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	2024-12-31
Interest and fees on loans	210,987	206,521	196,936	193,927
Taxable securities	17,338	16,562	16,023	16,442
Nontaxable securities	5	5	6	8
Federal funds sold and securities purchased with agreement to resell	4,724	1,592	20	280
Other interest and dividends	18,254	21,955	28,111	24,646
Total interest income	251,308	246,635	241,096	235,301
Deposits	98,735	93,488	94,745	101,384
Borrowed funds	19,125	21,460	22,798	21,086
Total interest expense	117,860	114,948	117,543	122,470
Net interest income	133,448	131,687	123,553	112,832
Provision for credit losses	9,463	11,296	6,630	5,309
Net interest income after provision for credit losses	123,985	120,391	116,923	107,544
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	-	-
Revenue not from contract with customer	-	-	5,139	5,507
Securities losses	-7,812	-8,563	-	-
Bank-owned life insurance income	2,405	2,126	2,137	2,681
Other operating income	655	745	1,001	621
Total noninterest income	2,833	421	8,277	8,808
Salaries and employee benefits	25,522	22,576	22,879	23,524
Equipment and occupancy expense	3,615	3,523	3,722	3,579
Third party processing and other services	8,095	8,005	7,738	7,841
Professional services	1,857	1,904	1,933	1,723
Fdic and other regulatory assessments	2,742	2,753	2,854	3,065
Other real estate owned expense	82	27	33	45
Other operating expenses	6,083	5,416	6,948	6,573
Total noninterest expenses	47,996	44,204	46,107	46,348
Income before income taxes	78,822	76,608	79,093	70,004
Provision for income taxes	13,251	15,184	15,869	12,405
Net income	65,571	61,424	63,224	57,600
Dividends on preferred stock	0	31	-	10
Net income available to common stockholders	65,571	61,393	63,224	57,584

Basic earnings per common share (in dollars per share)	1.2	1.12	1.16	1.055
Diluted earnings per common share (in dollars per share)	1.2	1.12	1.16	1.055
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	54,667,955	54,664,480	54,656,630	-27,313,513.5
Weighted average common shares outstanding (in shares)	54,619,175	54,610,516	54,586,274	-27,269,000

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