SFBS Stock Analysis: ServisFirst Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 4.584m USD | 12M Return: 2.8% | US81768T1088 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 26.0M
EPS Trend: 89.3%
Qual. Beats: 0
Rev. Trend: 92.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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: 320.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.04 > 1.0 |
| NWC/Revenue: -1.25k% < 20% (prev -1.36k%; Δ 108.4% < -1%) |
| CFO/TA 0.03 > 3% & CFO 472.9m > Net Income 320.7m |
| Net Debt (-1.48b) to EBITDA (398.3m): -3.72 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (109.4m) vs 12m ago 0.02% < -2% |
| Gross Margin: 56.60% > 18% (prev 48.55%; Δ 8.06% > 0.5%) |
| Asset Turnover: 5.80% > 50% (prev 5.76%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 0.96 > 6 (EBIT TTM 395.8m / Interest Expense TTM 410.3m) |
| A: -0.71 (Total Current Assets 3.11b - Total Current Liabilities 16.1b) / Total Assets 18.3b |
| B: 0.09 (Retained Earnings 1.74b / Total Assets 18.3b) |
| C: 0.02 (EBIT TTM 395.8m / Avg Total Assets 17.9b) |
| D: 0.12 (Book Value of Equity 1.98b / Total Liabilities 16.4b) |
| Altman-Z'' = -4.05 = D |
| DSRI: 0.97 (Receivables 61.9m/61.8m, Revenue 1.04b/1.00b) |
| GMI: 0.86 (GM 48.55% / 56.60%) |
| AQI: 0.93 (AQ_t 0.83 / AQ_t-1 0.89) |
| SGI: 1.03 (Revenue 1.04b / 1.00b) |
| TATA: -0.01 (NI 320.7m - CFO 472.9m) / TA 18.3b) |
| Beneish M = -3.20 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 41.31 with a total of 778,210 shares traded. Over the past week, the price has changed by -0.34%, over one month by -4.22%, over three months by -4.79% and over the past year by +2.81%.
Current recommended Stop Loss: 39.30 (which is 4.9% 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 | 48.3 | 17% |
P/E Trailing = 14.3072
P/E Forward = 22.5734
P/S = 7.8326
P/B = 2.2915
Revenue TTM = 1.04b USD
EBIT TTM = 395.8m USD
EBITDA TTM = 398.3m USD
Long Term Debt = 34.8m USD (from longTermDebt, last quarter)
Short Term Debt = 1.58b USD (from shortTermDebt, last quarter)
Debt = 1.61b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.48b USD (calculated: Debt 1.61b - CCE 3.10b)
Enterprise Value = 3.10b USD (4.58b + Debt 1.61b - CCE 3.10b)
Interest Coverage Ratio = 0.96 (Ebit TTM 395.8m / Interest Expense TTM 410.3m)
EV/FCF = 6.66x (Enterprise Value 3.10b / FCF TTM 465.7m)
FCF Yield = 15.02% (FCF TTM 465.7m / Enterprise Value 3.10b)
FCF Margin = 44.94% (FCF TTM 465.7m / Revenue TTM 1.04b)
Net Margin = 30.95% (Net Income TTM 320.7m / Revenue TTM 1.04b)
Gross Margin = 56.60% ((Revenue TTM 1.04b - Cost of Revenue TTM 449.7m) / Revenue TTM)
Gross Margin QoQ = 59.79% (prev 58.79%)
Tobins Q-Ratio = 0.17 (Enterprise Value 3.10b / Total Assets 18.3b)
Interest Expense / Debt = 25.42% (Interest Expense 410.3m / Debt 1.61b)
Taxrate = 18.71% (73.8m / 394.6m)
NOPAT = 321.8m (EBIT 395.8m * (1 - 18.71%))
Current Ratio = 0.19 (Total Current Assets 3.11b / Total Current Liabilities 16.1b)
Debt / Equity = 0.82 (Debt 1.61b / totalStockholderEquity, last quarter 1.98b)
Debt / EBITDA = -3.72 (Net Debt -1.48b / EBITDA 398.3m)
Debt / FCF = -3.19 (Net Debt -1.48b / FCF TTM 465.7m)
Total Stockholder Equity = 1.88b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.80% (Net Income 320.7m / Total Assets 18.3b)
RoE = 17.06% (Net Income TTM 320.7m / Total Stockholder Equity 1.88b)
RoCE = 20.67% (EBIT 395.8m / Capital Employed (Equity 1.88b + L.T.Debt 34.8m))
RoIC = 1.76% (NOPAT 321.8m / Invested Capital 18.3b)
WACC = 12.08% (E(4.58b)/V(6.20b) * Re(9.06%) + D(1.61b)/V(6.20b) * Rd(25.42%) * (1-Tc(0.19)))
Discount Rate = 9.06% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 55.15 | Cagr: 0.07%
[DCF] Terminal Value 66.88% ; FCFF base≈383.8m ; Y1≈440.0m ; Y5≈647.6m
[DCF] Fair Price = 67.12 (EV 5.86b - Net Debt -1.48b = Equity 7.34b / Shares 109.3m; r=12.08% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 89.31 | EPS CAGR: 16.63% | SUE: 0.0 | # QB: 0
Revenue Correlation: 92.02 | Revenue CAGR: 9.92% | SUE: 0.56 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.83 | Chg30d=+1.32% | Revisions=-17% | Analysts=2
EPS current Year (2026-12-31): EPS=3.22 | Chg30d=+0.21% | Revisions=-17% | GrowthEPS=+22.7% | GrowthRev=+21.0%
EPS next Year (2027-12-31): EPS=3.61 | Chg30d=-0.59% | Revisions=+40% | GrowthEPS=+12.1% | GrowthRev=+11.2%
[Analyst] Revisions Ratio: +0% (up=4, down=4)