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SFBS 
ServisFirst Bancshares Inc (SFBS)
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Upturn Advisory Summary
12/05/2025: SFBS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $86.67
1 Year Target Price $86.67
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.62% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.95B USD | Price to earnings Ratio 15.47 | 1Y Target Price 86.67 |
Price to earnings Ratio 15.47 | 1Y Target Price 86.67 | ||
Volume (30-day avg) 3 | Beta 0.94 | 52 Weeks Range 65.92 - 95.59 | Updated Date 12/6/2025 |
52 Weeks Range 65.92 - 95.59 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 1.87% | Basic EPS (TTM) 4.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 51.31% | Operating Margin (TTM) 64.38% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 15.24% |
Valuation
Trailing PE 15.47 | Forward PE 22.57 | Enterprise Value 4930065408 | Price to Sales(TTM) 7.93 |
Enterprise Value 4930065408 | Price to Sales(TTM) 7.93 | ||
Enterprise Value to Revenue 6.78 | Enterprise Value to EBITDA - | Shares Outstanding 54621834 | Shares Floating 50478222 |
Shares Outstanding 54621834 | Shares Floating 50478222 | ||
Percent Insiders 6.66 | Percent Institutions 76.13 |
Upturn AI SWOT
ServisFirst Bancshares Inc
Company Overview
History and Background
ServisFirst Bancshares Inc. was founded in 2005 and is headquartered in Birmingham, Alabama. The company operates as the holding company for ServisFirst Bank, a full-service commercial bank. It has grown organically and through strategic hires, focusing on building strong relationships with businesses and individuals in its core markets. Key milestones include its expansion into new markets within the Southeastern United States and its consistent focus on community banking principles.
Core Business Areas
- Commercial Banking: ServisFirst Bank provides a comprehensive suite of commercial banking products and services, including commercial loans, lines of credit, treasury management services, and deposit accounts for businesses of all sizes.
- Retail Banking: The bank offers a range of retail banking services, including checking accounts, savings accounts, certificates of deposit, and consumer loans, catering to individual customers.
- Mortgage Banking: ServisFirst Bank provides residential mortgage lending services, assisting individuals in financing their home purchases.
- Wealth Management: The company offers wealth management services, including investment advisory, trust services, and estate planning, to help clients manage and grow their assets.
Leadership and Structure
ServisFirst Bancshares Inc. is led by a team of experienced banking professionals. Thomas A. Blake, Jr. serves as Chairman and CEO. The organizational structure is centered around its primary subsidiary, ServisFirst Bank, which operates through various branches and specialized lending departments. The company emphasizes a decentralized, market-driven approach to banking, empowering local leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: ServisFirst Bank offers a variety of commercial loans, including term loans, construction loans, and real estate financing. Competitors include large national banks (e.g., JPMorgan Chase, Bank of America) and regional banks operating in their specific markets. Specific market share data for this product line is not publicly available for ServisFirst Bancshares Inc. individually.
- Treasury Management Services: These services include cash management, fraud prevention, and payment processing for businesses. Key competitors are similar to those for commercial loans, including established financial institutions.
- Deposit Accounts (Commercial & Retail): ServisFirst Bank provides a range of deposit products designed to meet the needs of both business and individual customers. Competition is fierce from all types of financial institutions.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and regulated. Key trends include the increasing adoption of digital banking technologies, a focus on personalized customer service, and ongoing consolidation. Interest rate environments significantly impact profitability. The regional banking sector, where ServisFirst Bancshares Inc. primarily operates, often emphasizes community relationships and local economic development.
Positioning
ServisFirst Bancshares Inc. positions itself as a relationship-driven community bank with a strong emphasis on commercial banking services. Its competitive advantages lie in its personalized service, experienced local leadership, and a focus on serving growing businesses in the Southeastern US. The company aims to be a preferred financial partner for businesses and individuals in its chosen markets.
Total Addressable Market (TAM)
The TAM for commercial and retail banking services in the US is in the trillions of dollars. ServisFirst Bancshares Inc. focuses on specific geographic regions within the Southeastern United States, carving out a niche by providing specialized commercial banking solutions and superior customer service. Its positioning is as a significant player within its target regional markets rather than attempting to compete broadly across the entire national TAM.
Upturn SWOT Analysis
Strengths
- Strong customer relationships and personalized service.
