ServisFirst Bancshares (SFBS) AI Stock Analysis

• Market Cap: $4.82B
• Dividend Yield: 1.49%
• Average Volume (3M): 210.52K
• Price to Earnings (P/E): 19.3
• Beta (1Y): 1.20
• Revenue Growth: 8.15%
• EPS Growth: 26.16%
• Country: US
• Employees: 636
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 1.21
• Shares Outstanding: 54,620,330
• 10 Day Avg. Volume: 231,983
• 30 Day Avg. Volume: 210,516
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.20
• Enterprise Value/Revenue: 5.84
• Enterprise Value/Gross Profit: 12.18
• Enterprise Value/Ebitda: 19.14
• 1Y Price Target: $95.50
• Price Target Upside: 9.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 80 Outperform
• Price Target: $101.00 ▲(15.43% Upside)

ServisFirst Bancshares receives a strong overall score due to its solid financial performance and positive technical indicators. The company's strategic growth initiatives and recent earnings results bolster its position, despite some concerns over debt levels and restructuring losses. The valuation is fair, and the dividend provides additional appeal.

ServisFirst Bancshares Business Overview & Revenue Model

Company Description

ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. It accepts demand, time, savings, and other deposits; checking, money market, and IRA accounts; and certificates of deposit. The company's loan products include commercial lending products, such as seasonal, bridge, and term loans for working capital, expansion of the business, acquisition of property, and plant and equipment, as well as commercial lines of credit; commercial real estate loans, construction and development loans, and residential real estate loans; and consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans. It also offers other banking products and services comprising telephone and mobile banking, direct deposit, Internet banking, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit card systems, as well as Visa credit cards; treasury and cash management services; wire transfer, night depository, banking-by-mail, and remote capture services; and correspondent banking services to other financial institutions. In addition, the company holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. It operates 23 full-service banking offices located in Alabama, Florida, Georgia, South Carolina, and Tennessee, as well as 2 loan production offices in Florida. The company was founded in 2005 and is headquartered in Birmingham, Alabama.

How the Company Makes Money

ServisFirst Bancshares generates revenue primarily through interest income from loans and investment securities, as well as non-interest income from various banking services. The main revenue streams include interest earned on commercial and consumer loans, mortgage loans, and interest from securities held in their portfolio. Additionally, the bank earns non-interest income from fees associated with services such as treasury management, debit and credit card transactions, and wealth management services. Significant partnerships with local businesses and organizations enhance its client base, contributing to the bank's overall earnings. The company also benefits from a strong focus on efficient operations and cost management, which helps improve profitability.

ServisFirst Bancshares Financial Statement Overview

Summary

ServisFirst Bancshares demonstrates a strong financial position with steady revenue growth, robust profitability, and a well-capitalized balance sheet. The increase in total debt needs attention, but effective cash flow management and a strong equity base provide a solid foundation for future growth.

Income Statement

ServisFirst Bancshares has demonstrated strong revenue and profit growth over the years, with a stable gross profit margin. The TTM data shows a slight increase in revenue growth compared to the previous year, indicating a positive trajectory. The EBIT and EBITDA margins are also healthy, reflecting efficient cost management. However, the slight decline in net profit margin suggests potential pressure on net income, which should be monitored.

Balance Sheet

The balance sheet reflects a robust equity position, with an improving debt-to-equity ratio over time. The equity ratio is strong, indicating a solid capital structure. However, the company's total debt has increased slightly, which could pose a risk if not managed carefully. Despite this, the return on equity remains healthy, showcasing the company's ability to generate profit from shareholders' investments.

