ServisFirst Bancshares, Inc. (SFBS) FY2025 10-K Annual Report
ServisFirst Bancshares, Inc. (SFBS) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
ServisFirst Bancshares, Inc. FY2025 10-K Analysis
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
ServisFirst Bancshares, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$990M
▲ +4.7% YoY
Net Income
$277M
▲ +21.7% YoY
Net Margin
27.9%
▲ +391bp YoY
ROE
15.0%
▲ +89bp YoY
Total Assets
$17.7B
▲ +2.2% YoY
EPS (Diluted)
$5.06
▲ +21.6% YoY
Operating Cash Flow
$355M
▲ +40.4% YoY
Source: XBRL data from ServisFirst Bancshares, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on ServisFirst Bancshares, Inc.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.