Inc paid $0.34 per share in dividends in fiscal year 2024. This represents an increase of 13.3% from the prior year.

Shares Outstanding

55M

YoY+0.2%

5Y CAGR+0.4%

10Y CAGR+8.2%

Servisfirst Bancshares Inc had 55M shares outstanding in fiscal year 2024. This represents an increase of 0.2% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.0%

YoY-1.4pp

5Y CAGR-14.2pp

10Y CAGR-12.2pp

Servisfirst Bancshares Inc's net profit margin was 24.0% in fiscal year 2024, showing the share of revenue converted to profit. This is down 1.4 percentage points from the prior year.

Return on Equity

14.1%

YoY-0.3pp

5Y CAGR-3.7pp

10Y CAGR+1.2pp

Servisfirst Bancshares Inc's ROE was 14.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

SFBS Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$946.1M+16.3%	$813.2M+45.4%	$559.3M+34.4%	$416.3M+7.0%	$389.0M-0.5%	$390.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$499.5M+24.1%	$402.3M+355.0%	$88.4M+178.0%	$31.8M-37.6%	$51.0M-50.6%	$103.2M
Income Tax	$51.7M+37.1%	$37.7M-34.2%	$57.3M+25.7%	$45.6M+2.2%	$44.6M+18.7%	$37.6M
Net Income	$227.2M+9.9%	$206.9M-17.8%	$251.5M+21.1%	$207.7M+22.5%	$169.6M+13.6%	$149.2M
EPS (Diluted)	$4.16+9.8%	$3.79-17.8%	$4.61+20.7%	$3.82+22.0%	$3.13+13.4%	$2.76

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$251.3M+1.9%	$246.6M+2.3%	$241.1M-1.1%	$243.9M+7.2%	$227.5M+0.4%	$226.7M-1.0%	$229.1M+7.4%	$213.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$117.9M+2.5%	$114.9M-2.2%	$117.5M-2.6%	$120.7M-0.8%	$121.7M-2.1%	$124.2M-2.5%	$127.4M+12.2%	$113.5M
Income Tax	$13.3M-12.7%	$15.2M-4.3%	$15.9M+11.8%	$14.2M-1.8%	$14.5M+36.3%	$10.6M+106.0%	$5.2M-39.7%	$8.5M
Net Income	$65.6M+6.8%	$61.4M-2.8%	$63.2M-3.0%	$65.2M+25.0%	$52.1M+4.2%	$50.0M+18.9%	$42.1M-21.1%	$53.3M
EPS (Diluted)	$1.20+7.1%	$1.12-3.4%	$1.16-2.5%	$1.19+25.3%	$0.95+3.3%	$0.92+19.5%	$0.77-21.4%	$0.98

SFBS Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$17.4B+7.6%	$16.1B+10.5%	$14.6B-5.5%	$15.4B+29.5%	$11.9B+33.4%	$8.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	$630.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$13.6M0.0%	$13.6M0.0%	$13.6M	N/A	N/A	N/A
Total Liabilities	$15.7B+7.1%	$14.7B+10.5%	$13.3B-7.0%	$14.3B+30.7%	$10.9B+35.0%	$8.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.6B+12.2%	$1.4B+11.0%	$1.3B+12.7%	$1.2B+16.0%	$992.4M+17.8%	$842.2M
Retained Earnings	$1.4B+12.6%	$1.3B+13.1%	$1.1B+21.8%	$911.0M+21.8%	$748.2M+21.3%	$616.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$17.6B+1.2%	$17.4B-6.8%	$18.6B+7.4%	$17.4B+8.1%	$16.0B+2.1%	$15.7B-2.5%	$16.1B+0.5%	$16.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M
Total Liabilities	$15.8B+0.9%	$15.7B-7.7%	$17.0B+7.8%	$15.7B+8.2%	$14.5B+2.1%	$14.2B-3.0%	$14.7B+0.3%	$14.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.8B+3.5%	$1.7B+3.2%	$1.7B+3.2%	$1.6B+7.0%	$1.5B+2.3%	$1.5B+2.5%	$1.4B+2.8%	$1.4B
Retained Earnings	$1.5B+3.2%	$1.5B+3.0%	$1.5B+3.2%	$1.4B+6.9%	$1.3B+2.6%	$1.3B+2.7%	$1.3B+2.1%	$1.2B

