ServisFirst Q4 EPS $1.58 (+33% YoY); dividend raised to $0.38; NIM expands to 3.38%

ServisFirst Bancshares, Inc.

2025-FY EPS reported $5.06

Q4 diluted EPS $1.58, up 33% from $1.19 in Q4 2024; full year $5.06, up 22%.
Net interest margin 3.38%, up 42 bps from Q4 2024; cost of interest-bearing deposits down 62 bps to 3.01%.
Loans grew $384.9M (12% annualized); deposits up $675.6M YoY.
Quarterly cash dividend increased 13% to $0.38 from $0.335; book value per share $33.87 (+14% YoY).
Efficiency ratio improved to 29% from 36% YoY; entered Texas market with new commercial banking team.

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