ServisFirst Bancshares (SFBS) AI Stock Analysis

• Market Cap: $4.35B
• Dividend Yield: 1.68%
• Average Volume (3M): 247.58K
• Price to Earnings (P/E): 18.1
• Beta (1Y): 1.24
• Revenue Growth: 11.59%
• EPS Growth: 20.64%
• Country: US
• Employees: 636
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 1.16
• Shares Outstanding: 54,612,060
• 10 Day Avg. Volume: 176,564
• 30 Day Avg. Volume: 247,583
• PEG Ratio: 3.17
• Price to Book (P/B): 2.63
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 18.16
• Enterprise Value/Market Cap: 0.79
• Enterprise Value/Revenue: 0.89
• Enterprise Value/Gross Profit: 7.22
• Enterprise Value/Ebitda: 3.18
• 1Y Price Target: $84.00
• Price Target Upside: 3.42% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 78 Outperform
• Price Target: $88.00 ▲(8.35%Upside)

ServisFirst Bancshares stands out for its strong financial performance, effective management of loans and deposits, and healthy balance sheet. Technical indicators suggest caution with potential overvaluation signals. The earnings call and corporate events reinforce a positive outlook, despite some concerns over credit and margin pressures.

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 its revenue primarily through interest income from its loan portfolio, which includes commercial loans, real estate loans, and consumer loans. The company also earns income from fees and service charges associated with its banking services, such as account maintenance fees, transaction charges, and ATM fees. Additionally, ServisFirst Bancshares benefits from investment securities income and wealth management services, which provide advisory and investment management fees. The company's profitability is influenced by factors such as interest rate changes, loan demand, and economic conditions in its operating regions. Strategic partnerships with financial technology firms and other financial institutions may also enhance its service offerings and revenue potential.

ServisFirst Bancshares Financial Statement Overview

Summary

ServisFirst Bancshares shows strong financial health with consistent revenue growth and robust profitability. The balance sheet is solid despite a slight increase in total debt, and cash flow is managed well. Monitoring net profit margins and debt levels remains crucial.

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: 81.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 81.22 is above the 20-day moving average (MA) of 78.89, above the 50-day MA of 76.30, and below the 200-day MA of 82.36, indicating a neutral trend. The MACD of 1.87 indicates Negative momentum. The RSI at 57.95 is Neutral, neither overbought nor oversold. The STOCH value of 46.25 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
HWC	80 Outperform	$4.99B	10.73	11.02%	3.09%	0.30%	―
IBOC	79 Outperform	$4.21B	10.34	15.20%	2.06%	4.24%	0.38%
SFBS	78 Outperform	$4.35B	18.09	15.30%	1.68%	11.59%	20.64%
ABCB	78 Outperform	$4.53B	12.20	10.19%	1.20%	7.16%	31.69%
FNB	78 Outperform	$5.53B	12.12	7.40%	3.09%	10.34%	2.54%
OZK	76 Outperform	$5.75B	8.30	12.85%	3.47%	13.85%	2.43%
Sector *	68 Neutral	¥723.82B	10.78	7.55%	3.29%	7.95%	15.83%

ServisFirst Bancshares Corporate Events

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.

ServisFirst Bancshares Appoints New Chief Credit Officer

On April 21, 2025, ServisFirst Bancshares announced the appointment of Jim Harper as Senior Vice President and Chief Credit Officer of ServisFirst Bank, effective immediately. Harper, who has over 20 years of experience in credit risk and portfolio management, previously held senior credit roles at Cadence Bank and other financial institutions. His appointment is expected to strengthen the bank’s credit platform and support its continued growth and prudent lending practices. The current Chief Credit Officer, Henry Abbott, will transition to a consulting role to assist with the transition.

ServisFirst Bancshares Reports Strong Q1 2025 Earnings

On April 21, 2025, ServisFirst Bancshares announced its first quarter earnings for 2025, reporting a 26.1% increase in diluted earnings per share compared to the same period in 2024. The company experienced significant growth in deposits and loans, with deposits increasing by $886 million and loans by $281 million during the quarter. The bank’s liquidity remains strong with $3.3 billion in cash, and its capital ratios have improved, indicating a robust financial position. The management highlighted opportunities for new customer relationships and market expansions in the Southeast, reflecting a positive outlook for future growth.