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ServisFirst Bancshares, Inc.

SFBS Financial Banks Regional

ServisFirst Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 3.72% from fiscal 2024.

Revenue
+6.42%
EPS
+33.3%
Free cash flow
+141.1%
Total debt
−46.3%

Quarter to September 2026, against a year earlier

41.35 0.53 −1.27%
Market cap
$4.5B
P/E
13.2×
Fwd P/E
12.7×
Dividend yield
1.84%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 4.16
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — 1 — — — 1 — — — —
Insider Ownership 6.36%

Capital & Financial Ratios $m

Size
Market Cap 4,520.00
Revenue ttm 1,052.64
Net income ttm 320.72
Free cash flow ttm 465.38
Net debt Q (1,150.26)
Valuation
P/E 13.19
Forward P/E 12.70
Price / sales 4.29
Forward P/S Powerpack
Price / FCF 9.70
Price / book 2.22
Financial health
Current ratio Q 0.98
Debt / equity Q 0.02
Interest coverage Q —
Growth
Revenue growth Q +6.42% (above 0%: growing)
Operating income growth Q +33.78% (above 0%: growing)
EPS, this year +21.14% (at or above 15%: strong)
EPS, next year A +10.06%
Revenue, next year A −33.55% (below 0%: weak)
EPS, past 5 yrs +10.08%
EPS, next 5 yrs A +13.52%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 20.35%
10-year low 10-year high
P/S against its own 10 years 21.75%
10-year low 10-year high
P/B against its own 10 years 18.59%
10-year low 10-year high

Dividends raised 2 years running

Yield
1.84%
Annual rate
0.76
Payout ratio
24.2%
Growth, 2018–26
+15.5%/yr
  1. 0.24 ’18
  2. 0.31 ’19 +30
  3. 0.36 ’20 +16
  4. 0.42 ’21 +14
  5. 0.49 ’22 +17
  6. 0.57 ’23 +18
  7. 0.45 ’24 −21
  8. 0.67 ’25 +49
  9. 0.76 ’26 +13
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,131 2,377 1,627 1,185
Receivables — — — —
Inventory — — — —
Other — — — —
13,701 14,890 15,226 15,749
2023 2024 2025 Q'26
Payables 13,274 13,543 14,219 14,087
ST’ Debt — — — —
Other — — — —
14,558 15,565 15,721 16,052

Compound Annual Growth %

10y 5y 3y
Sales 18.05% 19.41% 19.75%
Cash Flow 16.63% 13.18% 9.22%
Earnings 15.89% 10.28% 3.22%
Book Value 15.21% 13.26% 12.55%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.83 Actual 0.80

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.69 0.79 Beat by 0.10
Q1 FY26 0.76 0.77 Beat by 0.01
Q2 FY26 0.79 0.79 Met by 0.00
Q3 FY26 0.83 0.80 Miss by 0.03
Q4 FY26 0.83 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.76 0.79 0.80 — —
’25 0.58 0.56 0.60 0.79 2.53
’24 0.46 0.48 0.55 0.60 2.08
’23 0.53 0.49 0.49 0.39 1.90
’22 0.53 0.57 0.59 0.62 2.31
’21 0.48 0.46 0.48 0.50 1.91
’20 0.32 0.38 0.40 0.47 1.57
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 252 263 270 — —
’25 249 247 254 267 1,018
’24 236 236 257 253 981
’23 188 198 221 236 844
’22 121 136 158 177 593
’21 109 112 112 116 450
’20 103 102 104 109 419
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 70 163 — — —
’25 48 68 141 99 355
’24 53 48 84 67 253
’23 55 38 13 91 197
’22 69 57 71 76 273
’21 67 63 66 71 266
’20 52 52 13 74 191
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 67 161 — — —
’25 49 67 139 98 353
’24 53 47 82 69 251
’23 54 38 12 90 194
’22 69 57 70 75 271
’21 65 51 72 72 260
’20 52 52 13 74 192
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 230 280 346 415 419 450 593 844 981 1,018 1,053 +18.0% 676 734 796 (7.9%)
Gross margin, % 88.78 87.39 81.52 75.13 87.84 92.93 85.08 52.31 49.10 55.27 62.95 (33.5) pt
EBT 111 137 169 187 214 253 309 245 279 342 421 +13.3%
EBT margin, % 48.20 49.03 48.79 45.05 51.11 56.33 52.11 28.99 28.43 33.62 40.01 (14.6) pt
Net income 81 93 137 149 170 208 252 207 227 277 321 +14.5%
Per share, $
Per share, $ Revenue 2.19 2.65 3.25 3.87 3.89 4.15 5.46 7.75 9.00 9.32 9.65 +17.4%
Earnings 0.78 0.88 1.29 1.40 1.57 1.92 2.32 1.90 2.09 2.53 3.14 +14.0%
Cash flow 0.94 1.12 1.58 1.53 1.78 2.46 2.51 1.81 2.32 3.25 0.00 +14.8%
Capex (0.21) (0.20) 0.01 (0.01) 0.01 (0.06) (0.01) (0.03) (0.01) (0.02) 0.00 (21.6%)
Free cash flow 0.73 0.92 1.60 1.53 1.78 2.40 2.50 1.78 2.30 3.23 0.00 +18.0%
Book value 4.98 5.74 6.73 7.87 9.22 10.64 11.95 13.24 14.83 16.94 18.67 +14.6%
Shares, m 105 106 106 107 108 108 109 109 109 109 109 +0.4%
Valuation, ×
Valuation, × P/E 24.91 23.33 12.40 13.51 12.83 22.18 14.75 17.34 20.32 14.19 13.19 17.6
P/S 8.58 7.80 4.90 4.86 5.18 10.23 6.26 4.25 4.71 3.85 4.29 6.1
P/B 3.77 3.59 2.37 2.39 2.19 3.99 2.86 2.49 2.86 2.12 2.22 2.9
EV/Sales 5.41 6.32 3.11 3.50 0.06 0.99 4.99 1.80 2.35 2.29 — 3.1
EV/FCF 16.31 18.20 6.35 8.88 0.12 1.71 10.90 7.84 9.19 6.61 — 8.6
Cash, $m
Cash, $m Operating cash flow 99 118 168 164 191 266 273 197 253 355 473 +15.3%
Capex (22) (21) 2 (1) 1 (7) (1) (4) (2) (3) (8) (21.2%)
Free cash flow 76 97 170 163 192 260 271 194 251 353 465 +18.5%
Balance, $m
Balance, $m Working capital (116) (104) (44) (165) (199) (504) (776) (857) (675) (495) (304) +17.5%
Net debt (729) (413) (617) (566) (2,147) (4,157) (751) (2,066) (2,312) (1,592) (1,150) +9.1%
Shareholders’ equity 523 608 715 843 993 1,152 1,298 1,440 1,617 1,850 2,037 +15.1%
Returns, %
Returns, % ROA 1.42 1.38 1.81 1.76 1.62 1.52 1.67 1.35 1.36 1.58 1.91 +0.2 pt
ROIC 0.00 44.06 107.71 42.19 0.00 0.00 35.31 0.00 0.00 82.75 29.67 +82.8 pt
ROE 16.75 16.46 20.69 19.15 18.47 19.36 20.53 15.10 14.86 15.95 17.93 (0.8) pt
People
People Employees 420 434 473 505 493 502 571 591 630 666 — +5.3%
Revenue/emp, $m 0.55 0.65 0.73 0.82 0.85 0.90 1.04 1.43 1.56 1.53 — +12.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

