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. In the quarter to June 2026, revenue grew 6.36%, EPS grew 40.2%, free cash flow grew 141.1% and total debt fell 46.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten.

39.36 0.20 −0.51%
Market cap
$4.3B
P/E
13.4×
Fwd P/E
12.3×
Dividend yield
1.93%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
24.91 23.33 12.40 13.51 12.83 22.18 14.75 17.34 20.32 14.19
Piotroski F-Score
5 6 7 5 6 5 6 5 7 7
P/S ratio
8.58 7.80 4.90 4.86 5.18 10.23 6.26 4.25 4.71 3.85
P/FCF ratio
25.86 22.45 9.98 12.35 11.31 17.72 13.67 18.52 18.39 11.12
P/Operating CF
70.78 58.57 32.44 32.83 29.41 64.98 48.84 39.35 68.79 39.70
P/B ratio
3.77 3.59 2.37 2.39 2.19 3.99 2.86 2.49 2.86 2.12
Price to Tangible BV
3.89 3.68 2.42 2.43 2.22 4.04 2.89 2.51 2.88 2.13
EV/Sales
5.41 6.32 3.11 3.50 0.06 0.99 4.99 1.80 2.35 2.29
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
12.63 14.95 6.40 8.83 0.12 1.66 10.85 7.70 9.13 6.56
EV/FCF
16.31 18.20 6.35 8.88 0.12 1.71 10.90 7.84 9.19 6.61
Quick Ratio
0.14 0.07 0.09 0.08 0.20 0.30 0.06 0.15 0.15 0.10
Current Ratio
0.98 0.98 0.99 0.98 0.98 0.96 0.94 0.94 0.96 0.97
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
0.87% 0.92% 0.81% 0.72% 0.54% 0.42% 0.44% 0.40% 0.37% 0.20%
Debt/Equity
0.11 0.11 0.09 0.08 0.07 0.06 0.05 0.04 0.04 0.02
Asset Turnover
0.04 0.04 0.05 0.05 0.04 0.03 0.04 0.05 0.06 0.06
Operating CF/Net income
1.21 1.27 1.23 1.10 1.13 1.28 1.08 0.95 1.11 1.28
Capex/Depreciation
(3.54) (3.31) 0.24 (0.13) 0.06 (0.26) (0.07) (0.20) (0.09) (0.06)
ROE
16.75% 16.46% 20.69% 19.15% 18.47% 19.36% 20.53% 15.10% 14.86% 15.95%
ROA
1.42% 1.38% 1.81% 1.76% 1.62% 1.52% 1.67% 1.35% 1.36% 1.58%
ROIC
0.00% 44.06% 107.71% 42.19% 0.00% 0.00% 35.31% 0.00% 0.00% 82.75%
Return on Tangible Assets
(107.16%) (206.82%) 978.25% (137.39%) (117.55%) (46.81%) (35.09%) (25.93%) (36.88%) (63.63%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
40.58% 38.35% 32.73% 30.08% 36.73% 36.60% 32.97% 23.32% 20.66% 21.65%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
0.52% 0.42% 0.25% 0.27% 0.32% 0.41% 0.54% 0.43% 0.36% 0.29%
Graham Net Nets
(0.09) (0.08) (0.07) (0.13) (0.14) (0.14) (0.24) (0.28) (0.18) (0.17)
Graham Number
9.20 10.70 13.94 15.72 18.05 21.41 24.95 23.79 26.37 31.06
Earnings Yield
4.01% 4.29% 8.06% 7.40% 7.79% 4.51% 6.78% 5.77% 4.92% 7.05%
Free Cash Flow Yield
3.87% 4.46% 10.02% 8.10% 8.84% 5.64% 7.31% 5.40% 5.44% 8.99%
Revenue per Share
2.19 2.65 3.25 3.87 3.89 4.15 5.46 7.75 9.00 9.32
Operating CF per Share
0.94 1.12 1.58 1.53 1.78 2.46 2.51 1.81 2.32 3.25
Capex per Share
(0.21) (0.20) 0.01 (0.01) 0.01 (0.06) (0.01) (0.03) (0.01) (0.02)
Free Cash Flow per Share
0.73 0.92 1.60 1.53 1.78 2.40 2.50 1.78 2.30 3.23
Cash per Share
7.47 4.52 6.41 5.89 20.54 38.98 7.51 19.58 21.79 14.89
Shareholders Equity per Share
4.98 5.74 6.73 7.87 9.22 10.64 11.95 13.24 14.83 16.94
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
4.98 5.74 6.73 7.87 9.22 10.64 11.95 13.24 14.83 16.94
Free Cash Flow
76.32 97.31 169.82 163.36 191.84 259.58 271.26 193.54 251.29 352.60
Working Capital
(116.31) (103.88) (43.83) (165.07) (199.17) (503.91) (776.47) (856.93) (675.19) (495.02)
Capital Expenditures
(22.20) (21.15) 1.52 (0.92) 0.55 (6.75) (1.37) (3.75) (1.62) (2.60)
Net Current Asset Value
(183.21) (180.22) (121.19) (256.93) (299.38) (622.47) (890.11) (988.41) (844.85) (651.21)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.10 0.08 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.00
Price to Operating Income
17.81 15.90 10.04 10.79 10.13 18.16 12.01 14.66 16.56 11.46
Other line items
Depreciation/Fixed assets
0.16 0.11 0.11 0.12 0.17 0.43 0.31 0.32 0.29 0.72
Cash ROIC
5.60% 8.46% 11.62% 10.62% 5.87% 4.77% 12.45% 5.32% 6.19% 10.04%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.01 0.01 0.01 0.01 0.01 0.00 0.01 0.03 0.04 0.03
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
76,667.84 62,928.74 39,473.22 26,644.64 71,415.89 142,924.55 47,663.87 12,042.56 9,897.38 11,401.01
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
4,822.10 5,755.99 6,503.69 7,223.07 8,753.08 11,214.28 11,999.82 12,410.16 13,408.49 13,881.25
Average Assets
5,732.98 6,726.42 7,544.88 8,477.52 10,440.15 13,690.73 15,022.28 15,362.71 16,740.66 17,539.42
Average Common Equity
486.02 565.25 661.40 778.94 917.77 1,072.43 1,224.96 1,369.15 1,528.59 1,733.56

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