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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. 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
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 4.16
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — — — 1 — — —
Insider Ownership 6.57%

Capital & Financial Ratios $m

Market Cap 4,320.00
Revenue 1,036.31
Net Income 320.72
Free Cash Flow 465.38
Net Debt (1,421.72)
Current Ratio 0.98
Debt/Equity 0.02
P/E ratio 13.41
Fwd P/E 12.30
P/S ratio 4.15
P/B ratio 2.18
Past 5Y EPS Growth 10.08%
This Y EPS Growth 22.27% (at or above 15%: strong)
Next Y EPS Growth 9.76%
Next Y revenue growth (33.44%) (below 0%: weak)
Next 5Y EPS Growth 9.00%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 22.52%
10-year low 10-year high
P/S against its own 10 years 16.40%
10-year low 10-year high
P/B against its own 10 years 14.01%
10-year low 10-year high

Dividends

Payout Ratio 0.26
Annual Dividend Rate 0.76
Annual Dividend Yield 1.93%
total individual payouts
2027 Powerpack
2026 1.01
0.19
0.19
0.19
0.19
2025 1.31
0.17
0.17
0.17
0.17
2024 0.45
0.15
0.15
0.15
2023 0.57
0.14
0.14
0.14
0.15
2022 0.49
0.12
0.12
0.12
0.14
2021 0.42
0.10
0.10
0.10
0.12
2020 0.36
0.09
0.09
0.09
0.10
2019 0.31
0.08
0.08
0.08
0.09
2018 0.24
0.06
0.06
0.06
0.08
2017 0.10
0.03
0.03
0.03
0.03
2016 0.10
0.02
0.02
0.02
0.02
0.02
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,131 2,377 1,627 1,456
Receivables — — — —
Inventory — — — —
Other — — — —
13,701 14,890 15,226 15,830
2023 2024 2025 Q'26
Payables 13,274 13,543 14,219 14,549
ST’ Debt — — — —
Other — — — —
14,558 15,565 15,721 16,156

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%

Revenue $m

Mar Jun Sep Dec Year
’26 252 263 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.76 0.79 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 8.53 16.27 14.95 14.59 10.88 19.73 31.77 19.64 29.03 33.24

