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.
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ServisFirst Bancshares, Inc. (SFBS): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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