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SFBS 
ServisFirst Bancshares Inc (SFBS)
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Upturn Advisory Summary
01/09/2026: 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 $88
1 Year Target Price $88
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.64% | 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 01/09/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.14B USD | Price to earnings Ratio 16.22 | 1Y Target Price 88 |
Price to earnings Ratio 16.22 | 1Y Target Price 88 | ||
Volume (30-day avg) 3 | Beta 0.94 | 52 Weeks Range 65.57 - 92.24 | Updated Date 01/9/2026 |
52 Weeks Range 65.57 - 92.24 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 1.76% | 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 16.22 | Forward PE 22.57 | Enterprise Value 5121241600 | Price to Sales(TTM) 8.31 |
Enterprise Value 5121241600 | Price to Sales(TTM) 8.31 | ||
Enterprise Value to Revenue 7.21 | Enterprise Value to EBITDA - | Shares Outstanding 54621834 | Shares Floating 50484776 |
Shares Outstanding 54621834 | Shares Floating 50484776 | ||
Percent Insiders 6.64 | Percent Institutions 76.12 |
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 a bank holding company for ServisFirst Bank. It has experienced steady growth, expanding its branch network and customer base across the southeastern United States. Significant milestones include its initial public offering (IPO) and subsequent expansion into new markets.
Core Business Areas
- Commercial Banking: ServisFirst Bank provides a wide range of banking services to businesses, including commercial loans, lines of credit, treasury management services, and deposit accounts. This segment is a primary driver of revenue through interest income on loans and fees for services.
- Retail Banking: The company offers personal banking services such as checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and consumer loans (including mortgages and automobile loans).
- Wealth Management and Investment Services: ServisFirst Bank also offers wealth management services, including investment advisory, trust services, and insurance products, to its individual and corporate clients.
Leadership and Structure
ServisFirst Bancshares Inc. is led by a Board of Directors and an executive management team. The primary operational entity is ServisFirst Bank, which is organized into regional markets, each with its own leadership responsible for local business development and customer relations. Key figures include the CEO and President of the parent company and the President of ServisFirst Bank.
Top Products and Market Share
Key Offerings
- Commercial Loans: ServisFirst Bank offers a variety of commercial loan products to small and medium-sized businesses, including term loans, SBA loans, and commercial real estate loans. Competitors include large national banks, regional banks, and community banks. Market share data for specific loan products is not publicly disclosed in a granular way, but the bank aims to be a dominant player in its operating regions.
- Deposit Accounts: The bank provides a comprehensive suite of deposit products for both businesses and individuals, such as checking, savings, money market, and time deposit accounts. These are fundamental to funding the bank's lending activities. Competitors are all financial institutions offering deposit services. Market share is regional and specific to deposit volume.
- Treasury Management Services: ServisFirst Bank offers advanced treasury management solutions to businesses, including cash concentration, automated clearing house (ACH) services, wire transfers, and fraud protection. This is a critical service for businesses and a key differentiator. Competitors include larger financial institutions with robust treasury management platforms.
Market Dynamics
Industry Overview
The banking industry in the US is highly competitive and subject to significant regulatory oversight. It is characterized by interest rate sensitivity, evolving customer preferences towards digital banking, and consolidation. The industry is influenced by macroeconomic conditions, monetary policy, and technological advancements.
Positioning
ServisFirst Bancshares Inc. positions itself as a strong, relationship-driven community bank with a focus on commercial banking. Its competitive advantages include experienced local leadership, personalized customer service, and a strong emphasis on credit quality. The bank aims to be a leading provider of financial services in the growing markets of the southeastern US.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is vast, encompassing all businesses and individuals requiring financial products. For ServisFirst Bancshares Inc., the TAM is primarily defined by the geographic regions it serves (primarily the southeastern US). The bank is positioned to capture a significant share of the commercial and retail banking needs within these specific, high-growth markets by offering specialized services and a strong local presence.
Upturn SWOT Analysis
Strengths
- Strong focus on commercial banking and relationship management
- Experienced management team with deep local market knowledge
- Solid credit underwriting and risk management practices
- Branch network strategically located in growing southeastern markets
- Reputation for excellent customer service
Weaknesses
- Smaller scale compared to national banking giants
- Potential reliance on regional economic performance
- Limited diversification of geographic presence outside the Southeast
- Brand recognition may be lower in certain markets compared to larger competitors
Opportunities
- Continued economic growth in its operating regions
- Expansion into new, contiguous high-growth markets
- Leveraging technology to enhance digital banking offerings
- Acquisition of smaller, complementary financial institutions
- Increasing demand for specialized commercial lending and treasury services
Threats
- Rising interest rates impacting loan demand and net interest margins
- Increased competition from other banks, credit unions, and fintech companies
- Economic downturns or recessions affecting loan portfolios
- Cybersecurity threats and data breaches
- Changes in banking regulations and compliance costs
Competitors and Market Share
Key Competitors
- Regions Financial Corp. (RF)
- BB&T Corporation (now Truist Financial Corporation - TFC)
- Synovus Financial Corp. (SNV)
- PNC Financial Services Group, Inc. (PNC)
Competitive Landscape
ServisFirst Bancshares Inc. competes in a landscape with larger national banks, regional players, and numerous community banks. Its advantage lies in its focused approach, agility, and strong customer relationships within its specific markets. However, it faces challenges from the extensive resources and broader reach of larger competitors.
Growth Trajectory and Initiatives
Historical Growth: The company has exhibited consistent historical growth in its balance sheet, loan portfolio, and deposit base, primarily driven by organic growth and strategic expansion into new markets in the southeastern US.
Future Projections: Analyst estimates generally project continued revenue and earnings growth for ServisFirst Bancshares Inc., supported by its focus on core banking activities, favorable economic conditions in its operating regions, and potential for further market share gains. Specific future EPS and revenue projections are subject to change and should be obtained from reputable financial analysis firms.
Recent Initiatives: Recent initiatives likely focus on enhancing digital banking capabilities, expanding its commercial lending team, and potentially exploring strategic acquisitions to bolster its presence or offerings in key markets. The bank continuously reviews its product suite to meet evolving customer needs.
Summary
ServisFirst Bancshares Inc. is a well-positioned regional bank with a strong focus on commercial lending and customer relationships. Its consistent revenue growth and healthy profit margins are positive indicators. However, it operates in a highly competitive industry and faces threats from economic downturns and evolving digital banking landscapes. Continued focus on its core strengths and strategic expansion will be key to its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Reports
- SEC Filings (10-K, 10-Q)
- Reputable Financial News Outlets
- Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Users should conduct their own due diligence and consult with a qualified financial advisor 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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