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Upturn AI SWOT - About
SFBS 
ServisFirst Bancshares Inc (SFBS)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $82
1 Year Target Price $82
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.17% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.23B USD | Price to earnings Ratio 17.62 | 1Y Target Price 82 |
Price to earnings Ratio 17.62 | 1Y Target Price 82 | ||
Volume (30-day avg) 3 | Beta 0.85 | 52 Weeks Range 59.49 - 100.56 | Updated Date 06/30/2025 |
52 Weeks Range 59.49 - 100.56 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 1.69% | Basic EPS (TTM) 4.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 50.4% | Operating Margin (TTM) 65.48% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 15.29% |
Valuation
Trailing PE 17.62 | Forward PE 22.57 | Enterprise Value 6532672000 | Price to Sales(TTM) 8.87 |
Enterprise Value 6532672000 | Price to Sales(TTM) 8.87 | ||
Enterprise Value to Revenue 8.63 | Enterprise Value to EBITDA - | Shares Outstanding 54612100 | Shares Floating 50446800 |
Shares Outstanding 54612100 | Shares Floating 50446800 | ||
Percent Insiders 6.7 | Percent Institutions 75.75 |
Analyst Ratings
Rating 2 | Target Price 82 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ServisFirst Bancshares Inc
Company Overview
History and Background
ServisFirst Bancshares Inc. was founded in 2005 in Birmingham, Alabama, as a full-service bank focused on commercial banking needs. It has expanded organically and through strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial real estate lending, business loans, and treasury management solutions.
- Retail Banking: Provides retail banking services, including checking and savings accounts, mortgages, and other consumer loans.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Tom Broughton serves as the Chairman, President, and CEO. The company has a traditional hierarchical structure with executive management overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary product, generating significant revenue. Competitors include Regions Financial (RF), Truist Financial (TFC), and other regional and national banks. Market share is regional and not broadly tracked nationally. Total loans as of 2023 YE ~$11 Billion.
- Treasury Management Services: Provides various treasury management services to businesses. Competitors include larger national banks like Bank of America (BAC) and JPMorgan Chase (JPM).
- Real Estate Loans: Provides loans for real estate. Competitors are many banks. Market Share is regionally focused and difficult to track.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
ServisFirst Bancshares Inc. positions itself as a relationship-focused bank providing personalized service to its clients. Its competitive advantages include strong credit quality, experienced bankers, and rapid decision-making.
Total Addressable Market (TAM)
The total addressable market includes all banking customers in its geographic footprint and industry verticals. ServisFirst Bancshares Inc. is positioned to capture a portion of this TAM through its focus on high-quality service and strategic growth.
Upturn SWOT Analysis
Strengths
- Strong credit quality
- Experienced management team
- Relationship-focused banking model
- High level of customer satisfaction
Weaknesses
- Geographic concentration in the Southeast
- Smaller scale compared to larger national banks
- Reliance on organic growth and targeted acquisitions
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking solutions
- Growing demand for specialized banking services
- Acquisitions to add scale
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- RF
- TCBI
- CADE
Competitive Landscape
ServisFirst Bancshares Inc. competes with larger regional and national banks, as well as smaller community banks. Its advantages include its personalized service and strong credit quality.
Major Acquisitions
FNB Southeast Bancshares, Inc
- Year: 2022
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded market presence in Huntsville, Alabama.
Growth Trajectory and Initiatives
Historical Growth: ServisFirst Bancshares Inc. has experienced strong growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for ServisFirst Bancshares Inc., driven by its strong credit quality and relationship-focused banking model.
Recent Initiatives: Recent initiatives include expanding into new markets and investing in digital banking technologies.
Summary
ServisFirst Bancshares shows strength in relationship banking and credit quality, contributing to solid profitability. Its geographical concentration and smaller scale pose some limitations. Future growth hinges on strategic expansion and technological integration. Managing interest rate risks and fintech competition is crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Press releases
- Company Website
Disclaimers:
This analysis is based on publicly available information and should not be considered investment advice. Market share data is estimated and may vary.
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 636 | Website https://www.servisfirstbank.com |
Full time employees 636 | 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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