Jan. 20 at 9:19 PM
$SFBS
Fourth Quarter 2025 Highlights:
Diluted earnings per share of
$5.06 for 2025, up 22% over 2024.
Diluted earnings per share of
$1.58 for the quarter, up 33% from the fourth quarter of 2024.
Net interest margin of 3.38%, up 42 basis points from the fourth quarter of 2024 and 29 basis points from the third quarter of 2025.
Cost of interest-bearing deposits is down 62 basis points from fourth quarter of 2024 at 3.01% and 40 basis points from third quarter of 2025.
Loans grew by
$384.9 million, or 12% annualized, during the quarter.
Deposits grew by
$675.6 million, or 5%, year-over-year.
Cash dividend increased to
$0.38 from
$0.335 in the third quarter, a 13% increase.
Book value per share of
$33.87, up 14% from the fourth quarter of 2024 and 15% annualized, from the third quarter of 2025.
Liquidity remains strong with
$1.63 billion in cash and cash equivalent assets, 9% of our total assets, and no FHLB advances or brokered deposits.
