ServisFirst Bancshares, Inc. (SFBS)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
ServisFirst Bancshares, Inc. (SFBS) trades at $87.74 with AI Score 79/100 (Grade A). ServisFirst Bancshares, Inc. is a bank holding company providing banking services to individual and corporate customers. Market cap: $4.80B, Sector: Financial services.
Price live · AI analysis from May 10, 2026SFBS stock analysis for 2026: Analysts have set a consensus price target of $89.00 for ServisFirst Bancshares, Inc., suggesting 1.4% upside from the current price of $87.74. The AI MoonshotScore is 79/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
SFBS: 1/1 perspectives are bullish.
How is this calculated? →ServisFirst Bancshares, Inc. (SFBS) Financial Services Profile
ServisFirst Bancshares, Inc., a regional bank holding company, delivers commercial and retail banking services across the Southeastern United States. With a focus on commercial lending and a high-touch service model, ServisFirst competes with larger national banks and other regional players by emphasizing local market knowledge and personalized customer relationships.
What Is the Investment Thesis for SFBS?
ServisFirst Bancshares presents a compelling investment case centered on its strategic focus on commercial lending within the high-growth Southeastern US market. With a profit margin of 29.0% and a dividend yield of 1.80%, SFBS demonstrates financial stability. The company's expansion strategy, marked by the opening of new banking and loan production offices, should drive loan growth and increase market share. A beta of 0.89 indicates lower volatility compared to the broader market. However, investors should monitor interest rate sensitivity and credit quality within the loan portfolio. Ongoing expansion into new markets represents both an opportunity and a risk, requiring careful execution to maintain asset quality and profitability.
Based on FMP financials and quantitative analysis
SFBS Key Highlights
- Market capitalization of $4.80B reflects investor confidence in ServisFirst's growth strategy and market position.
- P/E ratio of 11.3 indicates a reasonable valuation compared to its earnings.
- Profit margin of 29.0% showcases efficient operations and strong profitability.
- Gross margin of 53.9% highlights the bank's ability to generate revenue from its services.
- Dividend yield of 1.80% provides a steady income stream for investors.
Who Are SFBS's Competitors?
SFBS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WBS Webster Financial Corporation | $77.53 | +1.05% | $12.56B | 87 |
| CADE Cadence Bank | $42.11 | -1.66% | $7.85B | 49 |
| AX Axos Financial, Inc. | $99.58 | +1.72% | $5.66B | 61 |
| AVAL Grupo Aval Acciones y Valores S.A. | $5.10 | +0.79% | $6.05B | 44 |
| ASB Associated Banc-Corp | $30.77 | +0.41% | $5.81B | 97 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SFBS's Key Strengths?
- Strong presence in high-growth Southeastern markets.
- Focus on commercial lending.
- Experienced management team.
- High profit margin compared to peers.
What Are SFBS's Weaknesses?
- Geographic concentration in the Southeast.
- Reliance on commercial lending, making it vulnerable to economic cycles.
- Smaller scale compared to national banks.
- Potential interest rate risk.
What Could Drive SFBS Stock Higher?
- Expansion into new markets within the Southeast, expected to drive loan growth.
- Continued investment in digital banking platforms to enhance customer experience.
- Strategic acquisitions of smaller banks to expand market share.
- Focus on specialized lending areas to attract high-value clients.
What Are the Key Risks for SFBS?
- Financial-distress signal — its Altman Z-Score of -0.49 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns affecting loan demand and credit quality.
- Rising interest rates increasing borrowing costs.
- Increased competition from national and regional banks.
- Regulatory changes impacting the banking industry.
- Geographic concentration in the Southeast.
What Are the Growth Opportunities for SFBS?
- Expansion within Existing Markets: ServisFirst can deepen its market penetration within its existing footprint in Alabama, Florida, Georgia, South Carolina, and Tennessee. By opening additional branches and loan production offices, SFBS can capture a larger share of the commercial lending market. This strategy leverages existing brand recognition and operational infrastructure, potentially increasing loan volume by 10-15% over the next three years.
