ServisFirst Bancshares, Inc. (SFBS) Balance Sheet
SFBS balance sheet, 2025
December 31, 2025 · U.S. dollars$17.73B assets = $15.88B liabilities + $1.85B equity
Both columns are drawn to the same scale: what SFBS owns equals what it owes plus shareholders’ equity. Hover a block for its value.
SFBS financial health
Descriptive bands, not a rating. Fiscal 2025.
SFBS balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $6.37B2016 | $17.73B2025 | +12.0%/yr | |
| Total liabilities | $5.85B2016 | $15.88B2025 | +11.7%/yr | |
| Shareholders’ equity | $522.9M2016 | $1.85B2025 | +15.1%/yr | |
| Cash & short-term investments | $1.05B2016 | $1.16B2025 | +1.2%/yr | |
| Total debt | $466.5M2016 | $1.51B2025 | +13.9%/yr | |
| Net cash (debt) | $579.5M2016 | −$342.4M2025 | −$921.9M | |
| Working capital | $490.6M2016 | −$2.99B2025 | −$3.5B | |
| Book value per share | $9.752016 | $16.922025 | +6.3%/yr | |
| Debt / equity | 0.892016 | 0.812025 | −0.08 | |
| Shares outstanding | 53.6M2016 | 109.3M2025 | +8.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
SFBS assets
SFBS liabilities and equity
SFBS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
SFBS balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $1.16B | $2.82B | $2.86B | $1.46B | $5.01B | $3.10B | $1.29B | $1.05B | $776.1M | $1.05B |
| Cash & equivalents | $95.1M | $2.38B | $2.03B | $814.5M | $4.16B | $2.21B | $530.1M | $458.1M | $238.1M | $623.6M |
| Short-term investments | $1.07B | $443.0M | $825.9M | $644.8M | $842.6M | $886.7M | $759.4M | $590.2M | $538.1M | $422.4M |
| Receivables | $62.0M | $62.8M | $59.2M | $48.4M | $34.8M | $36.8M | $26.3M | $24.1M | $20.7M | $15.8M |
| Inventory | $0 | $0 | $64.2M | $248,000 | −$4.26B | −$2.25B | −$665.0M | −$711.1M | $6.7M | $5.0M |
| Other current assets | $0 | $0 | $0 | $0 | $4.26B | $2.25B | $665.0M | $711.1M | $0 | $0 |
| Total current assets | $1.16B | $2.88B | $2.92B | $1.51B | $5.04B | $3.13B | $1.32B | $1.07B | $645.0M | $495.0M |
| Property, plant & equipment (net) | $60.4M | $59.2M | $59.3M | $59.9M | $60.3M | $55.0M | $56.5M | $57.8M | $58.9M | $40.3M |
| Goodwill & intangible assets | $13.6M | $13.6M | $27.2M | $27.2M | $27.2M | $27.5M | $27.8M | $28.0M | $28.3M | $28.6M |
| Long-term investments | $1.73B | $1.88B | $1.88B | $1.68B | $1.31B | $9.32B | $759.6M | $7.08B | $6.36B | $5.37B |
| Other non-current assets | $14.76B | $12.52B | $11.24B | $11.32B | $9.01B | $0 | $6.79B | $0 | $0 | $441.2M |
| Total assets | $17.73B | $17.35B | $16.13B | $14.60B | $15.45B | $11.93B | $8.95B | $8.01B | $7.08B | $6.37B |
| Liabilities | ||||||||||
| Accounts payable | $30.0M | $28.0M | $27.5M | $18.6M | $13.6M | $12.3M | $11.9M | $10.4M | $5.0M | $4.4M |
| Short-term debt | $1.47B | $1.99B | $1.26B | $1.62B | $1.72B | $854.6M | $473.8M | $288.7M | $200,000 | $411.2M |
| Deferred revenue | — | — | −$27.5M | −$1.60B | −$1.70B | −$842.2M | −$461.8M | −$278.3M | −$297.0M | −$351.9M |
| Total current liabilities | $4.16B | $15.57B | $14.56B | $13.18B | $13.6M | $12.3M | $11.9M | $7.21B | $5.0M | $4.4M |
| Long-term debt | $34.8M | $64.7M | $64.7M | $64.7M | $64.7M | $64.7M | $64.7M | $64.7M | $64.8M | $55.3M |
| Other long-term liabilities | $15.84B | $104.9M | $66.7M | $48.9M | $0 | $0 | $0 | $12.7M | $0 | $0 |
| Total liabilities | $15.88B | $15.73B | $14.69B | $13.30B | $14.30B | $10.94B | $8.10B | $7.29B | $6.47B | $5.85B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $53,000 | $217.7M | $185.4M |
| Retained earnings (deficit) | $1.61B | $1.41B | $1.25B | $1.11B | $911.0M | $748.2M | $616.6M | $500.9M | $389.6M | $307.2M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$1.8M | −$32.2M | −$47.6M | −$42.3M | $14.1M | $20.2M | $5.7M | −$4.7M | −$241,000 | −$624,000 |
