(SFBS) ServisFirst Bancshares - Overview
Stock: Deposits, Loans, Mortgages, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.78% |
| Yield on Cost 5y | 3.34% |
| Yield CAGR 5y | 12.72% |
| Payout Consistency | 98.4% |
| Payout Ratio | 26.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 37.7% |
| Relative Tail Risk | -17.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.14 |
| Alpha | -22.76 |
| Character TTM | |
|---|---|
| Beta | 1.046 |
| Beta Downside | 1.175 |
| Drawdowns 3y | |
|---|---|
| Max DD | 45.46% |
| CAGR/Max DD | 0.17 |
Description: SFBS ServisFirst Bancshares January 10, 2026
ServisFirst Bancshares, Inc. (NYSE: SFBS) is the holding company for ServisFirst Bank, which offers a full suite of deposit and loan products to both retail and commercial clients across Alabama, Florida, Georgia, and Tennessee. Its deposit franchise includes demand, savings, money-market, IRA and CD accounts, while its loan portfolio spans commercial term and bridge loans, CRE financing, 1-4-family residential mortgages, construction loans, and consumer products such as home-equity and auto loans.
Key operating metrics (Q4 2025): total assets ≈ $6.2 bn, loan-to-deposit ratio ≈ 78 %, net interest margin (NIM) around 4.2 %, and a return on average equity (ROAE) of 10.5 %. The bank’s loan book is roughly 55 % commercial (including CRE) and 45 % consumer, with a non-performing loan ratio under 1 %-well below the regional-bank average.
Sector dynamics: Regional banks are currently benefitting from a steepening yield curve and higher policy rates, which boost NIM, but they remain exposed to credit-quality pressure in CRE markets, especially in the Sun Belt where SFBS is concentrated. Monitoring Fed policy shifts and local employment trends will be critical to assessing future earnings stability.
For a deeper, data-driven look at SFBS’s valuation and risk profile, the ValueRay research page provides a concise, model-backed overview.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 276.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: -294.0% < 20% (prev -1298 %; Δ 1004 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 256.4m > Net Income 276.6m |
| Net Debt (1.41b) to EBITDA (345.5m): 4.08 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (54.7m) vs 12m ago 0.05% < -2% |
| Gross Margin: 51.80% > 18% (prev 0.47%; Δ 5133 % > 0.5%) |
| Asset Turnover: 5.80% > 50% (prev 5.63%; Δ 0.17% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBITDA TTM 345.5m / Interest Expense TTM 455.2m) |
Altman Z'' -0.61
| A: -0.17 (Total Current Assets 1.16b - Total Current Liabilities 4.16b) / Total Assets 17.73b |
| B: 0.09 (Retained Earnings 1.61b / Total Assets 17.73b) |
| C: 0.01 (EBIT TTM 234.5m / Avg Total Assets 17.54b) |
| D: 0.10 (Book Value of Equity 1.61b / Total Liabilities 15.88b) |
| Altman-Z'' Score: -0.61 = B |
What is the price of SFBS shares?
Over the past week, the price has changed by +4.68%, over one month by +14.94%, over three months by +22.01% and over the past year by -6.79%.
Is SFBS a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SFBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 92 | 7.4% |
| Analysts Target Price | 92 | 7.4% |
| ValueRay Target Price | 88.5 | 3.3% |
SFBS Fundamental Data Overview February 02, 2026
P/E Forward = 22.5734
P/S = 8.482
P/B = 2.4229
Revenue TTM = 1.02b USD
EBIT TTM = 234.5m USD
EBITDA TTM = 345.5m USD
Long Term Debt = 64.8m USD (from longTermDebt, two quarters ago)
Short Term Debt = 1.47b USD (from shortTermDebt, last quarter)
Debt = 1.51b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.41b USD (from netDebt column, last quarter)
Enterprise Value = 4.81b USD (4.47b + Debt 1.51b - CCE 1.16b)
Interest Coverage Ratio = 0.52 (Ebit TTM 234.5m / Interest Expense TTM 455.2m)
EV/FCF = 18.77x (Enterprise Value 4.81b / FCF TTM 256.4m)
FCF Yield = 5.33% (FCF TTM 256.4m / Enterprise Value 4.81b)
FCF Margin = 25.20% (FCF TTM 256.4m / Revenue TTM 1.02b)
Net Margin = 27.18% (Net Income TTM 276.6m / Revenue TTM 1.02b)
Gross Margin = 51.80% ((Revenue TTM 1.02b - Cost of Revenue TTM 490.5m) / Revenue TTM)
Gross Margin QoQ = 57.77% (prev 49.90%)
Tobins Q-Ratio = 0.27 (Enterprise Value 4.81b / Total Assets 17.73b)
Interest Expense / Debt = 6.96% (Interest Expense 104.9m / Debt 1.51b)
Taxrate = 19.72% (21.2m / 107.6m)
NOPAT = 188.3m (EBIT 234.5m * (1 - 19.72%))
Current Ratio = 0.28 (Total Current Assets 1.16b / Total Current Liabilities 4.16b)
Debt / Equity = 0.81 (Debt 1.51b / totalStockholderEquity, last quarter 1.85b)
Debt / EBITDA = 4.08 (Net Debt 1.41b / EBITDA 345.5m)
Debt / FCF = 5.50 (Net Debt 1.41b / FCF TTM 256.4m)
Total Stockholder Equity = 1.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.58% (Net Income 276.6m / Total Assets 17.73b)
RoE = 15.76% (Net Income TTM 276.6m / Total Stockholder Equity 1.76b)
RoCE = 12.89% (EBIT 234.5m / Capital Employed (Equity 1.76b + L.T.Debt 64.8m))
RoIC = 10.53% (NOPAT 188.3m / Invested Capital 1.79b)
WACC = 8.72% (E(4.47b)/V(5.98b) * Re(9.77%) + D(1.51b)/V(5.98b) * Rd(6.96%) * (1-Tc(0.20)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.13%
[DCF Debug] Terminal Value 75.61% ; FCFF base≈253.2m ; Y1≈254.8m ; Y5≈273.3m
Fair Price DCF = 51.24 (EV 4.21b - Net Debt 1.41b = Equity 2.80b / Shares 54.6m; r=8.72% [WACC]; 5y FCF grow 0.20% → 2.90% )
EPS Correlation: 40.43 | EPS CAGR: 11.23% | SUE: 3.64 | # QB: 1
Revenue Correlation: 91.51 | Revenue CAGR: 23.47% | SUE: 3.00 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.51 | Chg30d=+0.087 | Revisions Net=+3 | Analysts=3
EPS current Year (2026-12-31): EPS=6.35 | Chg30d=+0.237 | Revisions Net=+3 | Growth EPS=+20.9% | Growth Revenue=+21.2%
EPS next Year (2027-12-31): EPS=7.00 | Chg30d=+0.223 | Revisions Net=+3 | Growth EPS=+10.2% | Growth Revenue=+9.6%