ServisFirst Bancshares
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ServisFirst Bancshares (SFBS) investor relations material

ServisFirst Bancshares Investor presentation summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Investor presentation summary5 Feb, 2026

Company overview and growth

  • Achieved 24% CAGR in organic asset growth since 2005, reaching $17.6 billion in assets and $1.8 billion in equity as of September 30, 2025.

  • Maintained profitability every quarter since inception, with a 16% CAGR in net income for common and 15% CAGR in diluted EPS over the past decade.

  • Tangible book value has grown at a 17% CAGR, and stock price increased over 5,000% since 2005.

  • Dividend has increased annually since IPO in 2014.

  • Expanded to 33 branches across the Southeast, with a focus on metropolitan markets.

Business model and strategy

  • Operates a simple, scalable, and decentralized model focused on loans and deposits, with limited branch footprint and strong use of technology.

  • Regional CEOs drive revenue and are empowered for local decision-making, supported by centralized risk management.

  • Targets mid-market commercial clients, professionals, and affluent consumers, emphasizing C&I and owner-occupied CRE lending.

  • Growth strategy centers on hiring top bankers in attractive markets and opportunistic expansion in the South.

Financial performance and efficiency

  • Maintains a core efficiency ratio of 34.56% and a net interest margin of 3.04% as of September 30, 2025.

  • Adjusted ROAA at 1.52% and adjusted ROAE at 15.85% for the nine months ended September 30, 2025.

  • Consistent earnings growth, with net income available to common stockholders reaching $190.2 million for the period.

  • Loan portfolio reached $13.3 billion, with $706 million YTD growth, and deposit base at $17.6 billion.

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Next ServisFirst Bancshares earnings date

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Q1 202620 Apr, 2026
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Q1 202620 Apr, 2026

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Frequently asked questions

ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. ServisFirst Bancshares offers a range of deposit services, including checking, savings, money market savings accounts, fixed-rate and adjustable-rate investment certificates, NOW accounts, or share draft accounts; and award-winning Internet banking services. It also provides personal loans to consumers; home equity lines of credit to real estate investors and homebuyers through its mortgage lending subsidiaries; whole loan participations to small commercial borrowers; a range of financial services products for small businesses, including equipment financing and working capital loans; small business deposit services through its subsidiary ServisFirst Federal Credit Union. In addition, the company operates an online virtual branch office offering full-service business checking accounts with credit cards and business debit cards to small businesses in Arkansas that are unable to receive such product offerings due to distance from traditional banks. ServisFirst Bancshares, Inc. is based in Birmingham, Alabama.

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