SFBS
Neutral signalScored 2026-08-04 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
ServisFirst Bancshares, Inc.
- Nom
- ServisFirst Bancshares, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $4.5B
- Employés
- 675
- PDG
- Thomas Ashford Broughton
- Site web
- https://www.servisfirstbank.com
- Marché
- ASBAVALAXBANFCADEFFIN
ServisFirst Bancshares, Inc. operates as the parent entity for ServisFirst Bank, providing a comprehensive range of financial solutions to both individual consumers and corporate clients. Its deposit offerings encompass checking, savings, money market, and individual retirement accounts, in addition to certificates of deposit. The company extends diverse lending options, including commercial credit facilities for working capital, business expansion, and the acquisition of property, plant, and equipment, alongside commercial lines of credit. It also finances commercial and residential real estate, as well as construction and development ventures. For individuals, consumer loans cover home equity, vehicle purchases, and both secured and unsecured personal financing. Beyond these core services, ServisFirst Bancshares offers modern conveniences such as telephone and mobile banking, direct deposit, online banking, ATMs, debit cards, and Visa credit cards. Specialized services include treasury and cash management, wire transfers, night depository, banking-by-mail, remote capture, and correspondent banking for other financial institutions. The company also manages its subsidiary's participations in residential mortgages and commercial real estate loans originated across Alabama, Florida, Georgia, and Tennessee. Founded in 2005 and based in Birmingham, Alabama, ServisFirst Bancshares maintains 23 full-service branches throughout Alabama, Florida, Georgia, South Carolina, and Tennessee, complemented by two loan production offices located in Florida.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 11 500 titres (~1 028 445,00 $ US)
- Insiders
- Cashio J. Richard
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,028,445
Avg sell (VWAP, 90d window) $89.43 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-31
- Last synced
-
2026-10-20 00:36:23
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-07-31 | Cashio J. Richard | Sell · S | 11,500 | $89.43 | $1,028,445 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-04 Drivers: fundamentals. Moteurs : fondamentaux.
SFBS presents a structurally fragile balance sheet with a critically low liquidity score of 25, driven by a current ratio of 0.28 and an interest coverage ratio below 1.0, which severely limits its ability to withstand…
The first sentence of the analysis written for SFBS on 2026-08-04 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.28 · operating margin 34% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 51.8% | 46.7% | 49.2% | 78.3% | 85.5% | |
| Ebit Margin | 33.6% | 28.6% | 29.5% | 53.2% | 57.9% | |
| Ebitda Margin | 34.1% | 29.0% | 30.0% | 53.9% | 58.9% | |
| Operating Profit Margin | 33.6% | 28.6% | 29.5% | 53.2% | 57.9% | |
| Pretax Profit Margin | 33.6% | 28.6% | 29.5% | 53.2% | 57.9% | |
| Continuous Operations Profit Margin | 27.2% | 23.3% | 25.0% | 43.3% | 47.5% | |
| Net Profit Margin | 27.2% | 23.3% | 25.0% | 43.3% | 47.5% | |
| Bottom Line Profit Margin | 27.2% | 23.3% | 25.0% | 43.3% | 47.5% | |
| Current Ratio | 0.280 | 0.185 | 0.200 | 0.114 | 0.356 | |
