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SERVISFIRST BANCSHARES INC (SFBS) Stock Fundamental Analysis

NYSE:SFBS - New York Stock Exchange, Inc. - US81768T1088 - Common Stock - Currency: USD

82.56  +0.69 (+0.84%)

After market: 82.56 0 (0%)

Fundamental Rating

4

Taking everything into account, SFBS scores 4 out of 10 in our fundamental rating. SFBS was compared to 393 industry peers in the Banks industry. There are concerns on the financial health of SFBS while its profitability can be described as average. SFBS is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year SFBS was profitable.
SFBS had a positive operating cash flow in the past year.
Each year in the past 5 years SFBS has been profitable.
In the past 5 years SFBS always reported a positive cash flow from operatings.
SFBS Yearly Net Income VS EBIT VS OCF VS FCFSFBS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.44%, SFBS belongs to the top of the industry, outperforming 88.04% of the companies in the same industry.
SFBS has a Return On Equity of 14.50%. This is amongst the best in the industry. SFBS outperforms 91.86% of its industry peers.
Industry RankSector Rank
ROA 1.44%
ROE 14.5%
ROIC N/A
ROA(3y)1.44%
ROA(5y)1.42%
ROE(3y)15.93%
ROE(5y)16.58%
ROIC(3y)N/A
ROIC(5y)N/A
SFBS Yearly ROA, ROE, ROICSFBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

SFBS's Profit Margin of 48.05% is amongst the best of the industry. SFBS outperforms 99.75% of its industry peers.
In the last couple of years the Profit Margin of SFBS has remained more or less at the same level.
SFBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 48.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.73%
PM growth 5Y-0.3%
GM growth 3YN/A
GM growth 5YN/A
SFBS Yearly Profit, Operating, Gross MarginsSFBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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0

2. Health

2.1 Basic Checks

SFBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SFBS remains at a similar level compared to 1 year ago.
Compared to 5 years ago, SFBS has more shares outstanding
Compared to 1 year ago, SFBS has a worse debt to assets ratio.
SFBS Yearly Shares OutstandingSFBS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
SFBS Yearly Total Debt VS Total AssetsSFBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

SFBS has a debt to FCF ratio of 6.37. This is a slightly negative value and a sign of low solvency as SFBS would need 6.37 years to pay back of all of its debts.
SFBS has a worse Debt to FCF ratio (6.37) than 71.76% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that SFBS is somewhat dependend on debt financing.
SFBS has a Debt to Equity ratio of 0.97. This is amonst the worse of the industry: SFBS underperforms 84.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 6.37
Altman-Z N/A
ROIC/WACCN/A
WACC13.21%
SFBS Yearly LT Debt VS Equity VS FCFSFBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SFBS Yearly Current Assets VS Current LiabilitesSFBS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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3. Growth

3.1 Past

SFBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.73%, which is quite impressive.
The Earnings Per Share has been growing by 8.71% on average over the past years. This is quite good.
The Revenue has grown by 17.30% in the past year. This is quite good.
The Revenue has been growing by 9.10% on average over the past years. This is quite good.
EPS 1Y (TTM)28.73%
EPS 3Y2.53%
EPS 5Y8.71%
EPS Q2Q%27.37%
Revenue 1Y (TTM)17.3%
Revenue growth 3Y4.84%
Revenue growth 5Y9.1%
Sales Q2Q%20.59%

3.2 Future

Based on estimates for the next years, SFBS will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.77% on average per year.
Based on estimates for the next years, SFBS will show a quite strong growth in Revenue. The Revenue will grow by 16.70% on average per year.
EPS Next Y22.43%
EPS Next 2Y19.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.03%
Revenue Next 2Y16.7%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SFBS Yearly Revenue VS EstimatesSFBS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
SFBS Yearly EPS VS EstimatesSFBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.72, SFBS is valued on the expensive side.
76.34% of the companies in the same industry are cheaper than SFBS, based on the Price/Earnings ratio.
SFBS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.85, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 13.84, the valuation of SFBS can be described as correct.
SFBS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SFBS is more expensive than 70.99% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SFBS to the average of the S&P500 Index (34.98), we can say SFBS is valued rather cheaply.
Industry RankSector Rank
PE 17.72
Fwd PE 13.84
SFBS Price Earnings VS Forward Price EarningsSFBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SFBS indicates a slightly more expensive valuation: SFBS is more expensive than 65.90% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.27
EV/EBITDA N/A
SFBS Per share dataSFBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

