Servisfirst Bancshares | 10-Q: FY2025 Q3 Revenue: USD 254.14 M

Revenue: As of FY2025 Q3, the actual value is USD 254.14 M.

EPS: As of FY2025 Q3, the actual value is USD 1.2, missing the estimate of USD 1.3367.

EBIT: As of FY2025 Q3, the actual value is USD -54.63 M.

Segment Revenue and Operational Metrics

• Interest Income: Total interest income for the three months ended September 30, 2025, was $251,308, compared to $247,979 for the same period in 2024. For the nine months ended September 30, 2025, total interest income was $739,039, compared to $702,229 in 2024.
• Net Interest Income: For the three months ended September 30, 2025, net interest income was $133,448, compared to $115,121 for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $388,688, compared to $323,491 in 2024.
• Net Income: Net income for the three months ended September 30, 2025, was $65,571, compared to $59,907 for the same period in 2024. For the nine months ended September 30, 2025, net income was $190,219, compared to $162,069 in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: For the nine months ended September 30, 2025, net cash provided by operating activities was $256,447, compared to $185,747 for the same period in 2024.
• Net Cash Used in Investing Activities: For the nine months ended September 30, 2025, net cash used in investing activities was - $861,887, compared to - $666,639 in 2024.
• Net Cash Provided by Financing Activities: For the nine months ended September 30, 2025, net cash provided by financing activities was $2,111, compared to $110,035 in 2024.

Unique Metrics

• Allowance for Credit Losses: The allowance for credit losses on loans was $170,235 as of September 30, 2025, compared to $164,458 as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company continues to focus on maintaining strong credit quality and managing interest rate risk. The allowance for credit losses is evaluated regularly to ensure it is adequate to cover potential losses.
• Non-Core Business: The company has not indicated any significant changes or divestitures in non-core business areas in the current report.