A Business at a Glance
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ServisFirst Bancshares, Inc.
SFBS
$4.8B
Mkt Cap
$87.61
+0.68%
ServisFirst Bancshares, Inc. (SFBS) has a current P/E ratio of 17.3, compared to its historical median P/E of 16.0. The stock is currently considered Fair based on its historical valuation range.
ServisFirst Bancshares, Inc. (SFBS) has a 5-year average return on invested capital (ROIC) of 16.6%. This indicates strong capital allocation and a potential competitive advantage.
ServisFirst Bancshares, Inc. (SFBS) has a market capitalization of $4.8B. It is classified as a mid-cap stock.
Yes, ServisFirst Bancshares, Inc. (SFBS) pays a dividend with a trailing twelve-month yield of 1.53%.
Based on historical P/E analysis, ServisFirst Bancshares, Inc. (SFBS) appears fair. The current P/E of 17.3 is 8% above its historical median of 16.0. The estimated fair value CAGR (P/E method) is 8.7%.
ServisFirst Bancshares, Inc. (SFBS) operates in the State Commercial Banks industry, within the Financials sector.
ServisFirst Bancshares, Inc. (SFBS) reported annual revenue of $1.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
We are a bank holding company within the meaning of the Bank Holding Company Act of 1956 and are headquartered in Birmingham, Alabama. Through our wholly-owned subsidiary bank, we operate 33 full-service banking offices located in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. We also operate a loan production office in Florida. Through our bank, we originate commercial, consumer and other loans and accept deposits, provide electronic banking services, such as online and mobile banking, including remote deposit capture, deliver treasury and cash management services and provide correspondent banking services to other financial institutions. As of December 31, 2025, we had total assets of approximately $17.73 billion, total loans of approximately $13.70 billion, total deposits of approximately $14.22 billion, and total stockholders’ equity of approximately $1.85 billion.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 590M | 1.0B | 981M | 844M | 593M | 450M |
| Net Income | 296M | 277M | 227M | 207M | 251M | 208M |
| EPS | $5.42 | $5.06 | $4.16 | $3.79 | $4.61 | $3.82 |
| Free Cash Flow | 0 | 355M | 253M | 197M | 273M | 266M |
| ROIC | 15.5% | 16.0% | 13.5% | 13.6% | 20.5% | 19.4% |
| Gross Margin | - | 51.8% | 46.9% | 50.1% | 78.7% | 85.9% |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.21 | 0.00 | 0.00 |
| Dividends/Share | $0.00 | $1.34 | $1.20 | $0.84 | $0.69 | $0.60 |
| Operating Income | 2.7M | 342M | 279M | 245M | 13M | 253M |
| Operating Margin | 0.5% | 33.6% | 28.4% | 29.0% | 2.1% | 56.3% |
| ROE | 15.5% | 16.0% | 14.9% | 15.1% | 20.5% | 19.4% |
| Shares Outstanding | 55M | 55M | 55M | 55M | 55M | 54M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 156M | 194M | 230M | 280M | 346M | 415M | 419M | 450M | 593M | 844M | 981M | 1.0B | 590M |
| Gross Margin | 84.3% | 84.2% | 82.9% | 79.1% | 75.3% | 69.7% | 77.7% | 85.9% | 78.7% | 50.1% | 46.9% | 51.8% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 31M | 39M | 44M | 48M | 52M | 58M | 61M | 68M | 78M | 81M | 96M | 95M | 99M |
