ServisFirst Bancshares, Inc. SFBS R2K

Financial Services · Banks - Regional · United States

https://www.servisfirstbank.com

ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides banking services to individual and corporate customers in the United States. It offers deposit services, including checking, money market, savings, and individual retirement arrangements (IRA) accounts, as well as certificates of deposit. The company also provides real estate loans that consist of commercial real estate loans, 1-4 family residential real estate loans, and construction and development loans; consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans; and commercial loans comprising seasonal, bridge, and term loans, as well as commercial lines of credit. In addition, it offers other banking services, such as 24-hour telephone banking, direct deposit, Internet banking, mobile banking, traveler's checks, safe deposit boxes, attorney trust accounts, and automatic account transfers, as well as automated teller machines and debit and credit card systems. Further, the company provides treasury and cash management services; direct deposit, wire transfer, night depository, banking-by-mail and remote capture services for non-cash items; and correspondent banking services to other financial institutions. Additionally, it holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. ServisFirst Bancshares, Inc. was founded in 2005 and is headquartered in Birmingham, Alabama.

Market & Price

Market Cap

$4.26B

Current Price

$77.99

High / Low (52W)

$87.94 / $67.05

Beta

0.90

Valuation

Stock P/E

13.83

Industry PE

12.01

Forward P/E

10.88

PEG Ratio

Book Value

$34.98

Price to Book

2.23

P/S

7.77

EV/EBITDA

Dividend Yield

1.95%

Profitability & Returns

ROCE

ROE

16.55%

ROA

1.61%

Profit Margin

53.99%

Op Margin

69.92%

EPS (Latest Qtr)

$1.52

EPS (TTM)

$5.64

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.60B

Total Assets

$17.73B

Current Assets

Working Capital

Ownership

Promoter Holding

6.56%

Chg in Prom Hold

FII / Inst Holding

76.35%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$5.24B

Total Revenue (TTM)

$548.91M

EBITDA

Free Cash Flow

Operating Cash Flow

$377.39M

Shares Outstanding

54.66M

Gross Margin

0.00%

Payout Ratio

26.38%

Growth (CAGR)

Revenue 5Y

4.14%

Profit 5Y

3.22%

Revenue (YoY)

18.50%

Earnings (YoY)

31.10%

PROS

Excellent profit margin of 54.0%.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SFBS ServisFirst Bancshares, Inc. R2K	77.99	13.83	$4.26B	1.95%	-	16.55%	4.14%	3.22%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	131.83M	132.11M	136.28M	155.57M	158.99M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	117.54M	114.95M	117.86M	104.87M	93.33M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	79.09M	76.61M	78.82M	107.61M	100.97M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15.87M	15.18M	13.25M	21.22M	18.00M
Net Income	-	19.96M	18.88M	20.91M	-	22.52M	24.16M	25.26M	-	32.60M	33.54M	34.56M	-	35.01M	35.63M	37.56M	-	34.78M	40.45M	43.36M	-	51.45M	50.03M	52.50M	-	57.61M	62.14M	64.03M	57.97M	53.47M	53.34M	50.03M	52.14M	59.91M	-	63.22M	61.42M	65.57M	86.38M	82.97M
Diluted EPS	0.37	0.37	0.36	0.39	0.40	0.41	0.45	0.47	0.39	0.60	0.62	0.64	0.67	0.65	0.66	0.69	0.76	0.64	0.75	0.80	0.94	0.95	0.92	0.96	0.99	1.06	1.14	1.17	1.06	0.98	0.98	0.92	0.95	1.10	-	1.16	1.12	1.20	1.58	1.52

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	492.04M	426.51M	477.66M	555.79M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	88.42M	402.31M	499.46M	455.22M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	308.83M	244.59M	278.98M	342.13M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	57.32M	37.73M	51.74M	65.53M
Net Income	5.88M	17.38M	23.44M	34.45M	41.62M	52.38M	63.54M	81.48M	93.09M	136.94M	149.24M	169.57M	-	251.50M	206.85M	227.24M	276.60M
Diluted EPS	1.02	2.84	3.53	1.66	1.90	1.05	1.20	1.52	1.72	2.53	2.76	3.13	-	4.61	3.79	4.16	5.06

