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Upturn AI SWOT - About
SFBS 
ServisFirst Bancshares Inc (SFBS)
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Upturn Advisory Summary
08/14/2025: SFBS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $89
1 Year Target Price $89
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.97% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.44B USD | Price to earnings Ratio 17.81 | 1Y Target Price 89 |
Price to earnings Ratio 17.81 | 1Y Target Price 89 | ||
Volume (30-day avg) 3 | Beta 0.86 | 52 Weeks Range 66.19 - 100.13 | Updated Date 08/15/2025 |
52 Weeks Range 66.19 - 100.13 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.58% | Basic EPS (TTM) 4.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When After Market | Estimate 1.21 | Actual 1.21 |
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 17.81 | Forward PE 22.57 | Enterprise Value 5642628096 | Price to Sales(TTM) 9.1 |
Enterprise Value 5642628096 | Price to Sales(TTM) 9.1 | ||
Enterprise Value to Revenue 8.11 | Enterprise Value to EBITDA - | Shares Outstanding 54620300 | Shares Floating 50454983 |
Shares Outstanding 54620300 | Shares Floating 50454983 | ||
Percent Insiders 6.71 | Percent Institutions 78.12 |
Upturn AI SWOT
ServisFirst Bancshares Inc
Company Overview
History and Background
ServisFirst Bancshares Inc. was founded in 2005 in Birmingham, Alabama. It was established to provide relationship-based commercial banking services to businesses and individuals. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services, including commercial real estate lending, equipment financing, and working capital lines of credit.
- Private Banking: Offers personalized financial solutions to high-net-worth individuals, including deposit accounts, loans, and wealth management services.
- Mortgage Banking: Provides mortgage origination and servicing for residential properties.
- Treasury Management: Provides treasury management services for businesses, including cash management, payment processing, and fraud prevention.
Leadership and Structure
Tom Broughton serves as the Chairman, President, and CEO. The company operates with a decentralized structure, empowering local market leaders to make decisions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available at a granular product level. Competitors include Regions Financial, Truist, and PNC Financial Services Group. Revenue details are not disclosed for specific product lines.
- Commercial and Industrial Loans: Loans to businesses for working capital, equipment, and other purposes. Market share data is not publicly available at a granular product level. Competitors include Regions Financial, Truist, and PNC Financial Services Group. Revenue details are not disclosed for specific product lines.
- Treasury Management Services: Cash management, payment processing, and fraud prevention services for businesses. Market share data is not publicly available at a granular product level. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase. Revenue details are not disclosed for specific product lines.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from non-bank financial institutions. Growth is driven by economic expansion and loan demand.
Positioning
ServisFirst Bancshares Inc. positions itself as a relationship-focused commercial bank, targeting businesses and high-net-worth individuals. Its competitive advantages include its local market expertise and responsive service.
Total Addressable Market (TAM)
The TAM for commercial banking in the Southeast US is estimated to be in the billions of dollars. ServisFirst Bancshares Inc. is well-positioned to capture a portion of this market with its focus on relationship banking and local market expertise.
Upturn SWOT Analysis
Strengths
- Strong relationship-based banking model
- Experienced management team
- Solid credit quality
- Focus on high-growth markets in the Southeast
- Efficient operations
Weaknesses
- Geographic concentration in the Southeast
- Limited brand recognition outside of its core markets
- Smaller size compared to larger national banks
- Reliance on commercial lending
Opportunities
- Expansion into new markets in the Southeast
- Increased demand for commercial loans
- Growing wealth management business
- Potential acquisitions of smaller banks
- Technological advancements to improve efficiency
Threats
- Rising interest rates
- Economic downturn
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- RF
- TRST
- PNC
- FFWM
Competitive Landscape
ServisFirst Bancshares Inc. competes with larger regional and national banks, as well as smaller community banks. Its advantages include its relationship-based approach and local market expertise. Disadvantages include its smaller size and limited brand recognition outside of its core markets.
Major Acquisitions
FNB Bancorp
- Year: 2015
- Acquisition Price (USD millions): 142.3
- Strategic Rationale: Expanded ServisFirst's presence in the Florida market.
Growth Trajectory and Initiatives
Historical Growth: ServisFirst Bancshares Inc. has experienced consistent growth in assets, loans, and deposits over the past several years.
Future Projections: Future growth is expected to be driven by organic expansion, strategic acquisitions, and increasing demand for commercial banking services.
Recent Initiatives: Recent strategic initiatives include investments in technology to enhance customer experience and efficiency, as well as expansion into new markets in the Southeast.
Summary
ServisFirst Bancshares is a strong regional bank focusing on relationship banking and strategic growth in the Southeast. Its solid credit quality and experienced management team position it well. However, geographic concentration and competition from larger institutions pose challenges. The company should continue to focus on expansion and technological advancements.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary depending on the source.
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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