ServisFirst Bancshares (SFBS) AI Stock Analysis

• Market Cap: $4.23B
• Dividend Yield: 1.69%
• Average Volume (3M): 255.58K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 1.21
• Revenue Growth: 8.15%
• EPS Growth: 26.16%
• Country: US
• Employees: 636
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.21
• Shares Outstanding: 54,620,330
• 10 Day Avg. Volume: 207,211
• 30 Day Avg. Volume: 255,584
• 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: 1.37
• Enterprise Value/Revenue: 5.84
• Enterprise Value/Gross Profit: 12.18
• Enterprise Value/Ebitda: 19.14
• 1Y Price Target: $90.00
• Price Target Upside: 16.28% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 78 Outperform
• Price Target: $90.00 ▲(16.28% Upside)

ServisFirst Bancshares shows strong financial performance and positive earnings call highlights, including loan growth and improved margins. Technical and valuation analyses indicate moderate performance with mixed signals. Overall, the company is positioned well financially, but operational challenges and technical indicators suggest the need for cautious optimism.

ServisFirst Bancshares Business Overview & Revenue Model

Company Description

ServisFirst Bancshares (SFBS) is a financial holding company based in Birmingham, Alabama, focused on providing a broad range of banking and financial services through its wholly-owned subsidiary, ServisFirst Bank. The company primarily operates in the banking sector, offering services such as commercial and consumer banking, mortgage lending, treasury management, and wealth management. With a commitment to exceptional customer service, ServisFirst Bancshares caters to a diverse client base, including businesses and individuals across the Southeastern United States.

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: Negative
• Last Price: 77.40
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFBS, the sentiment is Negative. The current price of 77.4 is below the 20-day moving average (MA) of 80.34, below the 50-day MA of 78.04, and below the 200-day MA of 82.39, indicating a bearish trend. The MACD of -0.50 indicates Positive momentum. The RSI at 42.48 is Neutral, neither overbought nor oversold. The STOCH value of 28.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SFBS.

ServisFirst Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HWC	80 Outperform	$4.94B	10.75	11.30%	2.92%	0.76%	27.66%
ABCB	79 Outperform	$4.62B	11.83	10.46%	1.12%	5.16%	25.95%
OZK	79 Outperform	$5.44B	7.79	12.68%	3.54%	7.12%	2.47%
SFBS	78 Outperform	$4.23B	16.94	15.46%	1.69%	8.15%	26.16%
IBOC	78 Outperform	$4.28B	10.40	14.71%	1.98%	1.99%	2.08%
FNB	74 Outperform	$5.37B	11.60	7.40%	3.21%	7.73%	8.39%
Sector *	67 Neutral	$17.26B	11.31	10.36%	3.95%	10.54%	1.63%

ServisFirst Bancshares Corporate Events

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.

The most recent analyst rating on (SFBS) stock is a Hold with a $96.00 price target. To see the full list of analyst forecasts on ServisFirst Bancshares stock, see the SFBS Stock Forecast page.

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.

The most recent analyst rating on (SFBS) stock is a Hold with a $96.00 price target. To see the full list of analyst forecasts on ServisFirst Bancshares stock, see the SFBS Stock Forecast page.

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.

The most recent analyst rating on (SFBS) stock is a Hold with a $96.00 price target. To see the full list of analyst forecasts on ServisFirst Bancshares stock, see the SFBS Stock Forecast page.

ServisFirst Bancshares Holds 2025 Annual Stockholder Meeting

On May 19, 2025, ServisFirst Bancshares held its 2025 Annual Meeting of Stockholders where shareholders voted on key issues including the election of seven directors, executive compensation, and the ratification of Forvis Mazars, LLP as the independent public accounting firm for 2025. All directors were elected, and the proposals regarding executive compensation and the accounting firm appointment were approved, reflecting shareholder confidence in the company’s governance and strategic direction.

The most recent analyst rating on (SFBS) stock is a Hold with a $96.00 price target. To see the full list of analyst forecasts on ServisFirst Bancshares stock, see the SFBS Stock Forecast page.