SERVISFIRST BANCSHARES INC (SFBS) Fundamental Analysis & Valuation

NYSE:SFBS • US81768T1088

Current stock price

74.52 USD
+1 (+1.36%)
At close:
74.52 USD
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This SFBS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SFBS Profitability Analysis

1.1 Basic Checks

  • SFBS had positive earnings in the past year.
  • SFBS had a positive operating cash flow in the past year.
  • SFBS had positive earnings in each of the past 5 years.
  • SFBS had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

1.2 Ratios

  • SFBS has a better Return On Assets (1.56%) than 88.16% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.95%, SFBS belongs to the top of the industry, outperforming 92.89% of the companies in the same industry.
Industry RankSector Rank
ROA 1.56%
ROE 14.95%
ROIC N/A
ROA(3y)1.38%
ROA(5y)1.44%
ROE(3y)14.46%
ROE(5y)16.16%
ROIC(3y)N/A
ROIC(5y)N/A
SFBS Yearly ROA, ROE, ROICSFBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 49.17%, SFBS belongs to the top of the industry, outperforming 99.74% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SFBS has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for SFBS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 49.17%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.46%
PM growth 5Y1.32%
GM growth 3YN/A
GM growth 5YN/A
SFBS Yearly Profit, Operating, Gross MarginsSFBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. SFBS Health Analysis

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
  • SFBS has a better debt/assets ratio than last year.
SFBS Yearly Shares OutstandingSFBS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
SFBS Yearly Total Debt VS Total AssetsSFBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of SFBS is 4.31, which is a neutral value as it means it would take SFBS, 4.31 years of fcf income to pay off all of its debts.
  • SFBS has a Debt to FCF ratio of 4.31. This is in the lower half of the industry: SFBS underperforms 66.58% of its industry peers.
  • SFBS has a Debt/Equity ratio of 0.81. This is a neutral value indicating SFBS is somewhat dependend on debt financing.
  • SFBS has a Debt to Equity ratio of 0.81. This is amonst the worse of the industry: SFBS underperforms 82.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF 4.31
Altman-Z N/A
ROIC/WACCN/A
WACC12.53%
SFBS Yearly LT Debt VS Equity VS FCFSFBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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8

3. SFBS Growth Analysis

3.1 Past

  • SFBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.20%, which is quite impressive.
  • Measured over the past years, SFBS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.90% on average per year.
  • The Revenue has grown by 16.76% in the past year. This is quite good.
  • Measured over the past years, SFBS shows a quite strong growth in Revenue. The Revenue has been growing by 8.85% on average per year.
EPS 1Y (TTM)26.2%
EPS 3Y4.43%
EPS 5Y10.9%
EPS Q2Q%32.77%
Revenue 1Y (TTM)16.76%
Revenue growth 3Y3.7%
Revenue growth 5Y8.85%
Sales Q2Q%-8.65%

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 16.45% on average per year.
  • SFBS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.72% yearly.
EPS Next Y23.37%
EPS Next 2Y16.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.42%
Revenue Next 2Y15.72%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
SFBS Yearly EPS VS EstimatesSFBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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4

4. SFBS Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.19, the valuation of SFBS can be described as correct.
  • Based on the Price/Earnings ratio, SFBS is valued a bit more expensive than 68.42% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, SFBS is valued a bit cheaper.
  • SFBS is valuated reasonably with a Price/Forward Earnings ratio of 11.51.
  • 61.05% of the companies in the same industry are cheaper than SFBS, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of SFBS to the average of the S&P500 Index (22.67), we can say SFBS is valued slightly cheaper.
Industry RankSector Rank
PE 14.19
Fwd PE 11.51
SFBS Price Earnings VS Forward Price EarningsSFBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SFBS is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.66
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

  • The 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 16.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.3
EPS Next 2Y16.45%
EPS Next 3YN/A

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4

5. SFBS Dividend Analysis

5.1 Amount

  • SFBS has a Yearly Dividend Yield of 2.10%. Purely for dividend investing, there may be better candidates out there.
  • SFBS's Dividend Yield is slightly below the industry average, which is at 2.78.
  • SFBS's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.1%

5.2 History

  • On average, the dividend of SFBS grows each year by 20.67%, which is quite nice.
  • SFBS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)20.67%
Div Incr Years0
Div Non Decr Years0
SFBS Yearly Dividends per shareSFBS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SFBS pays out 26.48% of its income as dividend. This is a sustainable payout ratio.
  • SFBS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.48%
EPS Next 2Y16.45%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
SFBS Dividend Payout.SFBS Dividend Payout, showing the Payout Ratio.SFBS Dividend Payout.PayoutRetained Earnings

