SERVISFIRST BANCSHARES INC (SFBS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SFBS - US81768T1088 - Common Stock
70.44 USD
+2.68 (+3.96%)
70.44 USD
0 (0%)
Taking everything into account, SFBS scores 4 out of 10 in our fundamental rating. SFBS was compared to 388 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 growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
SFBS had positive earnings in the past year.
In the past year SFBS had a positive cash flow from operations.
In the past 5 years SFBS has always been profitable.
SFBS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.45%, SFBS belongs to the best of the industry, outperforming 87.66% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.33%, SFBS belongs to the top of the industry, outperforming 92.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 14.33% | ||
| 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
1.3 Margins
SFBS has a Profit Margin of 47.95%. This is amongst the best in the industry. SFBS outperforms 99.74% of its industry peers.
SFBS's Profit Margin has been stable in the last couple of years.
SFBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 47.95% | ||
| 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
2. Health
2.1 Basic Checks
SFBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
SFBS has about the same amout of shares outstanding than it did 1 year ago.
SFBS has more shares outstanding than it did 5 years ago.
SFBS has a worse debt/assets ratio than last year.
2.2 Solvency
SFBS has a debt to FCF ratio of 4.86. This is a neutral value as SFBS would need 4.86 years to pay back of all of its debts.
SFBS has a Debt to FCF ratio of 4.86. This is in the lower half of the industry: SFBS underperforms 69.41% of its industry peers.
SFBS has a Debt/Equity ratio of 0.87. This is a neutral value indicating SFBS is somewhat dependend on debt financing.
SFBS has a Debt to Equity ratio of 0.87. This is amonst the worse of the industry: SFBS underperforms 84.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 4.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 29.95% over the past year.
SFBS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.71% yearly.
Looking at the last year, SFBS shows a quite strong growth in Revenue. The Revenue has grown by 15.99% in the last year.
Measured over the past years, SFBS shows a quite strong growth in Revenue. The Revenue has been growing by 9.10% on average per year.
EPS 1Y (TTM)29.95%
EPS 3Y2.53%
EPS 5Y8.71%
EPS Q2Q%18.18%
Revenue 1Y (TTM)15.99%
Revenue growth 3Y4.84%
Revenue growth 5Y9.1%
Sales Q2Q%16.51%
3.2 Future
SFBS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.35% yearly.
The Revenue is expected to grow by 14.80% on average over the next years. This is quite good.
EPS Next Y23.58%
EPS Next 2Y22.36%
EPS Next 3Y18.35%
EPS Next 5YN/A
Revenue Next Year18.1%
Revenue Next 2Y17.48%
Revenue Next 3Y14.8%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.49, SFBS is valued correctly.
SFBS's Price/Earnings ratio is a bit more expensive when compared to the industry. SFBS is more expensive than 67.61% of the companies in the same industry.
When comparing the Price/Earnings ratio of SFBS to the average of the S&P500 Index (25.45), we can say SFBS is valued slightly cheaper.
SFBS is valuated reasonably with a Price/Forward Earnings ratio of 11.31.
SFBS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SFBS is more expensive than 62.21% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SFBS to the average of the S&P500 Index (34.46), we can say SFBS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.49 | ||
| Fwd PE | 11.31 |
4.2 Price Multiples
SFBS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.04 | ||
| EV/EBITDA | N/A |
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 18.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.66
EPS Next 2Y22.36%
EPS Next 3Y18.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.98%, SFBS has a reasonable but not impressive dividend return.
The stock price of SFBS dropped by -20.26% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.35, SFBS is paying slightly less dividend.
SFBS's Dividend Yield is comparable with the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.98% |
5.2 History
On average, the dividend of SFBS grows each year by 21.67%, which is quite nice.