| Minority interest | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | — | $502,000 | $502,000 | $377,000 |
| Total shareholders' equity | $1.85B | $1.62B | $1.44B | $1.30B | $1.15B | $992.9M | $842.7M | $714.7M | $607.6M | $522.9M |
| Key figures | ||||||||||
| Total debt | $1.51B | $2.06B | $1.32B | $1.68B | $1.78B | $919.3M | $538.5M | $353.4M | $65.0M | $466.5M |
| Net cash (debt) | −$342.4M | $760.1M | $1.53B | −$224.2M | $3.23B | $2.18B | $751.1M | $694.8M | $711.1M | $579.5M |
| Working capital | −$2.99B | −$12.68B | −$11.64B | −$11.68B | $5.03B | $3.12B | $1.30B | −$6.14B | $640.0M | $490.6M |
| Tangible book value | $1.84B | $1.60B | $1.41B | $1.27B | $1.12B | $965.3M | $814.9M | $686.7M | $579.3M | $494.3M |
| Book value per share | $16.92 | $14.79 | $13.20 | $11.90 | $21.16 | $18.31 | $15.58 | $6.60 | $11.23 | $9.75 |
| Shares outstanding | 109.3M | 109.3M | 109.1M | 109.1M | 54.4M | 54.2M | 54.1M | 108.3M | 54.1M | 53.6M |
| Current ratio | 0.28 | 0.19 | 0.20 | 0.11 | 370.15 | 254.30 | 110.26 | 0.15 | 129.74 | 112.48 |
| Quick ratio | 0.29 | 0.19 | 0.20 | 0.11 | 370.15 | 254.30 | 110.26 | 0.15 | 160.29 | 241.25 |
| Debt / equity | 0.81 | 1.27 | 0.92 | 1.30 | 1.55 | 0.93 | 0.64 | 0.49 | 0.11 | 0.89 |
| Equity / assets | 10.4% | 9.3% | 8.9% | 8.9% | 7.5% | 8.3% | 9.4% | 8.9% | 8.6% | 8.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $3.10B | $2.04B | $2.19B | $1.72B | $1.82B | $3.80B | $2.82B | $2.90B | $2.44B | $2.35B | $2.86B | $2.81B |
| Cash & equivalents | $1.46B | $1.32B | $1.12B | $1.34B | $1.38B | $3.34B | $2.38B | $1.76B | $1.27B | $1.28B | $2.03B | $1.97B |
| Short-term investments | $1.64B | $725.6M | $1.07B | $386.5M | $447.4M | $457.9M | $443.0M | $1.14B | $1.17B | $1.07B | $825.9M | $834.8M |
| Receivables | $61.9M | $70.1M | $62.0M | $63.6M | $61.8M | $70.5M | $62.8M | $61.6M | $62.9M | $61.4M | $59.2M | $56.5M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$1.34B | −$1.37B | −$1.51B | −$1.08B | −$2.18B |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.34B | $1.37B | $1.51B | $1.08B | $2.18B |
| Total current assets | $3.11B | $2.11B | $2.25B | $1.79B | $1.89B | $3.87B | $2.88B | $2.96B | $2.50B | $2.42B | $2.92B | $2.87B |
| Property, plant & equipment (net) | $63.6M | $62.1M | $60.4M | $60.7M | $60.0M | $59.4M | $59.2M | $61.3M | $59.2M | $59.3M | $59.3M | $59.5M |
| Goodwill & intangible assets | $13.6M | $13.6M | $13.6M | $13.6M | $13.6M | $13.6M | $13.6M | $13.6M | $27.2M | $13.6M | $27.2M | $27.2M |
| Long-term investments | $1.63B | $1.68B | $1.73B | $1.85B | $1.91B | $1.91B | $1.88B | $1.87B | $1.94B | $1.94B | $1.88B | $1.88B |
| Other non-current assets | $13.52B | $14.30B | $13.67B | $13.87B | $13.50B | $12.79B | $12.52B | $11.55B | $11.52B | $11.29B | $11.24B | $11.21B |
| Total assets | $18.34B | $18.17B | $17.73B | $17.58B | $17.38B | $18.64B | $17.35B | $16.45B | $16.05B | $15.72B | $16.13B | $16.04B |
| Liabilities | ||||||||||||
| Accounts payable | $27.9M | $29.1M | $30.0M | $28.3M | $27.4M | $29.1M | $28.0M | $26.6M | $25.3M | $26.8M | $27.5M | $24.7M |
| Short-term debt | $1.58B | $1.55B | $1.47B | $1.49B | $1.60B | $2.36B | $1.99B | $1.54B | $1.10B | $1.35B | $1.26B | $1.37B |
| Deferred revenue | — | — | — | — | — | — | — | — | −$25.3M | −$26.8M | −$27.5M | −$1.35B |
| Total current liabilities | $1.58B | $16.06B | $15.72B | $15.62B | $15.49B | $16.82B | $15.57B | $14.72B | $14.38B | $14.12B | $14.56B | $14.54B |
| Long-term debt | $34.8M | $34.8M | $34.8M | $64.8M | $64.7M | $64.7M | $64.7M | $64.7M | $64.7M | $64.7M | $64.7M | $64.8M |
| Other long-term liabilities | $14.75B | $161.5M | $121.4M | $114.5M | $103.3M | $86.7M | $104.9M | $98.4M | $92.7M | $57.3M | $66.7M | $40.8M |