Analyst estimates 2026–2028

Powerpack
High 19.33 22.00 22.48 19.28 20.95 44.47 48.63 37.56 50.69 46.95
People
People Employees 420 434 473 505 493 502 571 591 630 666
Revenue/emp, $m 0.55 0.65 0.73 0.82 0.85 0.90 1.04 1.43 1.56 1.53
Income, $m
Income, $m Revenue 230 280 346 415 419 450 593 844 981 1,018
Gross margin, % 88.78 87.39 81.52 75.13 87.84 92.93 85.08 52.31 49.10 55.27
EBT 111 137 169 187 214 253 309 245 279 342
EBT margin, % 48.20 49.03 48.79 45.05 51.11 56.33 52.11 28.99 28.43 33.62
Net income 81 93 137 149 170 208 252 207 227 277
Depreciation 6 6 6 7 10 26 19 19 17 43
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
Earnings 0.78 0.88 1.29 1.40 1.57 1.92 2.32 1.90 2.09 2.53
Cash flow 0.94 1.12 1.58 1.53 1.78 2.46 2.51 1.81 2.32 3.25
Capex (0.21) (0.20) 0.01 (0.01) 0.01 (0.06) (0.01) (0.03) (0.01) (0.02)
Free cash flow 0.73 0.92 1.60 1.53 1.78 2.40 2.50 1.78 2.30 3.23
Book value 4.98 5.74 6.73 7.87 9.22 10.64 11.95 13.24 14.83 16.94
Shares, m 105 106 106 107 108 108 109 109 109 109
Valuation, ×
Valuation, × P/E 24.91 23.33 12.40 13.51 12.83 22.18 14.75 17.34 20.32 14.19
P/S 8.58 7.80 4.90 4.86 5.18 10.23 6.26 4.25 4.71 3.85
P/B 3.77 3.59 2.37 2.39 2.19 3.99 2.86 2.49 2.86 2.12
EV/Sales 5.41 6.32 3.11 3.50 0.06 0.99 4.99 1.80 2.35 2.29
EV/FCF 16.31 18.20 6.35 8.88 0.12 1.71 10.90 7.84 9.19 6.61
Cash, $m
Cash, $m Operating cash flow 99 118 168 164 191 266 273 197 253 355
Capex (22) (21) 2 (1) 1 (7) (1) (4) (2) (3)
Free cash flow 76 97 170 163 192 260 271 194 251 353
Balance, $m
Balance, $m Working capital (116) (104) (44) (165) (199) (504) (776) (857) (675) (495)
Total debt 55 65 65 65 65 65 65 65 65 35
Net debt (729) (413) (617) (566) (2,147) (4,157) (751) (2,066) (2,312) (1,592)
Shareholders’ equity 523 608 715 843 993 1,152 1,298 1,440 1,617 1,850
Returns, %
Returns, % 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
ROE 16.75 16.46 20.69 19.15 18.47 19.36 20.53 15.10 14.86 15.95
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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 45.4× 49.0× +5.82% (above 0%: growing) +37.50% (above 0%: growing) +16.04% (above 0%: growing) 42.51% 0.00% Compare
FFIN First Financial Bankshares, Inc. $4.5B 16.2× 15.9× +7.84% (above 0%: growing) +6.38% (above 0%: growing) +25.95% (above 0%: growing) 77.89% 0.00% Compare
SFBS ServisFirst Bancshares, Inc. $4.3B 13.4× 12.3× +6.36% (above 0%: growing) +40.18% (above 0%: growing) +141.10% (above 0%: growing) 64.14% 0.00%
FULT Fulton Financial Corporation $4.3B 10.7× 11.1× +7.53% (above 0%: growing) −1.89% (below 0%: shrinking) +6.85% (above 0%: growing) 71.64% 0.00% Compare
IBOC International Bancshares Corporation $4.2B 10.1× 11.2× +0.96% (above 0%: growing) −4.35% (below 0%: shrinking) −3.33% (below 0%: shrinking) 81.33% 0.00% Compare
FBP First BanCorp. $4.2B 11.4× 10.8× +4.63% (above 0%: growing) +26.00% (above 0%: growing) −5.21% (below 0%: shrinking) 81.89% 0.00% Compare
UCB United Community Banks, Inc. $4.1B 11.1× 11.3× +0.18% (above 0%: growing) +50.79% (above 0%: growing) +43.32% (above 0%: growing) 72.97% 0.00% Compare
BMA Macro Bank Inc. $4.1B 14.0× 15.4× +4.42% (above 0%: growing) +17.44% (above 0%: growing) +198.80% (above 0%: growing) 77.07% 0.00% Compare
CATY Cathay General Bancorp $4.0B 11.6× 10.6× +3.12% (above 0%: growing) +24.32% (above 0%: growing) +272.48% (above 0%: growing) 63.72% 0.00% Compare
Median of peers $4.2B 11.5× 11.3× +4.53% +20.88% +21.00% 75.02% 0.00%

All 323 Banks Regional stocks →

ServisFirst Bancshares, Inc. (SFBS) key facts

  • Strength: ServisFirst Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 3.72% from fiscal 2024.
  • Strength: Net income was $276.6 million, or $2.53 per share (basic), a net margin of 27.2%.
  • ServisFirst Bancshares, Inc. (SFBS) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, SFBS traded at $39.36, a market capitalization of $4.3 billion.
  • At that price the stock trades at 13.4× trailing-twelve-month earnings and 4.2× sales; its P/E is higher than 23% of its own readings over the past ten years.
  • ServisFirst Bancshares, Inc. pays an annual dividend of $0.76 per share, a yield of 1.93%, with a payout ratio of 25.9%.
  • Return on equity was 16.0% and debt-to-equity 0.02.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

ServisFirst Bancshares, Inc. (SFBS) Latest News

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stockrow.com/SFBS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com