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Upturn AI SWOT - About
SFBS 
ServisFirst Bancshares Inc (SFBS)
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Upturn Advisory Summary
10/15/2025: SFBS (1-star) is a SELL. SELL since 5 days. Simulated Profits (0.43%). Updated daily EoD!
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 $92.33
1 Year Target Price $92.33
| 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 SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.11B USD | Price to earnings Ratio 16.46 | 1Y Target Price 92.33 |
Price to earnings Ratio 16.46 | 1Y Target Price 92.33 | ||
Volume (30-day avg) 3 | Beta 0.85 | 52 Weeks Range 65.92 - 99.71 | Updated Date 10/17/2025 |
52 Weeks Range 65.92 - 99.71 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.74% | Basic EPS (TTM) 4.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 1.34 | Actual - |
Profitability
Profit Margin 51.13% | Operating Margin (TTM) 65.71% |
Management Effectiveness
Return on Assets (TTM) 1.49% | Return on Equity (TTM) 15.45% |
Valuation
Trailing PE 16.46 | Forward PE 22.57 | Enterprise Value 5306166784 | Price to Sales(TTM) 8.41 |
Enterprise Value 5306166784 | Price to Sales(TTM) 8.41 | ||
Enterprise Value to Revenue 8.06 | Enterprise Value to EBITDA - | Shares Outstanding 54620329 | Shares Floating 50479016 |
Shares Outstanding 54620329 | Shares Floating 50479016 | ||
Percent Insiders 6.66 | Percent Institutions 78.05 |
Upturn AI SWOT
ServisFirst Bancshares Inc
Company Overview
History and Background
ServisFirst Bancshares Inc. was founded in 2005 in Birmingham, Alabama, by Tom Broughton. It quickly established itself as a leading bank focused on serving business and professional customers, known for its high-touch, relationship-banking model.
Core Business Areas
- Commercial Banking: Provides a comprehensive suite of commercial banking products and services, including commercial real estate lending, business loans, and treasury management services.
- Retail Banking: Offers deposit accounts, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Provides investment advisory and trust services to high-net-worth individuals and families.
Leadership and Structure
Tom Broughton serves as Chairman, President, and CEO. The company is structured with a board of directors and a management team overseeing various business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a core offering, generating significant revenue. Market share data is not publicly disclosed in aggregate but ServisFirst focuses on relationship banking in specific markets where it aims for top-tier market position. Competitors include Regions Financial, Synovus, and Truist.
- Revenue: 417.2
- Deposit Accounts: Deposit accounts form the base of the company's funding, ServisFirst provides products such as checking accounts, savings accounts and money market accounts. Market share data is not publicly disclosed. Competitors include Regions Financial, Synovus, and Truist.
- Revenue: 147.5
- Treasury Management Services: ServisFirst offers treasury management solutions to businesses. This is a crucial service for the bank's clientele, contributing to its overall revenue and profitability. Competitors include Regions Financial, Synovus, and Truist.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and growing competition from fintech companies. Economic conditions influence loan demand and credit quality.
Positioning
ServisFirst positions itself as a high-touch, relationship-focused bank targeting businesses and professionals, offering personalized service and local decision-making. This differentiates it from larger, more impersonal banks.
Total Addressable Market (TAM)
The TAM for commercial banking services is substantial. ServisFirst is positioned to capture a share by focusing on personalized services and relationship building in specific geographic markets. The US Commercial Banking market is worth over $700 billion with steady growth.
Upturn SWOT Analysis
Strengths
- Strong relationship-based banking model
- Experienced management team
- High-quality loan portfolio
- Strong presence in growing markets
Weaknesses
- Geographic concentration in the Southeast
- Smaller size compared to national banks
- Dependence on interest rate spreads
- Limited branch network outside of core markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Acquisition of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- RF
- SNV
- TFC
Competitive Landscape
ServisFirst's advantage lies in its relationship-based banking model, while its disadvantage is its smaller size compared to larger regional and national banks.
Major Acquisitions
Metro Bancshares, Inc.
- Year: 2023
- Acquisition Price (USD millions): 146
- Strategic Rationale: Expanded ServisFirst's presence in the Huntsville, Alabama market.
Growth Trajectory and Initiatives
Historical Growth: ServisFirst has demonstrated strong historical growth in loans, deposits, and earnings driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in the coming years driven by expansion into new markets and increased market share.
Recent Initiatives: Recent initiatives include expanding into new markets in the Southeast and investing in digital banking platforms to enhance customer experience.
Summary
ServisFirst Bancshares is a well-managed bank with a solid relationship-banking model and a strong presence in the Southeast. It has a history of growth and profitability, although its geographic concentration is a risk. Future growth will depend on continued expansion and successful execution of its strategic initiatives. Potential threats include rising interest rates, economic downturns, and increased competition from larger banks. ServisFirst is well-positioned to continue its growth trajectory by focusing on its relationships, and continuing to expand its geographic locations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor presentations, Analyst reports, SEC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Investment decisions should be based on individual circumstances and after consulting with a qualified financial advisor.
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 659 | Website https://www.servisfirstbank.com |
Full time employees 659 | 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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