SFBS Stock Analysis: ServisFirst Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 4.784m USD | 12M Return: 7.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 27.1M
EPS Trend: 72.5%
Qual. Beats: 0
Rev. Trend: 92.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
ServisFirst Bancshares (NYSE: SFBS) is the holding company for ServisFirst Bank, a U.S. regional bank that provides a full range of consumer and commercial banking services. Its offerings span deposit products (checking, money market, savings, IRAs, and CDs) and a broad lending portfolio that includes commercial real estate, 1-4 family residential, construction and development, consumer, and commercial loans. The bank also supports its core accounts with digital and traditional banking services, treasury and cash management, remote deposit capture, and correspondent banking for other financial institutions. Origination and loan participation activity is concentrated in Alabama, Florida, Georgia, and Tennessee. Founded in 2005 and headquartered in Birmingham, Alabama, the company has traded on the NYSE since its May 2014 IPO.
As a GICS-classified Regional Bank, ServisFirst operates a super-regional commercial banking model that combines relationship-based lending in its core Southeastern markets with broader digital and treasury services, a structure typical of mid-sized U.S. banks competing between community institutions and money-center giants.
- Net interest margin expansion drives quarterly profit growth
- Commercial real estate loans expand across Southeast markets
- Deposit costs rise amid money market fund competition
| Net Income: 296.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.74 > 1.0 |
| NWC/Revenue: -1.37k% < 20% (prev -1.31k%; Δ -60.12% < -1%) |
| CFO/TA 0.02 > 3% & CFO 377.4m > Net Income 296.4m |
| Net Debt (-462.7m) to EBITDA (368.8m): -1.25 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (54.7m) vs 12m ago 0.32% < -2% |
| Gross Margin: 53.92% > 18% (prev 47.92%; Δ 6.00% > 0.5%) |
| Asset Turnover: 5.55% > 50% (prev 5.32%; Δ 0.23% > 0%) |
| Interest Coverage Ratio: 0.84 > 6 (EBIT TTM 364.0m / Interest Expense TTM 431.0m) |
| A: -0.77 (Total Current Assets 2.11b - Total Current Liabilities 16.1b) / Total Assets 18.2b |
| B: 0.09 (Retained Earnings 1.68b / Total Assets 18.2b) |
| C: 0.02 (EBIT TTM 364.0m / Avg Total Assets 18.4b) |
| D: 0.12 (Book Value of Equity 1.91b / Total Liabilities 16.3b) |
| Altman-Z'' = -4.48 = D |
| DSRI: 0.97 (Receivables 70.1m/70.5m, Revenue 1.02b/991.0m) |
| GMI: 0.89 (GM 47.92% / 53.92%) |
| AQI: 1.12 (AQ_t 0.88 / AQ_t-1 0.79) |
| SGI: 1.03 (Revenue 1.02b / 991.0m) |
| TATA: -0.00 (NI 296.4m - CFO 377.4m) / TA 18.2b) |
| Beneish M = -3.07 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 86.05 with a total of 142,120 shares traded. Over the past week, the price has changed by -0.84%, over one month by +10.52%, over three months by +15.72% and over the past year by +7.83%.
Current recommended Stop Loss: 83.50 (which is 3% or 1.2 ATR below the current price).
ServisFirst Bancshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold SFBS.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 94.3 | 9.6% |
P/E Trailing = 13.9808
P/E Forward = 22.5734
P/S = 8.628
P/B = 2.1442
Revenue TTM = 1.02b USD
EBIT TTM = 364.0m USD
EBITDA TTM = 368.8m USD
Long Term Debt = 34.8m USD (from longTermDebt, last quarter)
Short Term Debt = 1.55b USD (from shortTermDebt, last quarter)
Debt = 1.58b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -462.7m USD (calculated: Debt 1.58b - CCE 2.04b)
Enterprise Value = 4.32b USD (4.78b + Debt 1.58b - CCE 2.04b)
Interest Coverage Ratio = 0.84 (Ebit TTM 364.0m / Interest Expense TTM 431.0m)
EV/FCF = 11.64x (Enterprise Value 4.32b / FCF TTM 371.4m)
FCF Yield = 8.59% (FCF TTM 371.4m / Enterprise Value 4.32b)
FCF Margin = 36.39% (FCF TTM 371.4m / Revenue TTM 1.02b)
Net Margin = 29.04% (Net Income TTM 296.4m / Revenue TTM 1.02b)
Gross Margin = 53.92% ((Revenue TTM 1.02b - Cost of Revenue TTM 470.3m) / Revenue TTM)
Gross Margin QoQ = 58.79% (prev 57.77%)
Tobins Q-Ratio = 0.24 (Enterprise Value 4.32b / Total Assets 18.2b)
Interest Expense / Debt = 27.25% (Interest Expense 431.0m / Debt 1.58b)
Taxrate = 18.59% (67.7m / 364.0m)
NOPAT = 296.4m (EBIT 364.0m * (1 - 18.59%))
Current Ratio = 0.13 (Total Current Assets 2.11b / Total Current Liabilities 16.1b)
Debt / Equity = 0.83 (Debt 1.58b / totalStockholderEquity, last quarter 1.91b)
Debt / EBITDA = -1.25 (Net Debt -462.7m / EBITDA 368.8m)
Debt / FCF = -1.25 (Net Debt -462.7m / FCF TTM 371.4m)
Total Stockholder Equity = 1.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.61% (Net Income 296.4m / Total Assets 18.2b)
RoE = 16.32% (Net Income TTM 296.4m / Total Stockholder Equity 1.82b)
RoCE = 19.67% (EBIT 364.0m / Capital Employed (Equity 1.82b + L.T.Debt 34.8m))
RoIC = 8.22% (NOPAT 296.4m / Invested Capital 3.60b)
WACC = 12.41% (E(4.78b)/V(6.37b) * Re(9.18%) + D(1.58b)/V(6.37b) * Rd(27.25%) * (1-Tc(0.19)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 75.02 | Cagr: 0.11%
[DCF] Terminal Value 65.99% ; FCFF base≈319.8m ; Y1≈366.6m ; Y5≈539.5m
[DCF] Fair Price = 94.63 (EV 4.71b - Net Debt -462.7m = Equity 5.17b / Shares 54.7m; r=12.41% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 72.45 | EPS CAGR: 10.79% | SUE: 0.13 | # QB: 0
Revenue Correlation: 92.24 | Revenue CAGR: 12.99% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.57 | Chg30d=+0.43% | Revisions=+25% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.61 | Chg30d=+0.21% | Revisions=+25% | Analysts=3
EPS current Year (2026-12-31): EPS=6.40 | Chg30d=+0.21% | Revisions=+25% | GrowthEPS=+21.9% | GrowthRev=+21.1%
EPS next Year (2027-12-31): EPS=7.17 | Chg30d=+0.09% | Revisions=+25% | GrowthEPS=+12.1% | GrowthRev=+11.6%
[Analyst] Revisions Ratio: +57% (up=4, down=0)