| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 190,219 | 124,648 |
| Deferred tax expense (benefit) | 2,645 | 677 |
| Provision for credit losses | 27,389 | 17,926 |
| Depreciation | 3,388 | 2,262 |
| Accretion on acquired loans | -152 | -103 |
| Amortization of investments in tax credit partnerships | 28,522 | 3,244 |
| Net amortization (accretion) of debt securities | -151 | -45 |
| Increase in accrued interest and dividends receivable | 845 | -955 |
| Stock-based compensation expense | 2,330 | 1,701 |
| Increase (decrease) in accrued interest and dividends payable | 246 | -652 |
| Proceeds from sale of mortgage loans held for sale | 176,625 | 98,531 |
| Originations of mortgage loans held for sale | 173,046 | 109,515 |
| Gain on sale of mortgage loans held for sale | 3,800 | 1,936 |
| Loss on sale of securities available for sale | -16,375 | -8,563 |
| Net gain on sale of other real estate owned and repossessed assets | 298 | 301 |
| Write down of other real estate owned and repossessed assets | 0 | - |
| Increase in cash surrender value of life insurance contracts | -6,668 | -4,263 |
| Net change in other assets, liabilities, and other operating activities | 6,938 | 26,438 |
| Net cash provided by operating activities | 256,447 | 115,550 |
| Purchases of debt securities available-for-sale | 369,867 | 244,607 |
| Proceeds from maturities, calls and paydowns of debt securities available-for-sale | 236,887 | 129,211 |
| Proceeds from sale of debt securities available-for-sale | 137,499 | 61,897 |
| Purchases of debt securities held-to-maturity | 2,975 | 2,975 |
| Proceeds from maturities, calls and paydowns of debt securities held-to-maturity | 45,773 | 30,878 |
| Purchases of restricted equity securities | 903 | 856 |
| Investment in tax credit partnerships and sbic | 53,756 | 2,964 |
| Return of capital from tax credit partnerships and sbic | 1,039 | 1,039 |
| Net increase in loans | 728,706 | 639,487 |
| Purchases of premises and equipment | 4,907 | 3,070 |
| Purchase of bank owned life insurance contracts | 125,000 | - |
| Proceeds from sale of other real estate owned and repossessed assets | 3,029 | 2,756 |
| Net cash used in investing activities | -861,887 | -668,178 |
| Net decrease in non-interest-bearing deposits | -20,792 | 12,371 |
| Net increase (decrease) in interest-bearing deposits | 584,255 | 306,489 |
| Net (decrease) increase in federal funds purchased | 505,578 | 394,593 |
| Proceeds from exercise of stock options | 610 | 533 |
| Taxes paid in net settlement of tax obligation upon exercise of stock options | 1,485 | 1,299 |
| Dividends paid on common stock | 54,868 | 36,572 |
| Dividends paid on preferred stock | 31 | 31 |
| Net cash provided by financing activities | 2,111 | -113,102 |
| Net decrease in cash and cash equivalents | -603,329 | -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)