Compounded Sales Growth

5 Years:	4.14%
1 Year:	18.50%

Compounded Profit Growth

5 Years:	3.22%
1 Year:	31.10%

Stock Price Performance

1 Year:	+6.80%
6 Months:	+8.95%
3 Months:	-3.22%
1 Month:	-0.35%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Mar 2011	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.94B	-	2.46B	2.91B	3.52B	4.10B	5.10B	6.37B	7.08B	8.01B	8.95B	11.93B	15.45B	14.60B	16.13B	17.35B	17.73B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	72.92M	76.21M	231.98M	231.98M	242.93M	180.75M	258.42M	297.46M	352.24M	784.00M	477.59M	681.89M	630.60M	-	-	814.54M	2.03B	2.38B	1.12B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48.42M	59.18M	62.79M	61.96M
Total Liabilities	-	-	1.82B	-	2.26B	2.67B	3.22B	3.69B	4.65B	5.85B	6.47B	7.29B	8.10B	10.94B	14.30B	13.30B	14.69B	15.73B	15.88B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	64.73M	64.73M	64.74M	34.75M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	64.73M	64.73M	64.74M	34.75M
Total Equity	86.78M	97.62M	117.10M	-	196.29M	233.26M	297.19M	406.96M	448.77M	522.51M	607.10M	714.70M	842.18M	992.35M	1.15B	1.30B	1.44B	1.62B	1.85B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	54.33M	54.46M	54.57M	54.62M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	2.46M	29.57M	24.32M	41.18M	74.20M	65.09M	76.27M	98.52M	118.46M	168.30M	164.28M	191.29M	-	272.63M	197.30M	252.91M	355.20M
Investing Cash Flow	-402.69M	-215.34M	-507.74M	-509.81M	-571.69M	-549.09M	-749.48M	-861.65M	-1.04B	-754.47M	-988.35M	-1.41B	-	-2.64B	-200.43M	-948.53M	-1.15B
Financing Cash Flow	403.51M	341.53M	494.37M	406.44M	575.16M	523.05M	727.98M	1.19B	617.37M	790.48M	772.78M	2.80B	-	-1.04B	1.32B	941.16M	49.35M
Capital Expenditure	-2.29M	-428.00K	-1.31M	-5.47M	-1.35M	-1.31M	-5.54M	-22.20M	-21.15M	-2.30M	-	-	-	-3.65M	-3.91M	-4.65M	-5.94M
Free Cash Flow	169.00K	29.15M	23.01M	35.71M	72.85M	63.78M	70.73M	76.32M	97.31M	166.00M	-	-	-	268.98M	193.39M	248.27M	349.26M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-3.41B	1.32B	245.55M	-749.94M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	51.1%	48.5%	47.6%	49.8%
ROE %	6.0%	14.8%	11.9%	14.8%	14.0%	12.9%	14.2%	15.6%	15.3%	19.2%	17.7%	17.1%	-	19.4%	14.4%	14.1%	15.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

6.56%

Institutions

76.35%

Public Float

81.71%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	13.66%	7.46M	$582.16M
2	Vanguard Portfolio Management LLC	6.17%	3.37M	$262.92M
3	State Street Corporation	4.64%	2.54M	$197.96M
4	Vanguard Capital Management LLC	4.17%	2.28M	$177.98M
5	Kayne Anderson Rudnick Investment Management LLC	2.49%	1.36M	$106.07M
6	Geode Capital Management, LLC	2.24%	1.22M	$95.51M
7	Dimensional Fund Advisors LP	2.07%	1.13M	$88.41M
8	JPMORGAN CHASE & CO	1.89%	1.04M	$80.77M
9	Principal Financial Group, Inc.	1.80%	984.94K	$76.82M
10	Welch Group, LLC	1.79%	975.93K	$76.11M

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