For the year ending 2025-12-31, SFBS had -$749,938K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 276,603 |
| Deferred tax expense (benefit) | 1,828 |
| Provision for credit losses | 35,311 |
| Depreciation | 4,728 |
| Accretion on acquired loans | -200 |
| Amortization of investments in tax credit partnerships | 38,207 |
| Net amortization (accretion) of debt securities | -123 |
| Decrease (increase) in accrued interest and dividends receivable | -838 |
| Stock-based compensation expense | 2,957 |
| Increase in accrued interest and dividends payable | 1,964 |
| Proceeds from sale of mortgage loans held for sale | 253,080 |
| Originations of mortgage loans held for sale | 250,148 |
| Gain on sale of mortgage loans held for sale | 5,464 |
| Loss on sale of securities available for sale | -16,375 |
| Net (gain) loss on sale of other real estate owned and repossessed assets | 298 |
| Write down of other real estate owned and repossessed assets | 0 |
| Increase in cash surrender value of life insurance contracts | -10,541 |
| Net change in other assets, liabilities, and other operating activities | 10,559 |
| Net cash provided by operating activities | 355,204 |
| Purchases of debt securities available-for-sale | 485,438 |
| Proceeds from maturities, calls and paydowns of debt securities available-for-sale | 443,187 |
| Proceeds from sale of debt securities available-for-sale | 159,499 |
| Purchases of debt securities held-to-maturity | 2,975 |
| Proceeds from maturities, calls and paydowns of debt securities held-to-maturity | 57,182 |
| Purchases of restricted equity securities | 903 |
| Proceeds from sale of restricted equity securities | 0 |
| Investment in tax credit partnerships and sbic | 76,027 |
| Return of capital from tax credit partnerships and sbic | 1,039 |
| Net increase in loans | 1,122,452 |
| Purchases of premises and equipment | 5,939 |
| Purchase of bank owned life insurance contracts | 125,000 |
| Proceeds from death benefit of bank owned life insurance contracts | 0 |
| Proceeds from sale of other real estate owned and repossessed assets | 3,336 |
| Net cash used in investing activities | -1,154,491 |
| Net increase (decrease) in non-interest-bearing deposits | 64,585 |
| Net increase in interest-bearing deposits | 610,990 |
| Net (decrease) increase in federal funds purchased | 522,100 |
| Fhlb advances | 1,000 |
| Repayment of fhlb advances | 1,000 |
| Redemption of other borrowings | -30,000 |
| Proceeds from exercise of stock options | 610 |
| Taxes paid in net settlement of tax obligation upon exercise of stock options | 1,509 |
| Dividends paid on common stock | 73,165 |
| Dividends paid on preferred stock | 62 |
| Net cash provided by financing activities | 49,349 |
| Net (decrease) increase in cash and cash equivalents | -749,938 |
| Cash and cash equivalents at beginning of period | 2,376,634 |
| Cash and cash equivalents at end of period | 1,626,696 |
ServisFirst Bancshares, Inc. (SFBS)
ServisFirst Bancshares, Inc. (SFBS)