ServisFirst Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
TFSL TFS Financial Corporation $4.6B 45.8× 46.1× +5.82% (above 0%: growing) +37.50% (above 0%: growing) +16.04% (above 0%: growing) 42.51% 0.00% Compare
FULT Fulton Financial Corporation $4.5B 11.0× 10.7× +7.63% (above 0%: growing) +11.11% (above 0%: growing) +6.85% (above 0%: growing) 70.88% 0.00% Compare
SFBS ServisFirst Bancshares, Inc. $4.5B 13.2× 12.7× +6.42% (above 0%: growing) +33.33% (above 0%: growing) +141.10% (above 0%: growing) 63.94% 0.00%
TCBI Texas Capital Bancshares, Inc. $4.5B 13.1× 13.3× +1.82% (above 0%: growing) +4.07% (above 0%: growing) +28.99% (above 0%: growing) 66.19% 0.00% Compare
UCB United Community Banks, Inc. $4.4B 31.1× 28.2× −74.97% (below 0%: shrinking) n/m +43.32% (above 0%: growing) (12.04%) 0.00% Compare
FFIN First Financial Bankshares, Inc. $4.4B 15.1× 15.0× +5.01% (above 0%: growing) +40.54% (above 0%: growing) +10.90% (above 0%: growing) 77.51% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
Median of peers $4.4B 14.1× 14.2× +3.92% +18.83% +13.47% 65.92% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 6 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.47m 1.34m 192.08
2024 2.09m 2.90m 223.03
2023 2.14m 2.11m 173.07
2022 2.61m 2.63m 175.14
2021 2.55m 3.58m 213.25

Ownership

Directors and executive officers, together 6.50%
BlackRock, Inc. 13.40%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

ServisFirst Bancshares, Inc. (SFBS) Latest News

20 Oct

Impact 4 · · The Motley Fool
Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby
Impact 3 · · StockStory

19 Oct

Impact 3 · · MarketBeat transcript
Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · StockStory

15 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

14 Oct

Impact 3 · · GlobeNewswire

13 Oct

Impact 3 · · StockStory

6 Oct

Impact 3 · · StockStory

2 Oct

Impact 3 · · StockStory

1 Oct

Impact 3 · · StockStory

18 Sep

Impact 3 ·

17 Sep

Impact 3 · · MarketBeat

15 Aug

Impact 3 ·

22 Jul

Impact 4 ·

21 Jul

Impact 3 · · Moby transcript
Impact 3 ·

20 Jul

Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 ·
Impact 3 ·
Impact 3 ·

23 May

Impact 3 · · Simply Wall St.

15 May

Impact 3 · · Simply Wall St.

SFBS metrics, ten years each

stockrow.com/SFBS · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com