Compared to Estimates, ServisFirst (SFBS) Q3 Earnings: A Look at Key Metrics

For the quarter ended September 2025, ServisFirst Bancshares (SFBS) reported revenue of $136.28 million, up 10.2% over the same period last year. EPS came in at $1.30, compared to $1.10 in the year-ago quarter.

The reported revenue represents a surprise of -8.41% over the Zacks Consensus Estimate of $148.8 million. With the consensus EPS estimate being $1.38, the EPS surprise was -5.8%.

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:

• Efficiency Ratio: 35.2% versus the two-analyst average estimate of 31.5%.
• Net charge-offs (recoveries) to total average loans: 0.3% compared to the 0.2% average estimate based on two analysts.
• Net Interest Margin: 3.1% versus 3.2% estimated by two analysts on average.
• Average Balance - Interest-earning Assets: $17.13 billion versus the two-analyst average estimate of $17.39 billion.
• Credit card income: $2.41 million versus $2.28 million estimated by two analysts on average.
• Net Interest Income: $133.45 million versus the two-analyst average estimate of $139.64 million.
• Total Non-interest income: $2.83 million compared to the $9.15 million average estimate based on two analysts.
• Increase in cash surrender value life insurance (Bank-owned life insurance income): $2.41 million compared to the $2.12 million average estimate based on two analysts.
• Service charges on deposit accounts: $3.32 million compared to the $2.73 million average estimate based on two analysts.
• Mortgage banking: $1.86 million versus $1.28 million estimated by two analysts on average.
• Other Operating Income: $0.66 million compared to the $0.83 million average estimate based on two analysts.

View all Key Company Metrics for ServisFirst here>>>

Shares of ServisFirst have returned -10.7% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

 
ServisFirst Bancshares, Inc. (SFBS): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

Zacks Investment Research