SFBS ServisFirst Bancshares, Inc.
FY2025 10-K
ServisFirst Bancshares, Inc. (SFBS) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Community banking focused on loan originations and core deposit funding to maintain liquidity and support growth
- • Emphasis on credit risk management with allowance for credit losses using updated economic forecast models (unemployment, GDP)
Management Discussion & Analysis
- • Revenue $562.4M (net interest income $535.2M + noninterest income $27.2M), net interest income up 19.8% YoY from $446.7M; total revenue up 8.2% YoY from $520.0M
- • Operating margin approx. 60.3% (income before income taxes $342.1M / revenue $562.4M) vs prior year 53.6% ($279.0M / $520.0M); net interest margin 3.12% vs 2.82% YoY
Risk Factors
- • Cybersecurity risk managed by Information Security Officer with 20+ years experience and CISSP certification
- • Board-level Information Technology Steering Committee meets monthly, overseeing cybersecurity incidents and response actions
Financial SummaryXBRL
Revenue
$990M
Net Income
$277M
Net Margin
27.9%
ROE
15.0%
Total Assets
$17.7B
EPS (Diluted)
$5.06
Operating Cash Flow
$355M
Source: XBRL data from ServisFirst Bancshares, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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