| Total liabilities | $16.37B | $16.26B | $15.88B | $15.80B | $15.66B | $16.97B | $15.73B | $14.88B | $14.54B | $14.25B | $14.69B | $14.64B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $55,000 | $55,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 | $54,000 |
| Retained earnings (deficit) | $1.74B | $1.68B | $1.61B | $1.55B | $1.50B | $1.46B | $1.41B | $1.37B | $1.32B | $1.29B | $1.25B | $1.23B |
| Accumulated other comprehensive income | −$2.5M | −$2.7M | −$1.8M | −$4.2M | −$16.3M | −$25.1M | −$32.2M | −$31.6M | −$46.5M | −$46.6M | −$47.6M | −$59.8M |
| Minority interest | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | — | — | — | — | — | — | — |
| Total shareholders' equity | $1.98B | $1.91B | $1.85B | $1.78B | $1.72B | $1.67B | $1.62B | $1.57B | $1.51B | $1.48B | $1.44B | $1.40B |
| Key figures | ||||||||||||
| Total debt | $1.61B | $1.58B | $1.51B | $1.55B | $1.66B | $2.42B | $2.06B | $1.61B | $1.16B | $1.41B | $1.32B | $1.44B |
| Net cash (debt) | $1.48B | $462.7M | $684.2M | $169.1M | $160.7M | $1.38B | $760.1M | $1.29B | $1.28B | $944.1M | $1.53B | $1.37B |
| Working capital | $1.53B | −$13.95B | −$13.47B | −$13.84B | −$13.60B | −$12.95B | −$12.68B | −$11.76B | −$11.88B | −$11.71B | −$11.64B | −$11.67B |
| Tangible book value | $1.96B | $1.90B | $1.84B | $1.77B | $1.71B | $1.65B | $1.60B | $1.56B | $1.48B | $1.46B | $1.41B | $1.37B |
| Book value per share | $18.09 | $17.49 | $16.92 | $16.29 | $15.74 | $15.31 | $14.79 | $14.36 | $13.83 | $13.51 | $13.20 | $12.84 |
| Shares outstanding | 109.4M | 109.4M | 109.4M | 109.3M | 109.3M | 109.0M | 109.3M | 109.3M | 109.2M | 109.2M | 109.1M | 109.1M |
| Current ratio | 1.97 | 0.13 | 0.14 | 0.11 | 0.12 | 0.23 | 0.19 | 0.20 | 0.17 | 0.17 | 0.20 | 0.20 |
| Quick ratio | 2.00 | 0.13 | 0.14 | 0.11 | 0.12 | 0.23 | 0.19 | 0.20 | 0.17 | 0.17 | 0.20 | 0.20 |
| Debt / equity | 0.82 | 0.83 | 0.81 | 0.87 | 0.97 | 1.45 | 1.27 | 1.02 | 0.77 | 0.96 | 0.92 | 1.02 |
| Equity / assets | 10.8% | 10.5% | 10.4% | 10.1% | 9.9% | 9.0% | 9.3% | 9.5% | 9.4% | 9.4% | 8.9% | 8.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
SFBS financial position
At the end of fiscal 2025 (December 31, 2025), ServisFirst Bancshares had total assets of $17.7 billion (up 2.2% from a year earlier), total liabilities of $15.9 billion and shareholders' equity of $1.8 billion. It held $1.2 billion in cash and short-term investments against $1.5 billion of debt, net debt of $342.4 million. Its current ratio was 0.28. In the latest quarter (ended June 30, 2026) total assets were $18.3 billion and equity $2.0 billion.
Related: SFBS income statement, SFBS cash flow statement, SFBS key metrics. See the SFBS stock overview for the latest quote and news.
SFBS balance sheet FAQ
What are ServisFirst Bancshares's total assets?
ServisFirst Bancshares reported total assets of $17.7 billion at the end of fiscal 2025 (December 31, 2025), compared with $17.4 billion a year earlier.
How much debt does ServisFirst Bancshares have?
ServisFirst Bancshares had $1.5 billion of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.81.
How much cash does ServisFirst Bancshares have?
ServisFirst Bancshares held $1.2 billion in cash and short-term investments at the end of fiscal 2025; with $1.5 billion of debt that is net debt of $342.4 million.
What is ServisFirst Bancshares's book value?
ServisFirst Bancshares's shareholders' equity (book value) was $1.8 billion at the end of fiscal 2025, or $16.92 per share.
What is ServisFirst Bancshares's current ratio?
ServisFirst Bancshares had current assets of $1.2 billion and current liabilities of $4.2 billion, a current ratio of 0.28 (current liabilities exceed current assets).
How much goodwill does ServisFirst Bancshares have?
ServisFirst Bancshares carried $13.6 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.