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SFBS Fundamentals: All Metrics, Ratios and Statistics

SERVISFIRST BANCSHARES INC

NYSE:SFBS (3/24/2026, 8:04:00 PM)

After market: 74.52 0 (0%)

74.52

+1 (+1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners76.99%
Inst Owner Change2.51%
Ins Owners6.68%
Ins Owner Change0.36%
Market Cap4.07B
Revenue(TTM)562.43M
Net Income(TTM)276.54M
Analysts84.44
Price Target93.84 (25.93%)
Short Float %5.78%
Short Ratio8.68
Dividend
Industry RankSector Rank
Dividend Yield 2.1%
Yearly Dividend1.34
Dividend Growth(5Y)20.67%
DP26.48%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.55%
Min EPS beat(2)-4.89%
Max EPS beat(2)11.98%
EPS beat(4)1
Avg EPS beat(4)0.38%
Min EPS beat(4)-4.89%
Max EPS beat(4)11.98%
EPS beat(8)5
Avg EPS beat(8)2.83%
EPS beat(12)7
Avg EPS beat(12)1.36%
EPS beat(16)7
Avg EPS beat(16)0.4%
Revenue beat(2)0
Avg Revenue beat(2)-13.26%
Min Revenue beat(2)-22.15%
Max Revenue beat(2)-4.38%
Revenue beat(4)0
Avg Revenue beat(4)-8.35%
Min Revenue beat(4)-22.15%
Max Revenue beat(4)-3.26%
Revenue beat(8)3
Avg Revenue beat(8)-4.06%
Revenue beat(12)4
Avg Revenue beat(12)-3.64%
Revenue beat(16)7
Avg Revenue beat(16)-3.03%
PT rev (1m)0%
PT rev (3m)6.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.68%
EPS NY rev (1m)0%
EPS NY rev (3m)3.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.33%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)3.89%
Valuation
Industry RankSector Rank
PE 14.19
Fwd PE 11.51
P/S 7.24
P/FCF 11.66
P/OCF 11.46
P/B 2.2
P/tB 2.23
EV/EBITDA N/A
EPS(TTM)5.25
EY7.05%
EPS(NY)6.48
Fwd EY8.69%
FCF(TTM)6.39
FCFY8.58%
OCF(TTM)6.5
OCFY8.72%
SpS10.29
BVpS33.86
TBVpS33.36
PEG (NY)0.61
PEG (5Y)1.3
Graham Number63.24
Profitability
Industry RankSector Rank
ROA 1.56%
ROE 14.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 49.17%
GM N/A
FCFM 62.1%
ROA(3y)1.38%
ROA(5y)1.44%
ROE(3y)14.46%
ROE(5y)16.16%
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-0.46%
PM growth 5Y1.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF 4.31
Debt/EBITDA N/A
Cap/Depr 125.61%
Cap/Sales 1.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.3%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.53%
ROIC/WACCN/A
Cap/Depr(3y)103.62%
Cap/Depr(5y)122.95%
Cap/Sales(3y)0.97%
Cap/Sales(5y)1.18%
Profit Quality(3y)109.7%
Profit Quality(5y)111.95%
High Growth Momentum
Growth
EPS 1Y (TTM)26.2%
EPS 3Y4.43%
EPS 5Y10.9%
EPS Q2Q%32.77%
EPS Next Y23.37%
EPS Next 2Y16.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.76%
Revenue growth 3Y3.7%
Revenue growth 5Y8.85%
Sales Q2Q%-8.65%
Revenue Next Year21.42%
Revenue Next 2Y15.72%
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 1Y40.68%
FCF growth 3Y9.11%
FCF growth 5Y13.07%
OCF growth 1Y40.44%
OCF growth 3Y9.22%
OCF growth 5Y13.18%

SERVISFIRST BANCSHARES INC / SFBS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SERVISFIRST BANCSHARES INC?

ChartMill assigns a fundamental rating of 4 / 10 to SFBS.


Can you provide the valuation status for SERVISFIRST BANCSHARES INC?

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.


Can you provide the PE and PB ratios for SFBS stock?

The Price/Earnings (PE) ratio for SERVISFIRST BANCSHARES INC (SFBS) is 14.19 and the Price/Book (PB) ratio is 2.2.


What is the earnings growth outlook for SERVISFIRST BANCSHARES INC?

The Earnings per Share (EPS) of SERVISFIRST BANCSHARES INC (SFBS) is expected to grow by 23.37% in the next year.