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ServisFirst Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$82.4M in Q3 2026 · $414M over twelve months

Operating cash flow$82.4M
Free cash flow+$82.4M
Cash / net income0.9×

Analysis

In Q3 2026, ServisFirst Bancshares generated $82.4M of operating cash flow. That is $58.5M less than in Q3 2025 ($141M).

Over the twelve months to Sep 30, 2026, operating cash flow was $414M; the largest uses were other investing ($1.3B), taxes on employees’ shares ($882K); besides operations, cash came from other financing ($347M), shares issued ($658K); the cash balance fell by $588M.

Operating cash flow was $82.4M against net income of $87.3M — 0.9× profit, roughly in line with earnings. The largest differences: other operating capital −$29.3M, impairments +$17.4M, deferred taxes −$1.8M.

Free cash flow

ServisFirst Bancshares: free cash flow by quarterServisFirst Bancshares: free cash flow by quarter$67.2MQ4 2024$48.0MQ1 2025$67.6MQ2 2025$141MQ3 2025$98.8MQ4 2025$70.1MQ1 2026$163MQ2 2026$82.4MQ3 2026
Operating cash flow less capital spending.
ServisFirst Bancshares: operating cash flow against capital spendingServisFirst Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$67.2M$0Q4 2024$48.0M$0Q1 2025$67.6M$0Q2 2025$141M$0Q3 2025$98.8M$0Q4 2025$70.1M$0Q1 2026$163M$0Q2 2026$82.4M$0Q3 2026
Latest (Q3 2026): Operating cash flow $82.4M, Capital spending $0.

Capital allocation, year by year

ServisFirst Bancshares: where the cash came from (up) and went (down), by fiscal yearServisFirst Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedDividendsFY2021: Operating cash flow $266MFY2021: Net borrowing $90.6MFY2021: Shares issued $3.5MFY2021: Dividends −$32.5M$360MFY2021FY2022: Operating cash flow $273MFY2022: Net borrowing $104MFY2022: Shares issued $1.2MFY2022: Dividends −$37.5M$377MFY2022FY2023: Operating cash flow $197MFY2023: Shares issued $1.3MFY2023: Dividends −$45.7M$199MFY2023FY2024: Operating cash flow $253MFY2024: Shares issued $916KFY2024: Dividends −$65.4M$254MFY2024FY2025: Operating cash flow $355MFY2025: Shares issued $610KFY2025: Dividends −$73.2M$356MFY2025
Over these 5 years operating cash flow totalled $1.3B; the largest uses were dividends ($254M). Cash-flow statements as filed.

Where the cash came from and went

ServisFirst Bancshares: sources (+) and uses (−) of cash, Q3 2026ServisFirst Bancshares: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$271MOther investing−$257MOther financing−$96.5MOperating cash flow$82.4MTaxes on employees’ shares−$79K
ServisFirst Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026ServisFirst Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.3BCash drawn (+) / kept (−)$588MOperating cash flow$414MOther financing$347MTaxes on employees’ shares−$882KShares issued$658K

From profit to cash

ServisFirst Bancshares: net income to operating cash flow, Q3 2026ServisFirst Bancshares: net income to operating cash flow, Q3 2026Net income$87.3MDepreciation & amortization$631KStock-based pay$950KDeferred taxes−$1.8MImpairments$17.4MOther operating capital−$29.3MOperating cash flow$82.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$82.4M——$271M$82.4M
Q2 2026$163M—−$1K$380M$163M
Q1 2026$70.1M—$659K−$210M$70.1M
Q4 2025$98.8M−$18.3M—$147M$98.8M
Q3 2025$141M−$18.3M$77K−$62.4M$141M
Q2 2025$67.6M−$18.3M$303K$1.6B$67.6M
Q1 2025$48.0M−$18.3M$230K−$973M$48.0M
Q4 2024$67.2M−$16.4M$311K−$616M$67.2M

ServisFirst Bancshares: income statement and cash flow

ServisFirst Bancshares, Q3 2026: revenue $173M (+27% year over year), operating margin 61.0%. The chart follows the revenue to costs, profit and cash.

ServisFirst Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.