- Experienced and dedicated local leadership teams.
- Focus on high-growth markets in the Southeast.
- Solid track record of organic growth and profitability.
- Agile decision-making due to community bank structure.
Weaknesses
- Limited geographic diversification compared to national banks.
- Smaller balance sheet and capital base than larger competitors.
- Reliance on interest income, susceptible to interest rate fluctuations.
- Brand recognition may be lower than larger, national institutions.
Opportunities
- Expansion into adjacent, underserved markets within the Southeast.
- Leveraging technology to enhance digital banking offerings.
- Growth in commercial and industrial lending as the economy expands.
- Acquisition of smaller, complementary financial institutions.
- Increasing demand for wealth management services.
Threats
- Intensifying competition from larger banks and fintech companies.
- Adverse changes in economic conditions and interest rate environments.
- Increasing regulatory compliance costs.
- Cybersecurity risks and data breaches.
- Potential for slower loan growth if economic outlook deteriorates.
Competitors and Market Share
Key Competitors
- Synovus Financial Corp. (SNV)
- Regions Financial Corp. (RF)
- BB&T Corporation (BBT) (now Truist Financial Corporation - TFC)
- PNC Financial Services Group, Inc. (PNC)
Competitive Landscape
ServisFirst Bancshares Inc. competes in a landscape dominated by larger regional and national banks. Its advantage lies in its niche focus, agility, and personalized customer service, which can be difficult for larger institutions to replicate. However, it faces challenges in terms of scale, technological investment capacity, and broad brand recognition. Its strategy is to excel in its chosen markets by being a more responsive and relationship-oriented partner.
Growth Trajectory and Initiatives
Historical Growth: ServisFirst Bancshares Inc. has experienced consistent historical growth, primarily driven by organic expansion, effective loan origination, and strong deposit growth within its established markets. The company has strategically opened new branches and hired experienced bankers to penetrate new geographic areas within the Southeastern US. This organic growth strategy has been a hallmark of its success.
Future Projections: Analyst projections for ServisFirst Bancshares Inc. generally indicate continued growth, albeit at a pace influenced by broader economic conditions and interest rate trends. Expectations often center on sustained loan and deposit growth, with potential for further market share gains in its core regions. Digital innovation and prudent risk management are expected to be key to future success.
Recent Initiatives: Recent initiatives by ServisFirst Bancshares Inc. likely focus on enhancing its digital banking capabilities to meet evolving customer expectations, expanding its commercial lending team to capture market opportunities, and potentially exploring strategic partnerships or smaller acquisitions to accelerate growth. Continued investment in talent and technology remains a priority.
Summary
ServisFirst Bancshares Inc. is a well-positioned community bank with a strong track record of organic growth and profitability in the Southeastern US. Its strengths lie in its customer relationships and experienced leadership. However, it faces challenges from larger competitors and the dynamic banking environment. Continued investment in technology and strategic market expansion are key to maintaining its growth trajectory and mitigating threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Websites
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Financial Data Providers (e.g., Yahoo Finance, Google Finance)
- Industry Analyst Reports
Disclaimers:
This JSON output is an analysis based on publicly available information and general industry knowledge. Financial data and market share figures are estimates and subject to change. This analysis is for informational purposes only and should not be considered investment advice. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ServisFirst Bancshares Inc
Exchange NYSE | Headquaters Birmingham, AL, United States | ||
IPO Launch date 2014-05-14 | Chairman, President & CEO Mr. Thomas Ashford Broughton III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 650 | Website https://www.servisfirstbank.com |
Full time employees 650 | Website https://www.servisfirstbank.com | ||
ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. It accepts demand, time, savings, and other deposits; checking, money market, and IRA accounts; and certificates of deposit. The company's loan products include commercial lending products, including seasonal, bridge, and term loans for working capital, expansion of the business, acquisition of property, and plant and equipment, as well as commercial lines of credit; commercial real estate loans, 1-4 family residential real estate loans, and construction, and development loans; and consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans. It also offers other banking products and services comprising telephone and mobile banking, Internet banking, direct deposit, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit and credit card systems; treasury and cash management services; wire transfer, night depository, banking-by-mail, and remote capture services; and correspondent banking services to other financial institutions. In addition, the company holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. The company was founded in 2005 and is headquartered in Birmingham, Alabama.
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