SFBS
ServisFirst Bancshares, Inc.
Next earnings Jul 20, 2026 · consensus $1.60 EPS, $171M rev
Last earnings +0.4% on 2026-04-20
$88.52
▲ +1.56%$88.52▲ +23.69%
over 1Y
L $67.05EODHDH $88.52
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.6%
1W+8.1%
1M+14.0%
3M+22.7%
YTD+23.9%
1Y+23.7%
Buy
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 9 analysts
Buy
High-quality Southeast commercial bank compounding EPS 21% with a 32.9% efficiency ratio and 16% ROE — fair price for elite execution.
Diluted EPS $5.06 · FY2025
The read
Quality fundamentals and an attractive price line up (~117% below fair value) — the rarer case where both the business and the entry look good.
ServisFirst is a rare specimen in regional banking: a branch-light, service-oriented commercial bank running a 32.89% efficiency ratio (down from 37.60% in 2024 and 40.34% in 2023) while ROE expanded to 16.05% and ROA to 1.56%. The MD&A makes clear that 2025's 21.7% net income jump to $276.5M was driven by a sharp inflection in net interest margin — NIM climbed to 3.12% from 2.82% as interest expense actually fell 8.9% on a 4.7% rise in interest income. That is the opposite of what most banks reported through the deposit-cost cycle, and it suggests genuine deposit-franchise strength in their Southeast (AL/FL/GA/NC/SC/TN/VA) commercial niche, run from just 33 banking offices plus one LPO.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $208M | $252M | $207M | $227M | $277M |
| Diluted EPS | $3.82 | $4.61 | $3.79 | $4.16 | $5.06 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF13.7
PEG (trailing)0.81
Earnings yield5.7%
FCF yield7.3%
Quality & risk
ROIC (est.)—
Free cash flow$353M
Total debt—
Net cash$631M
Capital returns
Buyback yield—
Dividend yield (est.)1.5%
Shareholder yield1.5%
Shares Δ YoY+0.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Other event2026-06-15
Other event disclosed with exhibits; routine corporate update, no material financial impact
- 8-K Reg FD disclosure2026-05-26
Reg FD investor materials furnished; non-material disclosure update
- 8-K Shareholder vote2026-05-19
Annual meeting vote results disclosed; directors and proposals approved
- 10-Q Quarterly report2026-05-06
Q1 2026 results filed; continues 2025's NIM expansion and EPS momentum
- 8-K Earnings results2026-04-20
Q1 2026 earnings release furnished with investor deck and supporting exhibits
- DEF 14A Proxy statement2026-04-06
Proxy filed for 2026 annual meeting; director slate and exec comp up for vote
- 8-K Other event2026-03-16
Other event disclosed with exhibits; routine corporate communication
- 10-K Annual report2026-02-27
FY25 net income +21.7% to $277M, EPS $5.06, NIM 3.12%, efficiency 32.9%
- 8-K Reg FD disclosure2026-02-24
Reg FD investor presentation furnished alongside earnings communications
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-152026-06-15open ↗11-KPeriod ending 2025-12-312026-06-03open ↗8-KPeriod ending 2026-05-262026-05-26open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗8-KPeriod ending 2026-05-192026-05-19open ↗10-QPeriod ending 2026-03-312026-05-06open ↗SCHEDULE 13GFiling2026-04-29open ↗
Frequently asked
- Is ServisFirst Bancshares, Inc. (SFBS) a buy?
- SFBS currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. High-quality Southeast commercial bank compounding EPS 21% with a 32.9% efficiency ratio and 16% ROE — fair price for elite execution.
- What is SFBS's fair value?
- A Modified-Graham model based on SFBS's SEC fundamentals estimates a fair value of about $192.28. It is an estimate from reported earnings, not a price target.
- Is SFBS overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, SFBS currently appears undervalued relative to its SEC-grounded earnings power.
- What is ServisFirst Bancshares, Inc.'s quality score?
- SFBS scores 80.23529411764706/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001430723, latest 10-Q filed 2026-05-06) · EODHD · analysis by claude-code · as of 6/25/2026, 12:47:20 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.