ServisFirst (SFBS) Q3 2026 Earnings Call Transcript

ServisFirst Bancshares reported Q3 2026 results with net income of $87.3 million, up 33.2% from $65.6 million a year earlier. Diluted EPS rose to $0.80 from $0.60, and total loans reached $14.7 billion, up 10.7% year over year. The bank said C&I loans grew 15% and investor real estate increased 16% versus the prior-year quarter, with $259 million in new loan originations during Q3. Deposit totals were $14.1 billion, down slightly year over year and down 3.2% sequentially as higher-rate municipal deposits were allowed to roll off. Net interest income climbed 19.8% to $159.8 million, and net interest margin rose to 3.6%. Efficiency improved, with the efficiency ratio at 30.2%. ServisFirst also reported $7.7 million net charge-offs and authorized a share repurchase program for up to 2 million shares through Dec. 31, 2027.