Filing Flows › ServisFirst Bancshares (SFBS) › Q3 2026
ServisFirst Bancshares (SFBS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
ServisFirst Bancshares (SFBS) reported revenue of $173M for the third quarter 2026 (Q3 2026), +27% from a year earlier and +3% from the quarter before. Operating margin was 61.0%, net earnings $87.3M (50.5% of revenue).
ServisFirst Bancshares, Q3 2026: revenue $173M (+27% year over year), operating margin 61.0%, net earnings $87.3M, operating cash flow $82.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $173M | +3% | +27% |
| Operating profit | $105M | -2% | +34% |
| Net earnings | $87.3M | +2% | +33% |
| Operating cash flow | $82.4M | -49% | -42% |
| Free cash flow | $78.0M | — | -44% |
What changed
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.
Questions
What was ServisFirst Bancshares' revenue in the third quarter 2026?
ServisFirst Bancshares (SFBS) reported revenue of $173M for the third quarter 2026 (Q3 2026), +27% from a year earlier and +3% from the quarter before.
Was ServisFirst Bancshares profitable in the third quarter 2026?
Operating profit was $105M (61.0% of revenue) and net earnings $87.3M.