ServisFirst Q3 EPS $0.80, Up 33% YoY; Loans Grow 11%
SFBS sits 15% above its 52-week low of $33.6.
Summary
ServisFirst reported Q3 2026 EPS of $0.80, up 33% year-over-year, on $87.3 million of net income, with loans up 11% and the margin holding at 3.63%; the provision for credit losses rose to $15.2 million.
Key Events · Earnings and Guidance · SFBS
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Q3 EPS $0.80, Up 33% YoY
Net income of $87.3 million and diluted EPS of $0.80 versus $0.60 in Q3 2025 and $0.78 in Q2 2026.
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Margin Holds at 3.63%
Net interest income rose to $159.8 million from $133.4 million a year ago; NIM up 54 basis points year-over-year and 5 basis points higher excluding last quarter's loan recovery.
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Credit Costs Climb
Provision for credit losses increased to $15.2 million from $11.4 million linked quarter; net charge-offs were 0.21% of average loans versus 0.11% in Q2, with nonperforming assets steady at 0.96% of assets.
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Loans and Deposits Grow
Ending loans rose 10.7% year-over-year to $14.74 billion and noninterest-bearing demand deposits grew 12% to $2.91 billion, though total deposits slipped 3.2% from Q2.
Analysis · SFBS · Finance
ServisFirst delivered a strong third quarter, with net income of $87.3 million and diluted EPS of $0.80, up 33% from $0.60 a year ago and ahead of the $0.78 posted last quarter. Net interest income rose to $159.8 million as the margin held at 3.63%, up 54 basis points year-over-year, and the efficiency ratio improved to 30.20% from 35.22%. The offset is credit: the provision for loan losses climbed to $15.2 million from $11.7 million linked quarter and net charge-offs doubled to 0.21% of average loans, with nonperforming assets steady at 0.96% of assets. Capital remains solid at a 11.98% CET1 ratio, and the company reiterated the buyback announced October 14. The quarter supports the earnings base, but the rising provisioning is the item to weigh against the headline beat.
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At the time of this filing, SFBS was trading at $38.75 on NYSE in the Finance sector, with a market capitalization of approximately $4.2B. The 52-week trading range was $33.60 to $46.04. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.