SFBS has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)21.67%
Div Incr Years0
Div Non Decr Years0
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 2Y22.36%
EPS Next 3Y18.35%
70.44
+2.68 (+3.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.15%
Inst Owner Change-3.61%
Ins Owners6.66%
Ins Owner Change-0.4%
Market Cap3.85B
Revenue(TTM)532.19M
Net Income(TTM)255.19M
Analysts77.78
Price Target88.4 (25.5%)
Short Float %6.1%
Short Ratio13.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.98% |
Yearly Dividend1.2
Dividend Growth(5Y)21.67%
DP27.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.29%
Min EPS beat(2)-4.89%
Max EPS beat(2)-1.69%
EPS beat(4)1
Avg EPS beat(4)-1.34%
Min EPS beat(4)-4.89%
Max EPS beat(4)5.11%
EPS beat(8)4
Avg EPS beat(8)-0.4%
EPS beat(12)6
Avg EPS beat(12)0.22%
EPS beat(16)7
Avg EPS beat(16)-0.18%
Revenue beat(2)0
Avg Revenue beat(2)-3.82%
Min Revenue beat(2)-4.38%
Max Revenue beat(2)-3.26%
Revenue beat(4)1
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-4.38%
Max Revenue beat(4)2.16%
Revenue beat(8)3
Avg Revenue beat(8)-1.6%
Revenue beat(12)4
Avg Revenue beat(12)-2.42%
Revenue beat(16)7
Avg Revenue beat(16)-1.68%
PT rev (1m)-4.76%
PT rev (3m)-2.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.69%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-0.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.49 | ||
| Fwd PE | 11.31 | ||
| P/S | 7.23 | ||
| P/FCF | 12.04 | ||
| P/OCF | 11.9 | ||
| P/B | 2.16 | ||
| P/tB | 2.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.86
EY6.9%
EPS(NY)6.23
Fwd EY8.84%
FCF(TTM)5.85
FCFY8.31%
OCF(TTM)5.92
OCFY8.41%
SpS9.74
BVpS32.61
TBVpS32.1
PEG (NY)0.61
PEG (5Y)1.66
Graham Number59.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 14.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 47.95% | ||
| GM | N/A | ||
| FCFM | 60.05% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 4.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.13% | ||
| Cap/Sales | 0.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 125.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.52%
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)29.95%
EPS 3Y2.53%
EPS 5Y8.71%
EPS Q2Q%18.18%
EPS Next Y23.58%
EPS Next 2Y22.36%
EPS Next 3Y18.35%
EPS Next 5YN/A
Revenue 1Y (TTM)15.99%
Revenue growth 3Y4.84%
Revenue growth 5Y9.1%
Sales Q2Q%16.51%
Revenue Next Year18.1%
Revenue Next 2Y17.48%
Revenue Next 3Y14.8%
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 1Y82.31%
FCF growth 3Y-1.13%
FCF growth 5Y8.93%
OCF growth 1Y79.69%
OCF growth 3Y-1.7%
OCF growth 5Y9.01%
SERVISFIRST BANCSHARES INC / SFBS FAQ
Can you provide the ChartMill fundamental rating for SERVISFIRST BANCSHARES INC?
ChartMill assigns a fundamental rating of 4 / 10 to SFBS.
What is the valuation status of SERVISFIRST BANCSHARES INC (SFBS) stock?
ChartMill assigns a valuation rating of 4 / 10 to SERVISFIRST BANCSHARES INC (SFBS). This can be considered as Fairly Valued.
What is the profitability of SFBS stock?
SERVISFIRST BANCSHARES INC (SFBS) has a profitability rating of 5 / 10.
What is the valuation of SERVISFIRST BANCSHARES INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SERVISFIRST BANCSHARES INC (SFBS) is 14.49 and the Price/Book (PB) ratio is 2.16.
What is the expected EPS growth for SERVISFIRST BANCSHARES INC (SFBS) stock?
The Earnings per Share (EPS) of SERVISFIRST BANCSHARES INC (SFBS) is expected to grow by 23.58% in the next year.