| Quick Ratio | 0.280 | 0.185 | 0.200 | 0.114 | 0.356 | |
| Solvency Ratio | 0.018 | 0.015 | 0.014 | 0.019 | 0.015 | |
| Cash Ratio | 0.023 | 0.153 | 0.139 | 0.062 | 0.294 | |
| Price To Earnings Ratio | 14.190 | 20.370 | 17.583 | 14.886 | 22.178 | |
| Price To Earnings Growth Ratio | 0.656 | 2.087 | -0.969 | 0.713 | 1.027 | |
| Forward Price To Earnings Growth Ratio | 0.656 | 2.087 | -0.969 | 0.713 | 1.027 | |
| Price To Earnings Diluted Ratio | 14.190 | 20.370 | 17.583 | 14.950 | 22.236 | |
| Price To Earnings Diluted Growth Ratio | 0.656 | 2.087 | -0.989 | 0.723 | 1.009 | |
| Price To Book Ratio | 2.122 | 2.859 | 2.524 | 2.885 | 3.995 | |
| Price To Sales Ratio | 3.858 | 4.729 | 4.385 | 6.447 | 10.517 | |
| Price To Free Cash Flow Ratio | 11.238 | 18.612 | 18.793 | 13.913 | 17.909 | |
| Price To Operating Cash Flow Ratio | 11.050 | 18.270 | 18.420 | 13.727 | 17.273 | |
| Debt To Assets Ratio | 0.085 | 0.119 | 0.082 | 0.115 | 0.115 | |
| Debt To Equity Ratio | 0.814 | 1.274 | 0.918 | 1.298 | 1.543 | |
| Debt To Capital Ratio | 0.449 | 0.560 | 0.479 | 0.565 | 0.607 | |
| Long Term Debt To Capital Ratio | 0.018 | 0.039 | 0.043 | 0.048 | 0.053 | |
| Financial Leverage Ratio | 9.583 | 10.736 | 11.202 | 11.250 | 13.416 | |
| Working Capital Turnover Ratio | -0.130 | -0.080 | -0.071 | -0.056 | -0.052 | |
| Operating Cash Flow Ratio | 0.085 | 0.016 | 0.014 | 0.021 | 0.019 | |
| Operating Cash Flow Sales Ratio | 0.349 | 0.259 | 0.238 | 0.470 | 0.609 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.983 | 0.982 | 0.980 | 0.987 | 0.965 | |
| Debt Service Coverage Ratio | 0.146 | 0.093 | 0.127 | 0.150 | 0.122 | |
| Interest Coverage Ratio | 0.752 | 0.559 | 0.608 | 3.493 | 7.966 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.241 | 0.127 | 0.157 | 0.168 | 0.156 | |
| Operating Cash Flow Coverage Ratio | 0.236 | 0.123 | 0.149 | 0.162 | 0.150 | |
| Capital Expenditure Coverage Ratio | 59.809 | 54.437 | 50.459 | 74.692 | 28.186 | |
| Dividend Paid And Capex Coverage Ratio | 4.487 | 3.607 | 3.971 | 6.620 | 6.337 | |
| Dividend Payout Ratio | 0.265 | 0.288 | 0.221 | 0.149 | 0.157 | |
| Enterprise Value Multiple | 15.385 | 15.166 | 11.746 | 14.735 | 8.587 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 51.8% | ▲5.1% | ▼-10.5% |
| Ebit Margin | 33.6% | ▲5.1% | ▼-6.9% |
| Ebitda Margin | 34.1% | ▲5.1% | ▼-7.1% |
| Operating Profit Margin | 33.6% | ▲5.1% | ▼-6.9% |
| Pretax Profit Margin | 33.6% | ▲5.1% | ▼-6.9% |
| Continuous Operations Profit Margin | 27.2% | ▲3.9% | ▼-6.1% |
| Net Profit Margin | 27.2% | ▲3.9% | ▼-6.1% |
| Bottom Line Profit Margin | 27.2% | ▲3.9% | ▼-6.1% |
| Current Ratio | 0.280 | ▲0.095 | ▲0.053 |
| Quick Ratio | 0.280 | ▲0.095 | ▲0.053 |
| Solvency Ratio | 0.018 | ▲0.003 | ▲0.002 |
| Cash Ratio | 0.023 | ▼-0.130 | ▼-0.111 |
| Price To Earnings Ratio | 14.190 | ▼-6.181 | ▼-3.651 |
| Price To Earnings Growth Ratio | 0.656 | ▼-1.431 | ▼-0.047 |
| Forward Price To Earnings Growth Ratio | 0.656 | ▼-1.431 | ▼-0.047 |
| Price To Earnings Diluted Ratio | 14.190 | ▼-6.181 | ▼-3.676 |
| Price To Earnings Diluted Growth Ratio | 0.656 | ▼-1.431 | ▼-0.041 |
| Price To Book Ratio | 2.122 | ▼-0.737 | ▼-0.755 |
| Price To Sales Ratio | 3.858 | ▼-0.871 | ▼-2.130 |
| Price To Free Cash Flow Ratio | 11.238 | ▼-7.374 | ▼-4.855 |
| Price To Operating Cash Flow Ratio | 11.050 | ▼-7.220 | ▼-4.698 |
| Debt To Assets Ratio | 0.085 | ▼-0.034 | ▼-0.018 |