- Strategic Acquisitions: ServisFirst could pursue strategic acquisitions of smaller community banks or credit unions within the Southeast. These acquisitions would provide access to new markets, customer bases, and talent pools. Successful integration of acquired entities could boost assets under management by 20% within five years.
- Enhancement of Digital Banking Platform: Investing in and expanding its digital banking platform can attract and retain customers, particularly younger demographics. Improved mobile banking capabilities, online loan applications, and personalized financial advice can enhance customer experience and drive deposit growth. A fully integrated digital platform could increase customer acquisition by 8-12% annually.
- Focus on Specialized Lending: ServisFirst can specialize in niche lending areas such as healthcare, technology, or renewable energy. By developing expertise in these sectors, the bank can attract high-value clients and generate higher margins. Specialized lending could contribute an additional 5-7% to overall loan growth.
- Expansion of Treasury and Cash Management Services: ServisFirst can further develop its treasury and cash management services for corporate clients. By offering advanced solutions for payment processing, liquidity management, and risk mitigation, the bank can strengthen its relationships with existing clients and attract new business. Enhanced treasury services could increase fee income by 10-15% annually.
What Opportunities Does SFBS Have?
- Expansion into new markets within the Southeast.
- Strategic acquisitions of smaller banks.
- Increased adoption of digital banking services.
- Growth in specialized lending areas.
What Threats Does SFBS Face?
- Increased competition from national and regional banks.
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes impacting the banking industry.
- Rising interest rates increasing borrowing costs.
What Are SFBS's Competitive Advantages?
- Strong relationships with commercial clients in the Southeast.
- Local market knowledge and expertise.
- High-touch customer service model.
- Experienced management team.
What Does SFBS Do?
Founded in 2005 and headquartered in Birmingham, Alabama, ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank. The bank provides a comprehensive suite of banking services tailored to both individual and corporate clients. These services encompass a range of deposit accounts, including demand, time, savings, checking, money market, and IRA accounts, alongside certificates of deposit. ServisFirst distinguishes itself through its commercial lending products, which include seasonal, bridge, and term loans designed to support working capital needs, business expansion, property acquisition, and investments in plant and equipment. The bank also provides commercial lines of credit, commercial real estate loans, construction and development loans, and residential real estate loans. Consumer loan offerings include home equity loans, vehicle financing, loans secured by deposits, and personal loans. ServisFirst augments its traditional banking services with modern conveniences such as telephone and mobile banking, direct deposit, Internet banking, and debit card systems. Additional services include treasury and cash management, wire transfers, safe deposit boxes, and correspondent banking services. The bank operates 23 full-service banking offices across Alabama, Florida, Georgia, South Carolina, and Tennessee, along with 2 loan production offices in Florida. ServisFirst also manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank within its operational footprint.
What Products and Services Does SFBS Offer?
- Provides commercial lending products, including term loans and lines of credit.
- Offers commercial real estate and construction loans.
- Provides residential real estate loans and consumer loans.
- Accepts various types of deposits, including checking, savings, and money market accounts.
- Offers online and mobile banking services.
- Provides treasury and cash management services for businesses.
- Manages participations in residential mortgages and commercial real estate loans.
How Does SFBS Make Money?
- Generates revenue primarily from interest income on loans.
- Collects fees from various banking services, such as treasury management and wire transfers.
- Manages and invests deposits to generate additional income.
- Expands its market presence through new branch openings and strategic acquisitions.
What Industry Does SFBS Operate In?
ServisFirst Bancshares operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. ServisFirst competes with national banks, other regional banks, and credit unions. Key trends include the increasing adoption of digital banking services and the consolidation of smaller banks. ServisFirst's focus on commercial lending and its presence in high-growth Southeastern markets position it favorably within this competitive landscape.
Who Are SFBS's Key Customers?
- Small and medium-sized businesses seeking commercial loans and banking services.
- Individual customers seeking personal banking services, including deposit accounts and loans.
- Commercial real estate developers and investors.
- Other financial institutions through correspondent banking services.
Company Profile
ServisFirst Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Birmingham, US. The company is led by CEO Thomas Ashford Broughton. SFBS has traded publicly since 2014.