SFBS Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$252.9M+28.2%	$197.3M-27.6%	$272.6M+2.4%	$266.3M+39.2%	$191.3M+16.4%	$164.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$948.5M-373.2%	-$200.4M+92.4%	-$2.6B-69.3%	-$1.6B-10.6%	-$1.4B-42.8%	-$988.3M
Financing Cash Flow	$941.2M-28.6%	$1.3B+227.2%	-$1.0B-131.4%	$3.3B+18.0%	$2.8B+262.4%	$772.8M
Dividends Paid	$65.4M+43.1%	$45.7M+22.0%	$37.5M+15.2%	$32.5M+15.2%	$28.2M+17.4%	$24.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$140.9M+108.4%	$67.6M+41.0%	$48.0M-28.6%	$67.2M+39.2%	$48.3M-9.8%	$53.5M-41.3%	$91.1M+616.1%	$12.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$193.7M+46.5%	-$362.2M-18.4%	-$306.0M-8.5%	-$281.9M+39.5%	-$465.8M-64.1%	-$283.9M-930.7%	-$27.5M-118.6%	$148.3M
Financing Cash Flow	$115.2M+108.6%	-$1.3B-209.2%	$1.2B+48.1%	$831.1M+241.4%	$243.4M+154.1%	-$449.8M-18564.7%	$2.4M-99.7%	$926.4M
Dividends Paid	$18.3M0.0%	$18.3M+0.1%	$18.3M+11.7%	$16.4M+0.1%	$16.4M+0.1%	$16.3M+7.2%	$15.2M+54325.0%	$28K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SFBS Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.0%-1.4pp	25.4%-19.5pp	45.0%-4.9pp	49.9%+6.3pp	43.6%+5.4pp	38.2%
Return on Equity	14.1%-0.3pp	14.4%-5.0pp	19.4%+1.3pp	18.0%+1.0pp	17.1%-0.6pp	17.7%
Return on Assets	1.3%+0.0pp	1.3%-0.4pp	1.7%+0.4pp	1.3%-0.1pp	1.4%-0.2pp	1.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.74-0.5	10.20-0.0	10.25-2.2	12.42+1.4	11.02+1.4	9.62
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.1%+1.2pp	24.9%-1.3pp	26.2%-0.5pp	26.7%+3.8pp	22.9%+0.8pp	22.1%+3.7pp	18.4%-6.6pp	25.0%
Return on Equity	3.7%+0.1pp	3.6%-0.2pp	3.8%-0.2pp	4.0%+0.6pp	3.5%+0.1pp	3.4%+0.5pp	2.9%-0.9pp	3.8%
Return on Assets	0.4%+0.0pp	0.4%+0.0pp	0.3%-0.0pp	0.4%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.3%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.87-0.2	9.10-1.1	10.17+0.4	9.74+0.1	9.63-0.0	9.65-0.5	10.20-0.3	10.45
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Similar Companies

International Bancshares IBOC

$4.5B

Ameris Bancorp ABCB

$5.7B

Atlantic Un Bankshares Corp AUB

$5.7B

Bancfirst Corp BANF

$3.9B

Associated Banc Corp ASB

$4.7B

Frequently Asked Questions

What is Servisfirst Bancshares Inc's annual revenue?

Servisfirst Bancshares Inc (SFBS) reported $946.1M in total revenue for fiscal year 2024. This represents a 16.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Servisfirst Bancshares Inc's revenue growing?

Servisfirst Bancshares Inc (SFBS) revenue grew by 16.3% year-over-year, from $813.2M to $946.1M in fiscal year 2024.

Is Servisfirst Bancshares Inc profitable?

Yes, Servisfirst Bancshares Inc (SFBS) reported a net income of $227.2M in fiscal year 2024, with a net profit margin of 24.0%.

What is Servisfirst Bancshares Inc's earnings per share (EPS)?

Servisfirst Bancshares Inc (SFBS) reported diluted earnings per share of $4.16 for fiscal year 2024. This represents a 9.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Servisfirst Bancshares Inc's net profit margin?

Servisfirst Bancshares Inc (SFBS) had a net profit margin of 24.0% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Servisfirst Bancshares Inc pay dividends?

Yes, Servisfirst Bancshares Inc (SFBS) paid $0.34 per share in dividends during fiscal year 2024.

What is Servisfirst Bancshares Inc's return on equity (ROE)?

Servisfirst Bancshares Inc (SFBS) has a return on equity of 14.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Servisfirst Bancshares Inc's operating cash flow?

Servisfirst Bancshares Inc (SFBS) generated $252.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Servisfirst Bancshares Inc's total assets?

Servisfirst Bancshares Inc (SFBS) had $17.4B in total assets as of fiscal year 2024, including both current and long-term assets.

How many shares does Servisfirst Bancshares Inc have outstanding?

Servisfirst Bancshares Inc (SFBS) had 55M shares outstanding as of fiscal year 2024.

What is Servisfirst Bancshares Inc's debt-to-equity ratio?

Servisfirst Bancshares Inc (SFBS) had a debt-to-equity ratio of 9.74 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Servisfirst Bancshares Inc's return on assets (ROA)?

Servisfirst Bancshares Inc (SFBS) had a return on assets of 1.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Servisfirst Bancshares Inc's Piotroski F-Score?

Servisfirst Bancshares Inc (SFBS) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Servisfirst Bancshares Inc's earnings high quality?

Servisfirst Bancshares Inc (SFBS) has an earnings quality ratio of 1.11x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.