ServisFirst Bancshares, Inc. (SFBS) Income Statement
SFBS 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsSFBS revenue and net income
Where SFBS's revenue goes
2025Each bar shows an amount and its share of revenue. SFBS kept 27.2% of revenue as net income.
SFBS profit margins
SFBS growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.1% | +20.6% | +19.7% | +18.5% |
| Gross profit | +15.5% | +5.1% | +10.5% | +12.9% |
| Operating income | +22.6% | +3.5% | +9.8% | +14.4% |
| Net income | +21.7% | +3.2% | +10.3% | +15.8% |
| EPS (diluted) | +25.6% | +4.1% | +10.9% | +15.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
SFBS quarterly EPS vs estimates
ServisFirst Bancshares beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 19, 2026 (estimate $0.83).
SFBS income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.02B | $977.1M | $813.2M | $580.5M | $437.4M | $413.9M | $410.6M | $342.6M | $275.3M | $223.1M |
| Cost of revenue | $490.5M | $521.0M | $33.3M | $126.0M | $63.3M | $93.4M | $125.8M | $85.3M | $58.6M | $39.2M |
| Gross profit | $527.0M | $456.1M | $813.2M | $454.4M | $374.1M | $320.5M | $284.8M | $257.3M | $216.8M | $183.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $109.4M | $108.8M | $85.8M | $83.7M | $74.6M | $66.7M | $61.9M | $56.7M | $52.7M | $48.3M |
| Total operating expenses | $184.8M | $177.1M | −$810.2M | $145.6M | $120.8M | $106.3M | $97.9M | $88.4M | $79.4M | $73.1M |
| Operating income | $342.1M | $279.0M | $3.0M | $308.8M | $253.3M | $214.2M | $186.9M | $168.8M | $137.3M | $110.8M |
| Interest income | $990.4M | $946.1M | $754.5M | $559.3M | $416.3M | $389.0M | $390.8M | $326.6M | $262.8M | $212.9M |
| Interest expense | $455.2M | $499.5M | $402.3M | $88.4M | $31.8M | $51.0M | $103.2M | $63.9M | $35.3M | $25.8M |
| Income before taxes | $342.1M | $279.0M | $244.6M | $308.8M | $253.3M | $214.2M | $186.9M | $168.8M | $137.3M | $110.8M |
| Income taxes | $65.5M | $51.7M | $37.7M | $57.3M | $45.6M | $44.6M | $37.6M | $31.9M | $44.3M | $29.3M |
| Net income | $276.6M | $227.2M | $206.9M | $251.5M | $207.7M | $169.6M | $149.2M | $136.9M | $93.1M | $81.5M |
| EBITDA | $346.9M | $283.8M | $3.0M | $313.0M | $257.7M | $218.3M | $190.8M | $172.5M | $140.2M | $113.9M |
| EPS (diluted) | $5.25 | $4.18 | $3.93 | $4.66 | $3.86 | $3.13 | $2.74 | $2.53 | $1.79 | $1.48 |
| Gross margin | 51.8% | 46.7% | 100.0% | 78.3% | 85.5% | 77.4% | 69.4% | 75.1% | 78.7% | 82.4% |
| Operating margin | 33.6% | 28.6% | 0.4% | 53.2% | 57.9% | 51.8% | 45.5% | 49.3% | 49.9% | 49.7% |
| Net margin | 27.2% | 23.3% | 25.4% | 43.3% | 47.5% | 41.0% | 36.4% | 40.0% | 33.8% | 36.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $262.8M | $252.3M | $267.1M | $254.1M | $247.1M | $249.4M | $248.6M | $256.5M | $236.4M | $235.6M | $221.6M | $221.3M |
| Cost of revenue | $105.7M | $104.0M | $112.8M | $127.3M | $126.2M | $124.2M | $126.4M | $138.5M | $127.0M | $128.8M | $131.0M | $117.8M |
| Gross profit | $157.1M | $148.3M | $154.3M | $126.8M | $120.8M | $125.2M | $122.2M | $118.0M | $109.4M | $106.9M | $90.6M | $103.6M |
| Sales, general & admin | $42.9M | $30.8M | $27.6M | $31.0M | $25.3M | $25.7M | $28.0M | $27.4M | $26.4M | $26.9M | $34.1M | $22.4M |
| Total operating expenses | $50.0M | $47.4M | $46.7M | $48.0M | $44.2M | $46.1M | $42.8M | $45.6M | $42.8M | $46.2M | $43.4M | $41.7M |