F-Score 6/9Financial Health
ServisFirst Bancshares, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.49 places it in the distress zone, a signal of elevated financial risk.
ROE 16%Key Financial Metrics
Return on equity for ServisFirst Bancshares, Inc. stands at 16.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. SFBS trades at a trailing price-to-earnings ratio of 11.30, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.1%, the inverse of the P/E and a quick read on earnings relative to price.
SFBS Valuation & Market Position
With a $4.80B market cap, ServisFirst Bancshares, Inc. sits in the mid-cap segment of the market. Relative to its peer group, SFBS's quantitative score of 79/100 is above the peer average of 68/100.
FY2026 estForward Outlook
Wall Street analysts project ServisFirst Bancshares, Inc. revenue of about $680.9M for fiscal 2026, with EPS near $6.40.
SFBS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
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Bear Case
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AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SFBS Latest News
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SFBS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SFBS.
Price Targets
Consensus target: $89.00
SFBS MoonshotScore
What does this score mean?
The MoonshotScore rates SFBS's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Thomas Ashford Broughton
CEO
Thomas Ashford Broughton serves as the CEO of ServisFirst Bancshares, Inc., leading a team of 636 employees. Broughton has been with ServisFirst since its inception, playing a pivotal role in its growth and strategic direction. His background includes extensive experience in the banking sector, with a focus on commercial lending and relationship management. Broughton's leadership is characterized by a commitment to customer service and a focus on building long-term relationships with clients. He holds a degree in Finance from a leading university and has completed executive education programs at prestigious business schools.
Track Record: Under Broughton's leadership, ServisFirst has experienced significant growth in assets, loans, and deposits. He has overseen the expansion of the bank's footprint across the Southeast, establishing a strong presence in key markets. Broughton has also guided the bank through various economic cycles, maintaining a focus on asset quality and risk management. Key milestones include the successful integration of acquired banks and the implementation of innovative digital banking solutions.
SFBS Financial Services Stock FAQ
What does ServisFirst Bancshares, Inc. do?
ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank, providing a range of banking services to individual and corporate customers. The bank specializes in commercial lending, offering term loans, lines of credit, and real estate financing. It also provides deposit accounts, online banking, and treasury management services. ServisFirst distinguishes itself through its high-touch customer service model and focus on building long-term relationships with clients in the Southeastern United States. Its strategy centers on organic growth and strategic acquisitions to expand its market presence.
What do analysts say about SFBS stock?
Analyst consensus on ServisFirst Bancshares, Inc. (SFBS) reflects expectations of continued growth driven by its expansion strategy and focus on commercial lending. Key valuation metrics, such as the P/E ratio of 11.3, suggest a reasonable valuation compared to its earnings. Growth considerations include the bank's ability to maintain asset quality, manage interest rate risk, and successfully integrate acquired entities. Analyst ratings and price targets vary, reflecting different perspectives on the company's growth potential and risk profile. Investors should conduct their own due diligence and consider their individual investment objectives.
What are the main risks for SFBS?
ServisFirst Bancshares, Inc. faces several risks, including economic downturns that could affect loan demand and credit quality. Rising interest rates could increase borrowing costs and compress net interest margins. Increased competition from larger national banks and other regional players could pressure market share. Regulatory changes impacting the banking industry could increase compliance costs. The company's geographic concentration in the Southeast exposes it to regional economic fluctuations. Effective risk management and diversification strategies are crucial for mitigating these potential challenges.
What are the key factors to evaluate for SFBS?
ServisFirst Bancshares, Inc. (SFBS) holds an AI score of 79/100 (high). P/E: 11.3x vs the S&P 500's ~20-25x. Analysts target $89.00 (+1%). Not financial advice.
How frequently does SFBS data refresh on this page?
SFBS prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SFBS's recent stock price performance?
ServisFirst Bancshares, Inc. (SFBS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in high-growth Southeastern markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SFBS overvalued or undervalued right now?
ServisFirst Bancshares, Inc. (SFBS) trades at 11.3x earnings. Analysts target $89.00 (+1%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SFBS?
Before investing in ServisFirst Bancshares, Inc. (SFBS), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the latest available reporting period.