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ServisFirst Bancshares (SFBS) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · ServisFirst Bancshares (SFBS) Q3 2026 earnings results →

Q3 2026 Revenue up 27% year over year to $173M · 50¢ of every $1 of revenue kept as net profit · operating margin 61.0%

ServisFirst Bancshares made $173M in Q3 2026 (+27% Y/Y): Net interest income $160M, Noninterest income $13.1M. Operating margin 61.0%, net earnings $87.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.

Revenue$173M
Year over year+27%
Operating margin61.0%
Net earnings$87.3M
Operating cash flow$82.4M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $172.9M in Q3 2026, up 27% year over year and up 3% from the previous quarter. Net interest income was the largest line at 92% of revenue. Net interest income added $26.4M year over year (up 20%), 72% of the total change.

Operating profit was $105.5M, a 61.0% margin (up 3.1 points year over year). Of the extra revenue versus a year earlier, 73% reached operating profit, above the 58% margin then. Total costs grew 17% against revenue growth of 27%. The fastest-growing cost line was Credit loss provision (+61%). Net earnings were $87.3M, up 33% year over year. The effective tax rate was 17.2%.

Operating cash flow was $82.4M (down 42% year over year), 94% of net earnings. Non-cash charges added back $631K of depreciation and $0.9M of share-based compensation. Working capital and other items used $6.5M. Capital expenditures of $4.4M left free cash flow of $78.0M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 4, 2026$173M+27%61.0%$87.3M$82.4M

Charts

ServisFirst Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026ServisFirst Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$1.3BCash drawn (+) / kept (−)$588MOperating cash flow$414MOther financing$347MTaxes on employees’ shares−$882KShares issued$658K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
ServisFirst Bancshares: profit against cash, quarter by quarterServisFirst Bancshares: profit against cash, quarter by quarterNet incomeOperating cash flow$65.2M$67.2MQ4 2024$63.2M$48.0MQ1 2025$61.4M$67.6MQ2 2025$65.6M$141MQ3 2025$86.4M$98.8MQ4 2025$83.0M$70.1MQ1 2026$85.8M$163MQ2 2026$87.3M$82.4MQ3 2026
Latest (Q3 2026): Net income $87.3M, Operating cash flow $82.4M.
ServisFirst Bancshares: diluted shares by fiscal yearServisFirst Bancshares: diluted shares by fiscal year54MFY202054MFY202155MFY202255MFY202355MFY202455MFY2025
+0.8% since FY2020: more shares outstanding (issuance, stock pay).
ServisFirst Bancshares in its industry: growth against margin (133 companies, SIC 6022)ServisFirst Bancshares in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFSFBS (+27%, 61%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About ServisFirst Bancshares

We are a bank holding company within the meaning of the Bank Holding Company Act of 1956 and are headquartered in Birmingham, Alabama. Through our wholly-owned subsidiary bank, we operate 33 full-service banking offices located in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. We also operate a loan production office in Florida. Through our bank, we originate commercial, consumer and other loans and accept deposits, provide electronic banking services, such as online and mobile banking, including remote deposit capture, deliver treasury and cash management services and provide correspondent banking services to other financial institutions.

In its own words, from its 10-K, filed Feb 27, 2026.

ServisFirst Bancshares against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +27% against the peers' median +12%. Operating margin: 61.0% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
SFBS ServisFirst BancsharesQ3 2026$173M+27%61.0%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: ServisFirst Bancshares 10-Q on SEC EDGAR · CIK 1430723 · State Commercial Banks

Guidance and outlook

ServisFirst Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-04)ServisFirst Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-04)Other7Supply chain2Capital spending2The economy1Costs1
13 statements; tone -0.08 (−1 all cautious, +1 all confident); 4 hedged.
ServisFirst Bancshares: outlook statements against the filing beforeServisFirst Bancshares: outlook statements against the filing beforeConfident3Cautious4

13F: who owns SFBS and who is buying

Largest holders of SFBS (13F)Largest holders of SFBS (13F)BlackRock$671MVanguard Group$437MVanguard Portfolio Management LLC$298MState Street$230MVanguard Capital Management LLC$201MGeode Capital Management, LLC$113MDimensional Fund Advisors LP$104MKayne Anderson Rudnick Investment…$93.3MPrincipal Financial Group$85.5MDavis Asset Management, L.P.$79.0M
Funds' net buying of SFBS by quarter (13F)Funds' net buying of SFBS by quarter (13F)$37.0M2024-09−$11.4M2024-12$40.8M2025-03$93.6M2025-06−$119M2025-09$45.7M2025-12−$13.8M2026-03$62.7M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on SFBS

History

Every quarter: Q3 2026 results

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中文版：ServisFirst Bancshares（SFBS）财报

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