| Debt To Equity Ratio | 0.814 | ▼-0.459 | ▼-0.355 |
| Debt To Capital Ratio | 0.449 | ▼-0.111 | ▼-0.083 |
| Long Term Debt To Capital Ratio | 0.018 | ▼-0.020 | ▼-0.022 |
| Financial Leverage Ratio | 9.583 | ▼-1.153 | ▼-1.654 |
| Working Capital Turnover Ratio | -0.130 | ▼-0.050 | ▼-0.052 |
| Operating Cash Flow Ratio | 0.086 | ▲0.069 | ▲0.054 |
| Operating Cash Flow Sales Ratio | 0.349 | ▲0.090 | ▼-0.036 |
| Free Cash Flow Operating Cash Flow Ratio | 0.983 | ▲0.002 | ▲0.004 |
| Debt Service Coverage Ratio | 0.146 | ▲0.053 | ▲0.018 |
| Interest Coverage Ratio | 0.752 | ▲0.193 | ▼-1.924 |
| Short Term Operating Cash Flow Coverage Ratio | 0.241 | ▲0.115 | ▲0.071 |
| Operating Cash Flow Coverage Ratio | 0.236 | ▲0.113 | ▲0.072 |
| Capital Expenditure Coverage Ratio | 59.809 | ▲5.372 | ▲6.292 |
| Dividend Paid And Capex Coverage Ratio | 4.487 | ▲0.880 | ▼-0.517 |
| Dividend Payout Ratio | 0.265 | ▼-0.023 | ▲0.049 |
| Enterprise Value Multiple | 15.385 | ▲0.219 | ▲2.261 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $3.93B | $4.62B | $3.63B | $3.74B | $4.60B | |
| Enterprise value | $5.34B | $4.30B | $2.93B | $4.61B | $2.21B | |
| EV / Sales | 5.25x | 4.40x | 3.53x | 7.94x | 5.06x | |
| EV / Op. cash flow | 15.02x | 17.02x | 14.83x | 16.91x | 8.31x | |
| EV / Free cash flow | 15.28x | 17.33x | 15.13x | 17.14x | 8.62x | |
| EV / EBITDA | 15.38x | 15.17x | 11.75x | 14.73x | 8.59x | |
| Net debt / EBITDA | 4.07x | -1.12x | -2.85x | 2.78x | -9.26x | |
| Current ratio | 0.28x | 0.18x | 0.20x | 0.11x | 0.36x | |
| Income quality | 1.28x | 1.11x | 0.95x | 1.08x | 1.28x | |
| Graham number | $31 | $26 | $24 | $25 | $21 | |
| Graham net-net | -$134 | -$118 | -$108 | -$109 | -$86 | |
| Tax burden | 80.8% | 81.5% | 84.6% | 81.4% | 82.0% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$2.99B | -$12.68B | -$11.64B | -$11.68B | -$9.14B | |
| Invested capital | -$2.92B | -$12.61B | -$11.57B | -$11.60B | -$9.06B | |
| Return on assets | 1.6% | 1.3% | 1.3% | 1.7% | 1.3% | |
| Operating ROA | 2.0% | 1.7% | 1.6% | 2.1% | 1.9% | |
| Return on tangible assets | 1.6% | 1.3% | 1.3% | 1.7% | 1.3% | |
| Return on equity | 15.0% | 14.1% | 14.4% | 19.4% | 18.0% | |
| Return on invested capital | -19.1% | 6.0% | 7.3% | 8.3% | 7.0% | |
| Return on capital employed | 2.5% | 15.6% | 15.6% | 21.9% | 19.9% | |
| Earnings yield | 7.0% | 4.9% | 5.7% | 6.7% | 4.5% | |
| Free cash flow yield | 8.9% | 5.4% | 5.3% | 7.2% | 5.6% | |
| Capex / Op. cash flow | 1.7% | 1.8% | 2.0% | 1.3% | 3.5% | |
| Capex / Depreciation | 125.6% | 97.1% | 88.1% | 88.5% | 215.3% | |
| Capex / Sales | 0.6% | 0.5% | 0.5% | 0.6% | 2.2% | |
| SG&A / Sales | 10.8% | 11.1% | 11.8% | 14.4% | 17.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.3% | 0.4% | 0.4% | 0.6% | 0.4% | |
| Intangibles / Total assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | |
| Days sales outstanding | 22d | 23d | 26d | 30d | 29d | |
| Days payables outstanding | 22d | 20d | 24d | 54d | 79d | |
| Operating cycle | 22d | 23d | 26d | 30d | 29d | |
| Cash conversion cycle | -0d | 4d | 2d | -23d | -49d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-19 ServisFirst Bancshares (SFBS) Q3 Earnings and Revenues Miss Estimates ServisFirst Bancshares (SFBS) came out with quarterly earnings of $0.8 per share, missing the Zacks Consensus Estimate of $0.83 per share. This compares to earnings of $0.65 per share a year ago.
