SFBS FINANCIAL STATEMENTS

ServisFirst Bancshares Inc — balance sheet, income statement and cash flow trends

SFBSServisFirst Bancshares Inc

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1 B $+3.0%

Gross Profit550.2 M $+15.9%

Operating Income364 M $+22.4%

EBITDA368.8 M $+22.0%

Net Income296.4 M $+23.3%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
SFBS	—	—	—	29.0%
BEN	—	—	—	—
NDA-SE	—	—	—	20.9%
EQB	—	—	—	6.6%
HALKB	—	—	—	16.6%
VAKBN	—	—	—	21.4%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.9 B $11%
Current Liabilities16.1 B $88%
Long-term Liabilities196.3 M $1%

Key Figures

YoY change

Total Assets18.2 B $-2.5%

Total Liabilities16.3 B $-4.2%

Total Equity1.9 B $+14.6%

Cash & ST Investments2 B $-46.2%

Total Debt1.6 B $-34.7%

Net Debt262.9 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SFBS	0.13	82.7%	-1.25	10.5%
BEN	0.03	142.6%	—	6.6%
NDA-SE	0.16	704.0%	25.50	4.4%
EQB	0.09	496.5%	40.36	6.2%
HALKB	—	0.0%	-33.00	5.1%
VAKBN	—	0.0%	-8.98	6.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SFBS	0.13	82.7%	-1.25	10.5%
IBOC	1.09	22.0%	0.25	19.5%
TCBI	0.10	24.4%	-3.91	10.8%
TFSL	0.05	266.7%	35.83	11.0%
EBC	0.03	16.1%	0.60	14.0%
FFIN	0.07	4.6%	-2.50	12.6%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow377.4 M $+52.5%

Capital Expenditures12.1 M $+69.9%

Free Cash Flow371.4 M $+53.2%

Dividends Paid-75.7 M $-212.3%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SFBS	37.0%	36.4%	1.2%	127.3%
BEN	—	—	—	—
NDA-SE	-33.4%	-35.4%	2.0%	-159.7%
EQB	-2.9%	-7.6%	3.1%	-44.2%
HALKB	16.6%	38.5%	21.9%	100.0%
VAKBN	21.4%	20.2%	1.1%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SFBS	37.0%	36.4%	1.2%	127.3%
IBOC	44.4%	42.9%	1.5%	112.9%
TCBI	43.9%	43.9%	0.6%	248.1%
TFSL	11.3%	10.1%	1.2%	98.9%
EBC	26.8%	25.3%	1.5%	101.2%
FFIN	37.9%	36.1%	1.8%	121.8%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.