Cash Flow

Cash flow analysis reveals consistent positive operating cash flow, supporting the company's operational needs effectively. The free cash flow has shown growth over the years, although the latest TTM data indicates a slight decline, which should be monitored. The operating cash flow to net income ratio is strong, underscoring the company's ability to convert income into cash. The free cash flow to net income ratio is also favorable, reflecting efficient cash management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	977.12M	828.82M	580.46M	437.43M	413.90M
Gross Profit	456.07M	407.79M	454.43M	374.11M	320.48M
EBITDA	283.77M	249.02M	312.95M	257.74M	218.31M
Net Income	227.24M	206.85M	251.50M	207.73M	169.57M
Balance Sheet
Total Assets	17.35B	16.13B	14.60B	15.45B	11.93B
Cash, Cash Equivalents and Short-Term Investments	2.82B	2.86B	1.46B	5.01B	3.10B
Total Debt	2.06B	1.32B	1.68B	1.78B	916.29M
Total Liabilities	15.73B	14.69B	13.30B	14.30B	10.94B
Stockholders Equity	1.62B	1.44B	1.30B	1.15B	992.35M
Cash Flow
Free Cash Flow	248.27M	193.39M	268.98M	256.88M	188.99M
Operating Cash Flow	252.91M	197.30M	272.63M	266.33M	191.29M
Investing Cash Flow	-948.53M	-200.43M	-2.64B	-1.56B	-1.41B
Financing Cash Flow	941.16M	1.32B	-1.04B	3.31B	2.80B

ServisFirst Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 87.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFBS, the sentiment is Positive. The current price of 87.5 is above the 20-day moving average (MA) of 84.84, above the 50-day MA of 82.30, and above the 200-day MA of 82.17, indicating a bullish trend. The MACD of 2.12 indicates Negative momentum. The RSI at 62.37 is Neutral, neither overbought nor oversold. The STOCH value of 51.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SFBS.

ServisFirst Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SFBS	80 Outperform	$4.82B	19.32	15.46%	1.49%	8.15%	26.16%
OZK	80 Outperform	$6.00B	8.59	12.68%	3.25%	7.12%	2.47%
HWC	80 Outperform	$5.38B	11.72	11.30%	2.79%	0.76%	27.66%
ABCB	79 Outperform	$5.08B	13.05	10.46%	1.01%	5.16%	25.95%
FNB	78 Outperform	$6.03B	13.04	7.40%	2.91%	7.73%	8.39%
Sector *	68 Neutral	$17.81B	11.87	10.24%	3.74%	9.75%	1.30%
IBOC	68 Neutral	$4.45B	10.83	14.71%	1.96%	1.99%	2.08%

ServisFirst Bancshares Corporate Events

ServisFirst Bancshares Updates Investor Presentation for Growth

ServisFirst Bancshares has updated its investor presentation to include current financial data, reflecting its consistent growth and strategic expansion in metropolitan markets. The company has demonstrated strong financial performance, with significant increases in assets, stockholder equity, and net income, indicating a robust position in the banking industry. This update highlights ServisFirst’s disciplined growth strategy and its focus on providing professional banking services to mid-market commercial customers, which could enhance its competitive positioning and stakeholder value.

ServisFirst Bancshares Reports Strong Q2 2025 Earnings

On July 21, 2025, ServisFirst Bancshares announced its second quarter earnings for the period ending June 30, 2025. The company reported a 27% increase in adjusted diluted earnings per share compared to the same quarter in 2024, reaching $1.21. The net interest margin improved to 3.10%, and loans grew by $346 million, reflecting an 11% annualized increase. The company’s book value per share rose by 14% year-over-year, and liquidity remained strong with $1.7 billion in cash and cash equivalents. The consolidated common equity tier 1 capital to risk-weighted assets increased to 11.38%, and the return on average common stockholder’s equity was 14.56%. These results indicate a positive impact on the company’s operations and suggest a favorable environment for future growth.

ServisFirst Bancshares to Release Q2 2025 Financial Results

On June 30, 2025, ServisFirst Bancshares, Inc. announced its plan to release the financial results for the second quarter of 2025 on July 21, 2025. The company will host a live audio webcast to discuss these results, providing stakeholders an opportunity to gain insights into the company’s financial performance and operational strategies.

ServisFirst Bancshares Declares Quarterly Cash Dividend

On June 17, 2025, ServisFirst Bancshares, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.335 per share. This dividend is payable on July 9, 2025, to stockholders of record as of July 1, 2025, reflecting the company’s ongoing commitment to providing shareholder value.