ServisFirst Bancshares, Inc. (SFBS) AI Stock Analysis

ServisFirst Bancshares, Inc. serves as the holding company for ServisFirst Bank, providing personal and commercial banking services. Established in 2005 and headquartered in Birmingham, Alabama, the bank operates 23 full-service banking offices across Alabama, Florida, Georgia, South Carolina, and Tennessee, along with two loan production offices in Florida. Its offerings include demand, time, savings, and IRA deposits, as well as certificates of deposit. Lending operations span commercial loans for working capital, business expansion, and real estate, in addition to lines of credit and consumer loans. It also provides treasury management, correspondent banking, and residential mortgage participations.

ServisFirst Bancshares grew its annual revenue from $437.4M in FY2021 to $1.02B in FY2025, recording a 5-year revenue CAGR of 19.7%. Operating margin was 57.9% in FY2021, fell to 0.4% in FY2023, and recovered to 33.6% in FY2025. Annual net income climbed from $207.7M in FY2021 to $276.6M in FY2025, with diluted EPS expanding from $3.86 to $5.25. For the trailing twelve months, revenue totaled $585.2M with a net profit margin of 54.8%. In the latest quarter ended June 30, 2026, quarterly revenue grew 30.1% year-over-year while quarterly earnings expanded 40.1%.

As of June 30, 2026, ServisFirst Bancshares held $3.10B in cash and short-term investments against total debt of $1.61B, resulting in net cash of $1.48B. Total assets stood at $18.34B and shareholders' equity was $1.98B, yielding a debt-to-equity ratio of 0.82 and a current ratio of 1.97. In FY2025, operating cash flow reached $355.2M and free cash flow was $349.3M. Cash deployment included $5.9M in capital expenditures and $73.2M paid out in dividends.

At a share price of $39.36, ServisFirst Bancshares carries a market capitalization of $4.30B and an enterprise value of $5.57B. The stock trades at a trailing P/E of 13.4x, slightly above the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 22.6x is higher than the peer median of 10.8x, and its price-to-sales ratio is 7.4x versus the peer median of 3.2x. Over the past year, the stock returned 7.3%, lagging the 16.8% return of the S&P 500.

ServisFirst Bancshares pays an annualized forward dividend of $0.76 per share, representing a 1.93% dividend yield. The payout ratio stands at 12.7%, and dividends have been paid for 13 consecutive years. Over the past five years, the dividend has grown at an annualized rate of 13.1%. The company distributed $73.2M in dividends in FY2025.

Wall Street coverage includes 3 analysts, consisting of 1 Strong Buy, 2 Buys, and no Hold or Sell ratings. The mean price target is $46.33, implying 17.7% upside over the last closing price of $39.36. Consensus forecasts project FY2026 revenue of $677.3M and EPS of $3.21, reflecting expected EPS growth of 22.3%. Over the trailing four quarters, the bank exceeded EPS estimates 2 times. The next earnings date is October 19, 2026.

This page is an AI-written research summary of ServisFirst Bancshares, Inc. (SFBS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: SFBS income statement, SFBS balance sheet, SFBS key metrics, SFBS analyst forecast, SFBS chart. See the SFBS stock overview for the latest quote and news.