Zacks Industry Outlook Highlights ServisFirst Bancshares, WSFS Financial and Heritage Financial

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• Management is optimistic that the combination of its strong balance sheet and prudent risk management will provide sustainable long-term returns for shareholders

  80% confidence

• Focus on NIM expansion, disciplined expense control, and franchise growth positions ServisFirst Bancshares to deliver solid financial performance in 2026

  80% confidence

• Lower interest rates are expected to boost loan demand, improving NII and margins for savings and loan companies as funding costs stabilize

  80% confidence

• WSFS expects net charge-offs to be 0.35 - 0.45% of average loans

  80% confidence

• WSFS expects loan and deposit growth in the mid-single-digit range for 2026

  80% confidence

• The Zacks Savings and Loan industry currently carries a Zacks Industry Rank #29, which places it in the top 12% of more than 243 Zacks industries

  80% confidence

• The NIM is expected to be 3.80% through strategic repricing and funding cost management

  80% confidence

• The top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1

  80% confidence

• Mortgage rates have fallen to their lowest level since September 2022, driving strong growth in purchase and refinancing activity

  80% confidence

• The industry's current-year earnings estimate has moved up 10% over the past year

  80% confidence

• Industry players still expected to witness a marginal rise in non-performing loans, which will keep hurting their asset quality

  80% confidence

• The Zacks Savings and Loan industry is gaining from falling interest rates and easing lending standards

  80% confidence

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