| EBIT | 74M | 89M | 111M | 137M | 169M | 187M | 214M | 253M | 13M | 245M | 279M | 342M | 2.7M |
| Op. Margin | 47.5% | 46.0% | 48.2% | 49.0% | 48.8% | 45.1% | 51.1% | 56.3% | 2.1% | 29.0% | 28.4% | 33.6% | 0.5% |
| Net Income | 52M | 63M | 81M | 93M | 137M | 149M | 170M | 208M | 251M | 207M | 227M | 277M | 296M |
| Net Margin | 33.4% | 32.7% | 35.4% | 33.2% | 39.6% | 36.0% | 40.4% | 46.2% | 42.4% | 24.5% | 23.2% | 27.2% | 50.3% |
| Non-Recurring | 5.0M | 7.2M | 9.3M | 13M | 15M | 23M | 26M | 6.6M | 4.2M | 17M | 18M | 23M | 23M |
| Returns on Capital | |||||||||||||
| ROIC | 14.8% | 14.2% | 16.2% | 16.5% | 20.7% | 19.2% | 18.5% | 19.4% | 20.5% | 13.6% | 13.5% | 16.0% | 15.5% |
| ROE | 14.8% | 14.8% | 16.8% | 16.5% | 20.7% | 19.2% | 18.5% | 19.4% | 20.5% | 15.1% | 14.9% | 16.0% | 15.5% |
| ROA | 1.4% | 1.4% | 1.4% | 1.4% | 1.8% | 1.8% | 1.6% | 1.5% | 1.7% | 1.3% | 1.4% | 1.6% | 1.6% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 65M | 76M | 99M | 118M | 168M | 164M | 191M | 266M | 273M | 197M | 253M | 355M | 377M |
| Free Cash Flow | 64M | 71M | 76M | 97M | 166M | 164M | 191M | 266M | 273M | 197M | 253M | 355M | 0 |
| Owner Earnings | 60M | 73M | 95M | 115M | 164M | 159M | 186M | 260M | 265M | 189M | 245M | 348M | 330M |
| CapEx | 1.3M | 5.5M | 22M | 21M | 2.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 1.8M | 2.2M | 2.7M | 2.6M | 3.4M | 3.7M | 3.8M | 4.1M | 4.1M | 4.4M | 4.8M | 4.7M | 44M |
| Growth CapEx | 0 | 3.3M | 20M | 19M | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 1.8M | 2.2M | 2.7M | 2.6M | 3.4M | 3.7M | 3.8M | 4.1M | 4.1M | 4.4M | 4.8M | 4.7M | 44M |
| CapEx/OCF | 2.0% | 7.3% | 22.5% | 17.9% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.6M | 5.9M | 7.9M | 10M | 20M | 24M | 28M | 33M | 37M | 46M | 65M | 73M | 0 |
| Dividend Yield | 0.3% | 0.3% | 0.3% | 0.6% | 1.0% | 1.5% | 1.6% | 1.0% | 0.9% | 1.6% | 1.7% | 1.7% | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 3.7M | 1.3M | 1.2M | 1.2M | 851K | 1.1M | 1.3M | 1.9M | 3.2M | 3.6M | 3.5M | 3.0M | 2.9M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300M | 0 | 1.0M | 1.0M |
| Balance Sheet | |||||||||||||
| Net Debt | -596M | -626M | -1.2B | -1.0B | -1.3B | -1.4B | -3.1B | -5.1B | -1.5B | -2.7B | -3.5B | -1.6B | -1.8B |
| Cash & Equiv. | 297M | 352M | 784M | 478M | 682M | 631M | 2.2B | 4.2B | 816M | 2.1B | 2.4B | 1.6B | 1.8B |
| Long-Term Debt | N/A | 35M | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 300M | 0 | 1.0M | 1.0M |
| Debt/Equity | 0.00 | 0.15 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.21 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| Equity | 407M | 449M | 523M | 607M | 715M | 842M | 992M | 1.2B | 1.3B | 1.4B | 1.6B | 1.8B | 1.9B |
| Total Assets | 4.1B | 5.1B | 6.4B | 7.1B | 8.0B | 8.9B | 11.9B | 15.4B | 14.6B | 16.1B | 17.4B | 17.7B | 18.2B |
| Total Liabilities | 3.7B | 4.6B | 5.8B | 6.5B | 7.3B | 8.1B | 10.9B | 14.3B | 13.3B | 14.7B | 15.7B | 15.9B | 16.3B |
| Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | N/A | N/A | N/A | N/A |
