ServisFirst Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	255.39	227.24	206.85	251.5	207.73	169.57
Depreciation & Amortization	4.48	4.79	4.44	4.12	4.39	4.1
Provision for Credit Losses	33.09	21.59	18.72	37.61	31.52	42.43
Stock-Based Compensation	2.97	3.49	3.6	3.21	1.3	1.33
Net Change in Loans Held-for-Sale	4.33	0.78	-0.71	1.95	20.65	0.63
Other Adjustments	31.94	-2.8	3.29	-3.87	3.02	-17.42
Changes in Accrued Interest and Accounts Receivable	-2.06	-3.61	-10.76	-13.59	2.01	-10.58
Changes in Accounts Payable	1.69	0.48	8.93	5	1.86	0.39
Changes in Other Operating Activities	-12.57	0.96	-37.06	-25.63	-6.14	0.83
Operating Cash Flow	323.62	252.92	197.3	272.63	266.33	191.29
Operating Cash Flow Growth	16.90%	28.19%	-27.63%	2.36%	39.23%	16.45%
Net Change in Loans Held-for-Investment	-1,001	-963.37	16.31	-2,164	-1,072	-1,237
Net Change in Securities and Investments	5.64	28.33	-206.45	-458.95	-438.02	-113.6
Capital Expenditures	-3.85	-4.65	-3.91	-3.65	-9.45	-2.31
Other Investing Activities	-53.06	-8.85	-6.39	-15.5	-41.26	-58.47
Investing Cash Flow	-1,144	-948.53	-200.43	-2,642	-1,561	-1,411
Net Change in Deposits	960.39	269.95	1,727	-906.03	2,477	2,445
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-54.47	737	-362.07	-92.98	860.23	380.8
Long-Term Debt Issued	-	-	300	-	-	34.75
Long-Term Debt Repaid	-	-	-300	-	-	-34.71
Net Long-Term Debt Issued (Repaid)	-	-	-	-	-	0.04
Issuance of Common Stock	0.92	0.92	1.29	1.23	3.53	3.49
Net Common Stock Issued (Repurchased)	0.92	0.92	1.29	1.23	3.53	3.49
Common Dividends Paid	-71.23	-65.41	-45.71	-37.47	-32.52	-28.23
Preferred Share Dividends Paid	-0.06	-0.06	-0.06	-0.06	-0.06	-0.06
Other Financing Activities	-2.3	-1.23	-1.98	-1.14	-2.85	-0.73
Financing Cash Flow	833.24	941.17	1,318	-1,036	3,305	2,801
Net Cash Flow	13.07	245.55	1,315	-3,406	2,011	1,581
Free Cash Flow	319.76	248.27	193.39	268.98	256.88	188.99
Free Cash Flow Growth	28.80%	28.38%	-28.10%	4.71%	35.93%	16.72%
FCF Margin	64.07%	53.96%	45.76%	57.64%	66.47%	58.02%
Free Cash Flow Per Share	5.85	4.55	3.55	4.93	4.75	3.49
Levered Free Cash Flow	243.02	225.14	168.43	217.69	200.33	161.98
Unlevered Free Cash Flow	-12.31	-2.04	-38.36	-33.75	-7.34	-7.56

Updated Nov 4, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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