SFBS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SFBS's earnings are expected to grow with 19.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.79
PEG (5Y)2.03
EPS Next 2Y19.77%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.62%, SFBS has a reasonable but not impressive dividend return.
SFBS's Dividend Yield is slightly below the industry average, which is at 3.41.
SFBS's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

The dividend of SFBS is nicely growing with an annual growth rate of 21.67%!
SFBS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)21.67%
Div Incr Years0
Div Non Decr Years0
SFBS Yearly Dividends per shareSFBS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

27.78% of the earnings are spent on dividend by SFBS. This is a low number and sustainable payout ratio.
The dividend of SFBS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.78%
EPS Next 2Y19.77%
EPS Next 3YN/A
SFBS Yearly Income VS Free CF VS DividendSFBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
SFBS Dividend Payout.SFBS Dividend Payout, showing the Payout Ratio.SFBS Dividend Payout.PayoutRetained Earnings

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SERVISFIRST BANCSHARES INC

NYSE:SFBS (8/19/2025, 8:18:01 PM)

After market: 82.56 0 (0%)

82.56

+0.69 (+0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/dmh
Earnings (Next)10-20 2025-10-20/amc
Inst Owners75.8%
Inst Owner Change1.56%
Ins Owners6.7%
Ins Owner Change0.12%
Market Cap4.51B
Analysts47.5
Price Target90.78 (9.96%)
Short Float %6.65%
Short Ratio13.58
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend1.2
Dividend Growth(5Y)21.67%
DP27.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date07-01 2025-07-01 (0.335)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.79%
Min EPS beat(2)-3.89%
Max EPS beat(2)-1.69%
EPS beat(4)2
Avg EPS beat(4)2.67%
Min EPS beat(4)-3.89%
Max EPS beat(4)11.18%
EPS beat(8)5
Avg EPS beat(8)0.32%
EPS beat(12)6
Avg EPS beat(12)0.08%
EPS beat(16)7
Avg EPS beat(16)0.01%
Revenue beat(2)0
Avg Revenue beat(2)-3.44%
Min Revenue beat(2)-3.62%
Max Revenue beat(2)-3.26%
Revenue beat(4)2
Avg Revenue beat(4)-1.04%
Min Revenue beat(4)-3.62%
Max Revenue beat(4)2.16%
Revenue beat(8)3
Avg Revenue beat(8)-1.54%
Revenue beat(12)5
Avg Revenue beat(12)-2.05%
Revenue beat(16)7
Avg Revenue beat(16)-1.53%
PT rev (1m)8.54%
PT rev (3m)8.54%
EPS NQ rev (1m)4.14%
EPS NQ rev (3m)0.25%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.84%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.21%
Valuation
Industry RankSector Rank
PE 17.72
Fwd PE 13.84
P/S 8.68
P/FCF 17.27
P/OCF 16.91
P/B 2.62
P/tB 2.66
EV/EBITDA N/A
EPS(TTM)4.66
EY5.64%
EPS(NY)5.97
Fwd EY7.23%
FCF(TTM)4.78
FCFY5.79%
OCF(TTM)4.88
OCFY5.92%
SpS9.51
BVpS31.51
TBVpS31.02
PEG (NY)0.79
PEG (5Y)2.03
Profitability
Industry RankSector Rank
ROA 1.44%
ROE 14.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 48.05%
GM N/A
FCFM 50.26%
ROA(3y)1.44%
ROA(5y)1.42%
ROE(3y)15.93%
ROE(5y)16.58%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.73%
PM growth 5Y-0.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 6.37
Debt/EBITDA N/A
Cap/Depr 116.49%
Cap/Sales 1.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 104.6%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.21%
ROIC/WACCN/A
Cap/Depr(3y)91.83%
Cap/Depr(5y)109.04%
Cap/Sales(3y)0.86%
Cap/Sales(5y)1.09%
Profit Quality(3y)103.25%
Profit Quality(5y)108.99%
High Growth Momentum
Growth
EPS 1Y (TTM)28.73%
EPS 3Y2.53%
EPS 5Y8.71%
EPS Q2Q%27.37%
EPS Next Y22.43%
EPS Next 2Y19.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.3%
Revenue growth 3Y4.84%
Revenue growth 5Y9.1%
Sales Q2Q%20.59%
Revenue Next Year19.03%
Revenue Next 2Y16.7%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.75%
FCF growth 3Y-1.13%
FCF growth 5Y8.93%
OCF growth 1Y11.1%
OCF growth 3Y-1.7%
OCF growth 5Y9.01%