| Retained Earnings | 177M | 234M | 307M | 390M | 501M | 617M | 748M | 911M | 1.1B | 1.3B | 1.4B | 1.6B | 1.7B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.53 | 0.60 | 0.76 | 1.72 | 2.53 | 2.76 | 3.13 | 3.82 | 4.61 | 3.79 | 4.16 | 5.06 | 5.42 |
| Owner EPS | 0.60 | 0.69 | 0.88 | 2.12 | 3.03 | 2.95 | 3.44 | 4.79 | 4.86 | 3.47 | 4.48 | 6.36 | 6.04 |
| Book Value | 4.11 | 4.26 | 4.88 | 11.22 | 13.21 | 15.58 | 18.32 | 21.18 | 23.79 | 26.39 | 29.60 | 33.85 | 34.98 |
| Cash Flow/Share | 0.66 | 0.72 | 0.92 | 2.19 | 3.11 | 3.04 | 3.53 | 4.90 | 5.00 | 3.62 | 4.63 | 6.50 | 6.23 |
| Dividends/Share | 0.03 | 0.06 | 0.07 | 0.19 | 0.37 | 0.45 | 0.52 | 0.60 | 0.69 | 0.84 | 1.20 | 1.34 | 0.00 |
| Shares Out. | 98.9M | 105.4M | 107.1M | 54.1M | 54.1M | 54.1M | 54.2M | 54.4M | 54.5M | 54.6M | 54.6M | 54.7M | 54.7M |
| Valuation | |||||||||||||
| P/E Ratio | 13.3 | 17.7 | 21.7 | 21.6 | 11.2 | 12.3 | 11.9 | 21.5 | 13.8 | 17.6 | 20.4 | 14.5 | 16.2 |
| P/FCF | 21.5 | 31.6 | 46.4 | 20.7 | 9.2 | 11.2 | 10.6 | 16.7 | 12.8 | 18.5 | 18.3 | 11.3 | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.7 | 2.5 | 3.4 | 3.3 | 2.1 | 2.2 | 2.0 | 3.9 | 2.7 | 2.5 | 2.9 | 2.2 | 2.5 |
| Price/Sales | 4.4 | 4.9 | 5.7 | 7.3 | 6.9 | 5.2 | 4.8 | 8.1 | 8.3 | 6.5 | 8.0 | 7.6 | 8.1 |
| FCF Yield | 9.3% | 6.3% | 4.3% | 4.8% | 10.9% | 9.0% | 9.5% | 6.0% | 7.8% | 5.4% | 5.5% | 8.9% | N/A |
| Market Cap | 688M | 1.1B | 1.8B | 2.0B | 1.5B | 1.8B | 2.0B | 4.5B | 3.5B | 3.6B | 4.6B | 4.0B | 4.8B |
| Avg. Price | 12.60 | 16.26 | 21.94 | 33.13 | 35.88 | 30.23 | 32.49 | 61.96 | 76.95 | 52.55 | 70.62 | 78.35 | 87.61 |
| Year-End Price | 13.85 | 21.20 | 33.04 | 37.20 | 28.27 | 33.94 | 37.29 | 82.05 | 63.77 | 66.82 | 84.70 | 73.20 | 87.61 |
ServisFirst Bancshares, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
ServisFirst Bancshares, Inc. trades at 17.3x trailing earnings, compared to its 15-year median P/E of 16.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 13.5x vs a median of 14.8x. The company's 5-year average ROIC is 16.6% with a gross margin of 62.7%. Total shareholder yield (dividends) is 1.5%. At current prices, the estimated annualized return to fair value is +7.7%.
ServisFirst Bancshares, Inc. (SFBS) has a net profit margin of 27.2%. This is a strong margin indicating high profitability.
ServisFirst Bancshares, Inc. (SFBS) generated $355 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
ServisFirst Bancshares, Inc. (SFBS) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
ServisFirst Bancshares, Inc. (SFBS) reported earnings per share (EPS) of $5.06 in its most recent fiscal year.
ServisFirst Bancshares, Inc. (SFBS) has a return on equity (ROE) of 16.0%. This indicates the company generates strong returns for shareholders.
ServisFirst Bancshares, Inc. (SFBS) has a 5-year average gross margin of 62.7%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for ServisFirst Bancshares, Inc. (SFBS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
ServisFirst Bancshares, Inc. (SFBS) has a book value per share of $33.85, based on its most recent annual SEC filing.