Financial insights of SFBS

MyFinsight

For the quarter ending 2025-09-30, SFBS made $427,809K in revenue. $65,571K in net income. Net profit margin of 15.33%.

Income Overview

Revenue
$427,809K
Net Income
$65,571K
Net Profit Margin
15.33%
EPS
$1.2
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	210,987	206,521	196,936	205,952
Taxable securities	17,338	16,562	16,023	17,493
Nontaxable securities	5	5	6	7
Federal funds sold and securities purchased with agreement to resell	4,724	1,592	20	31
Other interest and dividends	18,254	21,955	28,111	24,496
Total interest income	251,308	246,635	241,096	247,979
Deposits	98,735	93,488	94,745	113,211
Borrowed funds	19,125	21,460	22,798	19,647
Total interest expense	117,860	114,948	117,543	132,858
Net interest income	133,448	131,687	123,553	115,121
Provision for credit losses	9,463	11,296	6,630	5,659
Net interest income after provision for credit losses	123,985	120,391	116,923	109,462
Revenue not from contract with customer-Deposit Account	3,316	2,671	-	-
Revenue not from contract with customer-Mortgage Banking	1,864	1,323	-	-
Revenue not from contract with customer-Credit Card	2,405	2,119	-	-
Securities losses	-7,812	-8,563	-	-
Revenue not from contract with customer	-	-	5,139	5,618
Bank-owned life insurance income	2,405	2,126	2,137	2,113
Other operating income	655	745	1,001	818
Total noninterest income	2,833	421	8,277	8,549
Salaries and employee benefits	25,522	22,576	22,879	25,057
Equipment and occupancy expense	3,615	3,523	3,722	3,795
Third party processing and other services	8,095	8,005	7,738	8,035
Professional services	1,857	1,904	1,933	1,715
Fdic and other regulatory assessments	2,742	2,753	2,854	2,355
Other real estate owned expense	82	27	33	103
Other operating expenses	6,083	5,416	6,948	4,572
Total noninterest expenses	47,996	44,204	46,107	45,632
Income before income taxes	78,822	76,608	79,093	72,379
Provision for income taxes	13,251	15,184	15,869	12,472
Net income	65,571	61,424	63,224	59,907
Dividends on preferred stock	0	31	-	-
Net income available to common stockholders	65,571	61,393	63,224	59,907

Basic earnings per common share (in dollars per share)	1.2	1.12	1.16	1.1
Diluted earnings per common share (in dollars per share)	1.2	1.12	1.16	1.1
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	54,667,955	54,664,480	54,656,630	54,642,582
Weighted average common shares outstanding (in shares)	54,619,175	54,610,516	54,586,274	54,549,664

MyFinsight

Income Overview

Revenue
$427,809K
Net Income
$65,571K
Net Profit Margin
15.33%
EPS
$1.2
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$427,809K
Net Income
$65,571K
Net Profit Margin
15.33%
EPS
$1.2
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$427,809KNet Income$65,571KNet Profit Margin15.33%EPS$1.2Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$427,809KNet Income$65,571KNet Profit Margin15.33%EPS$1.2Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$427,809K
Net Income
$65,571K
Net Profit Margin
15.33%
EPS
$1.2
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Revenue
$427,809K
Net Income
$65,571K
Net Profit Margin
15.33%
EPS
$1.2
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others