ServisFirst Bancshares, Inc. NASDAQ: SFBS Investor Presentation April 20, 2020 Forward-Looking Statements ▪ Statements in this presentation that are not historical facts, including, but not limited to, statements concerning future operations, results or performance, are hereby identified as "forward-looking statements" for the purpose of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934 and Section 27A of the Securities Act of 1933. The words "believe," "expect," "anticipate," " ...

ServisFirst Bancshares, Inc. (NYSE:SFBS) Q1 2020 Earnings Conference Call April 20, 2020 5:15 PM ET Â Company Participants Davis Mange - Investor Relations Manager Thomas Ashford Broughton - President and Chief Executive Officer Henry Abbott - Chief Credit Officer William Foshee - Executive Vice President, Treasurer, Secretary and Chief Financial Officer Conference Call Participants Kevin Fitzsimmons - D.A. Davidson Companies Tyler Stafford - Stephens Inc. Graham Dick - Piper Sandler Companies Kevin Swanson ...

ServisFirst Bancshares, Inc. (NYSE:SFBS) Q4 2019 Earnings Conference Call January 21, 2020 5:15 PM ET Company Participants Davis Mange - Investor Relations Tom Broughton - Chief Executive Officer Bud Foshee - Chief Financial Officer Henry Abbott - Chief Credit Officer Conference Call Participants Brad Milsaps - Piper Sandler William Wallace - Raymond James Kevin Swanson - Hovde Group Operator Good day, and welcome to the ServisFirst Bancshares Incorporated Fourth Quarter Earnings Conference Call. All partic ...

ServisFirst Bancshares, Inc. (NYSE:SFBS) Q3 2019 Results Conference Call October 21, 2019 5:15 PM ET Company Participants Davis Mange - Investor Relations Tom Broughton - Chief Executive Officer Bud Foshee - Chief Financial Officer Henry Abbott - Chief Credit Officer Conference Call Participants Tyler Stafford - Stephens Brad Milsaps - Sandler O'Neill Kevin Fitzsimmons - D.A. Davidson William Wallace - Raymond James Operator Good day. And welcome to the ServisFirst Bancshares Incorporated Third Quarter Earn ...

ServisFirst Bancshares, Inc. (NYSE:SFBS) Q2 2019 Earnings Conference Call July 15, 2019 5:15 PM ET Company Participants Davis Mange - Vice President, Investor Relations Tom Broughton - Chief Executive Officer Bud Foshee - Chief Financial Officer Conference Call Participants Brad Milsaps - Sandler O'Neill Tyler Stafford - Stephens William Wallace - Raymond James Operator Good day and welcome to the ServisFirst Bancshares Incorporated Second Quarter Earnings Conference Call. All participants will be in listen ...

Financial Data and Key Metrics Changes - The company reported annualized deposit growth of 10% for the quarter, which is above average compared to previous years [7] - Year-over-year loans grew by 12.3% and deposits increased by 18.5% [12] - The net interest margin decreased from 3.63% in the fourth quarter to 3.56% in the first quarter [12] Business Line Data and Key Metrics Changes - Loan growth was solid, with an annualized increase of 8% in the first quarter, compared to 5% in the same period last year [8] - Credit card income grew by $321,000 from 2018, while mortgage banking remains a small portion of total interest income [15] Market Data and Key Metrics Changes - The best growth in deposits was observed in Atlanta, Tampa, Mobile, Huntsville, and Pensacola [7] - The company has a strong loan pipeline, which is up significantly from the beginning of the year [9] Company Strategy and Development Direction - The company is focusing on building core relationships and has seen strong new account openings, particularly in Atlanta and Tampa Bay [7] - The management is actively hiring new producers and has added production offices to support growth [10][14] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the first quarter's performance, noting it was better than typical for this period [6] - The company anticipates that deposit pricing may normalize with expected Fed rate increases, but competition in deposit costs remains a concern [25][26] Other Important Information - The company added managers for purchase cards and merchant services in 2018, contributing to a year-over-year salary increase of $1.1 million [14] - The projected tax rate for the remainder of 2019 is 21.3% [17] Q&A Session Summary Question: Follow-up on net interest margin guidance - Management indicated that the net interest margin is projected to be in the range of 3.60% to 3.65% for the remainder of the year, influenced by excess liquidity and deposit competition [24][25] Question: Impact of BB&T and SunTrust merger - Management noted that while there may be some disruption, they are not taking any special actions but continue to meet potential bankers in existing and new markets [28][29] Question: Update on credit quality and non-accruals - Management confirmed that there are no new impairments and they are prudently working on existing relationships [44][45] Question: Changes in borrower behavior regarding loan structures - Management stated that they have not observed significant changes in borrower preferences for loan structures [63] Question: Expectations for efficiency ratio improvement - Management believes there is room for improvement in the efficiency ratio due to recent hiring and back-office expenses [66]

ServisFirst Bancshares, Inc. (NYSE:SFBS) Q4 2018 Earnings Conference Call January 22, 2019 5:15 PM ET Company Participants Davis Mange - Vice President, Investor Relations Tom Broughton - Chief Executive Officer Bud Foshee - Chief Financial Officer Conference Call Participants William Wallace - Raymond James Tyler Stafford - Stephens, Inc. Peter Ruiz - Sandler OÂ'Neill Operator Good day and welcome to the ServisFirst Bancshares Incorporated Fourth Quarter 2018 Earnings Conference Call and Webcast. All parti ...