ServisFirst Bancshares (SFBS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

ServisFirst Bancshares

NYSE•Financial Services•Banks - Regional

$41.28-1.05(-0.02%)Pre-market

Market Cap

$2.24B

P/E

7.0x

P/S

3.6x

P/B

1.1x

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.

How this company scores

ExcellentMetricSide Score: 82/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability25/25

Growth24/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsHigh ROE

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 7.0x5y range 2.7x – 11.2x

Currently near its 20-quarter median.

P/S · 3.6x5y range 1.4x – 5.5x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.8x – 2.0x

Price & Volume

Market Cap $2.24B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $626.01M
Q. Revenue: $168.53M
TTM EBITDA: $401.68M
TTM Op. Income: $394.55M
Q. Op. Income: $107.16M
TTM Net Income: $320.72M
Q. Net Income: $85.79M
EPS: $1.57
Shares Out.: $54.67M

$626.01M in TTM revenue grew 20.5% YoY, reaching $168.53M last quarter. TTM EBITDA of $401.68M and TTM operating income of $394.55M show growth is flowing through to the bottom line. TTM net income of $320.72M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 44.1%
EBITDA Margin: 64.3%
Op. Margin: 63.6%
Net Margin: 50.9%

Op. margin of 63.6% is up 5.6% YoY — cost efficiency is improving. Net margin at 50.9% and gross margin of 44.1% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 10% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 7.0x
P/S Ratio: 3.6x
P/B Ratio: 1.1x

At 7.0x P/E, the stock trades below typical market levels. P/S of 3.6x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 18% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $18.35B
Cash: $1.46B
Long-Term Debt: N/A
Book Value: $1.98B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $163.10M
TTM Free Cash Flow: $464.25M
FCF Margin: 74.2%
FCF / Net Income: 1.4

TTM FCF of $464.25M on $163.10M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 5 consecutive quarters — an improving trend.