- 2026-10-19 ServisFirst Bancshares, Inc. Announces Results for Third Quarter of 2026 BIRMINGHAM, Ala., Oct. 19, 2026 (GLOBE NEWSWIRE) -- ServisFirst Bancshares, Inc. (NYSE: SFBS) today announced earnings and operating results for the quarter ended September 30, 2026.
- 2026-10-14 ServisFirst Bancshares, Inc. Announces Inaugural Stock Repurchase Program BIRMINGHAM, Ala., Oct. 14, 2026 (GLOBE NEWSWIRE) -- ServisFirst Bancshares, Inc., (NYSE: SFBS) (“ServisFirst”), the holding company for ServisFirst Bank, today announced that its Board of Directors has approved a stock repurchase program, under which ServisFirst may repurchase up to two million shares of its outstanding common stock through December 31, 2027. Repurchases may be made from time to time in the open market at prevailing prices and based on market conditions, or in privately negotiated transactions.
- 2026-10-14 Countdown to ServisFirst (SFBS) Q3 Earnings: Wall Street Forecasts for Key Metrics Beyond analysts'' top-and-bottom-line estimates for ServisFirst (SFBS), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended September 2026.
- 2026-10-12 ServisFirst Bancshares (SFBS) Earnings Expected to Grow: What to Know Ahead of Next Week''s Release ServisFirst (SFBS) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-05 Comparing ServisFirst Bancshares (NYSE:SFBS) and Bank Hapoalim (OTCMKTS:BKHYY) Bank Hapoalim (OTCMKTS:BKHYY - Get Free Report) and ServisFirst Bancshares (NYSE: SFBS - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, dividends, institutional ownership, valuation, analyst recommendations, profitability and earnings. Dividends Bank Hapoalim pays an annual dividend of
- 2026-10-02 Dividend Champion, Contender, And Challenger Highlights: Week October 4 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-09-29 ServisFirst Bancshares, Inc. to Announce Third Quarter 2026 Financial Results October 19th BIRMINGHAM, Ala., Sept. 29, 2026 (GLOBE NEWSWIRE) -- ServisFirst Bancshares, Inc. (NYSE: SFBS) is scheduled to announce earnings and operating results for the quarter ended September 30, 2026 on October 19, 2026 at 4 p.m. ET. The news release will be available at www.servisfirstbancshares.com .
- 2026-09-21 ServisFirst Bancshares, Inc. Declares Third Quarter Cash Dividend BIRMINGHAM, Ala., Sept. 21, 2026 (GLOBE NEWSWIRE) -- ServisFirst Bancshares, Inc., (NYSE: SFBS) (“ServisFirst”), the holding company for ServisFirst Bank, today announces: At a meeting held on September 21, 2026, its Board of Directors declared a quarterly cash dividend of $0.19 per share, payable on October 9, 2026, to stockholders of record as of October 1, 2026.
- 2026-09-17 Can ServisFirst Keep Delivering? A stock split, a set of high-profile index additions, and some of the strongest quarterly numbers the bank has posted in years arrived even as the broader regional-bank group wobbled under the weight of rising Treasury yields.