For the quarter ending 2025-09-30, SFBS had $62,401K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 65,571 | 124,648 |
| Deferred tax expense (benefit) | 1,968 | 677 |
| Provision for credit losses | 9,463 | 17,926 |
| Depreciation | 1,126 | 2,262 |
| Accretion on acquired loans | -49 | -103 |
| Amortization of investments in tax credit partnerships | 25,278 | 3,244 |
| Net amortization (accretion) of debt securities | -106 | -45 |
| Increase in accrued interest and dividends receivable | 1,800 | -955 |
| Stock-based compensation expense | 629 | 1,701 |
| Increase (decrease) in accrued interest and dividends payable | 898 | -652 |
| Proceeds from sale of mortgage loans held for sale | 78,094 | 98,531 |
| Originations of mortgage loans held for sale | 63,531 | 109,515 |
| Gain on sale of mortgage loans held for sale | 1,864 | 1,936 |
| Loss on sale of securities available for sale | -7,812 | -8,563 |
| Net gain on sale of other real estate owned and repossessed assets | -3 | 301 |
| Write down of other real estate owned and repossessed assets | 0 | - |
| Increase in cash surrender value of life insurance contracts | -2,405 | -4,263 |
| Net change in other assets, liabilities, and other operating activities | -19,500 | 26,438 |
| Net cash provided by operating activities | 140,897 | 115,550 |
| Purchases of debt securities available-for-sale | 125,260 | 244,607 |
| Proceeds from maturities, calls and paydowns of debt securities available-for-sale | 107,676 | 129,211 |
| Proceeds from sale of debt securities available-for-sale | 75,602 | 61,897 |
| Purchases of debt securities held-to-maturity | 0 | 2,975 |
| Proceeds from maturities, calls and paydowns of debt securities held-to-maturity | 14,895 | 30,878 |
| Purchases of restricted equity securities | 47 | 856 |
| Investment in tax credit partnerships and sbic | 50,792 | 2,964 |
| Return of capital from tax credit partnerships and sbic | 0 | 1,039 |
| Net increase in loans | 89,219 | 639,487 |
| Purchases of premises and equipment | 1,837 | 3,070 |
| Purchase of bank owned life insurance contracts | 125,000 | - |
| Proceeds from sale of other real estate owned and repossessed assets | 273 | 2,756 |
| Net cash used in investing activities | -193,709 | -668,178 |
| Net decrease in non-interest-bearing deposits | -33,163 | 12,371 |
| Net increase (decrease) in interest-bearing deposits | 277,766 | 306,489 |
| Net (decrease) increase in federal funds purchased | 110,985 | 394,593 |
| Proceeds from exercise of stock options | 77 | 533 |
| Taxes paid in net settlement of tax obligation upon exercise of stock options | 186 | 1,299 |
| Dividends paid on common stock | 18,296 | 36,572 |
| Dividends paid on preferred stock | 0 | 31 |
| Net cash provided by financing activities | 115,213 | -113,102 |
| Net decrease in cash and cash equivalents | 62,401 | -665,730 |
| Cash and cash equivalents at beginning of period | 2,376,634 | - |
| Cash and cash equivalents at end of period | 1,773,305 | - |
ServisFirst Bancshares, Inc. (SFBS)
ServisFirst Bancshares, Inc. (SFBS)