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ServisFirst Bancshares (SFBS) guidance and outlook

ServisFirst Bancshares' 10-Q filed Nov 4, 2026 makes 13 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 4, 2026

• In addition, we have the ability to hold these securities within the portfolio until maturity or until the value recovers, and we believe that it is not likely that we will be required to sell these securities prior to recovery.
• There can be no assurance that we will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.
• The level of ACL is based on our evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers' ability to repay a loan, the estimated value of any underlying collateral, composition of the loan portfolio and other relevant factors.
• We believe the ACL is adequate to absorb all expected future losses to be recognized over the contractual life of the loans in the portfolio.
• The historical loss experience estimate by pool is then adjusted by forecast factors that are quantitatively related to the Company’s historical credit loss experience, such as national unemployment rates and gross domestic product.
• In addition, a loan will be placed on nonaccrual status before it becomes 90 days delinquent if management believes that the collection of interest is not expected.
• If we believe that a loan will not be collected in full, we will increase the ACL to reflect management’s estimate of any potential exposure or loss.
• We expect to have a higher average cost of funds for local deposits than competitor banks due to our lack of an extensive branch network.
• At September 30, 2026 and December 31, 2025, we estimate that we had approximately $9.20 billion and $9.69 billion, respectively, in uninsured deposits, which are the portion of deposit accounts that exceed the FDIC insurance limit.
• We believe these sources of funding are adequate to meet both our immediate (within the next 12 months) and our longer term anticipated funding needs.
• We invest in certain affordable housing projects throughout our market area as a means of supporting local communities.
• We invest as a limited partner in certain projects through the New Market Tax Credit program, which is a federal financial program aimed to stimulate business and real estate investment in underserved communities via a federal tax credit.

ServisFirst Bancshares' latest quarter

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What does ServisFirst Bancshares expect?

In addition, we have the ability to hold these securities within the portfolio until maturity or until the value recovers, and we believe that it is not likely that we will be required to sell these securities prior to recovery. There can be no assurance that we will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods. The level of ACL is based on our evaluation of historical default and loss experience, current and projected economic condit

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.