| Operating income | $107.2M | $101.0M | $107.6M | $78.8M | $76.6M | $79.1M | $79.4M | $72.4M | $66.6M | $60.6M | $47.2M | $61.9M |
| Interest income | $249.9M | $241.5M | $251.4M | $251.3M | $246.6M | $241.1M | $243.9M | $248.0M | $227.5M | $226.7M | $229.1M | $213.2M |
| Interest expense | $94.2M | $93.3M | $104.9M | $117.9M | $114.9M | $117.5M | $120.7M | $132.9M | $121.7M | $124.2M | $127.4M | $113.5M |
| Income before taxes | $107.2M | $101.0M | $107.6M | $78.8M | $76.6M | $79.1M | $79.4M | $72.4M | $66.6M | $60.6M | $47.2M | $61.9M |
| Income taxes | $21.4M | $18.0M | $21.2M | $13.3M | $15.2M | $15.9M | $14.2M | $12.5M | $14.5M | $10.6M | $5.2M | $8.5M |
| Net income | $85.8M | $83.0M | $86.4M | $65.6M | $61.4M | $63.2M | $65.2M | $59.9M | $52.1M | $50.0M | $42.1M | $53.3M |
| EBITDA | $107.2M | $102.2M | $108.9M | $79.9M | $77.6M | $80.3M | $80.5M | $73.8M | $67.7M | $61.7M | $48.4M | $63.0M |
| EPS (diluted) | $1.57 | $1.52 | $1.58 | $1.30 | $1.21 | $1.16 | $1.19 | $1.10 | $0.95 | $0.94 | $0.91 | $0.98 |
| Gross margin | 59.8% | 58.8% | 57.8% | 49.9% | 48.9% | 50.2% | 49.2% | 46.0% | 46.3% | 45.4% | 40.9% | 46.8% |
| Operating margin | 40.8% | 40.0% | 40.3% | 31.0% | 31.0% | 31.7% | 31.9% | 28.2% | 28.2% | 25.7% | 21.3% | 28.0% |
| Net margin | 32.6% | 32.9% | 32.3% | 25.8% | 24.9% | 25.4% | 26.2% | 23.4% | 22.1% | 21.2% | 19.0% | 24.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in SFBS's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
SFBS financial results
In fiscal year 2025 (ended December 31, 2025), ServisFirst Bancshares reported revenue of $1.0 billion, up 4.1% from the year before. It had net income of $276.6 million (up 21.7%), a net profit margin of 27.2%. Diluted earnings per share came to $5.25. Over five years revenue grew at an average rate of 19.7% a year.
See the SFBS stock overview for the latest quote and news, or the SFBS chart for price history and technical indicators.
SFBS income statement FAQ
What is ServisFirst Bancshares's annual revenue?
ServisFirst Bancshares reported total revenue of $1.0 billion for fiscal year 2025, which ended on December 31, 2025. That was up 4.1% from $977.1 million the previous year.
Is ServisFirst Bancshares profitable?
Yes. ServisFirst Bancshares reported net income of $276.6 million in fiscal 2025, a net profit margin of 27.2%; its operating margin was 33.6%.
What is ServisFirst Bancshares's gross margin?
ServisFirst Bancshares's gross margin was 51.8% in fiscal 2025: for every $100 of revenue, ServisFirst Bancshares kept $52 after the direct cost of its products and services.
How fast is ServisFirst Bancshares growing?
Revenue grew 19.7% a year on average over the last five fiscal years, from $413.9 million to $1.0 billion.
What are ServisFirst Bancshares's earnings per share?
ServisFirst Bancshares earned $5.25 per diluted share in fiscal 2025, compared with $4.18 a year earlier.
When will ServisFirst Bancshares report its next earnings?
ServisFirst Bancshares is expected to report results for the quarter ending September 30, 2026 on October 19, 2026 after the market closes.
When does ServisFirst Bancshares's fiscal year end?
ServisFirst Bancshares's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.