ServisFirst Bancshares (SFBS) Reports 32% Q4 Earnings Growth and 12% Annual Loan Increase
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 2h ago
0mins
Source: seekingalpha
- Strong Loan Growth: ServisFirst Bancshares reported a 12% annual loan growth for Q4 2025, aligning with projections and indicating robust market demand and effective credit management, which is expected to further drive future performance.
- Profitability Improvement: The bank achieved earnings per diluted share of $1.58 in Q4, a 32% increase from Q3 2025, with net income of $86.4 million for the quarter, reflecting effective strategies in cost control and revenue growth.
- Net Interest Margin Expansion: The net interest margin rose from 2.92% in Q1 to 3.38% in Q4, primarily due to disciplined loan pricing and reduced deposit rates, which are expected to continue supporting profitability going forward.
- Texas Team Expansion: The newly established Texas banking team is anticipated to drive significant growth in 2026, with management expressing high expectations for the team's budgeted growth, indicating a strategic focus on new market expansion.
Analyst Views on SFBS
Wall Street analysts forecast SFBS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SFBS is 84.50 USD with a low forecast of 80.00 USD and a high forecast of 89.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 78.260
Low
80.00
Averages
84.50
High
89.00
Current: 78.260
Low
80.00
Averages
84.50
High
89.00
About SFBS
ServisFirst Bancshares, Inc. is a bank holding company. Through its subsidiary, ServisFirst Bank (the Bank), provides business and personal financial services from locations in Atlanta, Birmingham, Charleston, Dothan, Huntsville, Mobile, Montgomery, North Carolina, Northwest Florida, Tennessee, Virgina Beach, and West Central Florida. The Bank’s principal business is to accept deposits from the public and to make loans and other investments. Through the bank, the Company originate commercial, consumer and other loans and accepts deposits, provides electronic banking services, such as online and mobile banking, including remote deposit capture, delivers treasury and cash management services and provides correspondent banking services to other financial institutions. The Bank offers a range of loans to retail customers in the communities. Its consumer loans include home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
