Is SFBS a good stock to buy right now?

Based on our 6-factor quantitative model, ServisFirst Bancshares, Inc. (SFBS) receives a "Hold" rating with a composite score of 49.7/100. It is ranked #1,730 out of 4,446 stocks. Key factor scores: Quality 63/100, Value 69/100, Momentum 40/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for SFBS?

ServisFirst Bancshares, Inc. (SFBS) has a "Hold" rating and 3-star score. The composite score of 49.7 ranks it #1,730 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is SFBS in?

ServisFirst Bancshares, Inc. operates in the Financials sector (Banking industry) with a market cap of $4.00 billion. It is classified as a mid-cap stock.

Does SFBS pay a dividend?

Yes, SFBS pays a dividend with a current yield of 1.63%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $16.30 in annual dividend income.

What is SFBS's P/E ratio?

SFBS has a trailing P/E ratio of 16.32x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is SFBS?

SFBS's quality factor score is 63/100. Gross margin: 0.0%. ROE: 13.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is SFBS valued compared to peers?

SFBS's value factor score is 69/100 (higher = cheaper). Key multiples: P/E 16.3x, EV/EBITDA 13.3x. The stock appears attractively valued versus peers.

What is SFBS's debt level?

SFBS's debt-to-equity ratio is 858%. Sector average: 121%. Elevated leverage increases credit risk.

SFBS has a beta of 1.04, meaning it tracks the market. Stability score: 67/100.

Does SFBS have high short interest?

SFBS's short interest factor score is 9/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

SFBS Stock Analysis: Top Mid-Cap Hold (Score 49.7/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
SFBS	-2.01%	+6.88%	+4.37%	+8.86%	+13.23%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.94%	+3.28%	+4.03%	+9.22%	-16.30%	-	-	-
Alpha vs Sector	-0.92%	+4.38%	+2.95%	+16.16%	+2.64%	-	-	-

Metric	SFBS	Benchmark
P/E Ratio	16.3x	+10%
EV/EBITDA	13.3x	+308%
Price / Book	2.2x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	9.2x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	11.0x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.8x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	10.0x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.9x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	13.0x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.4x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	10.0x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	13.2x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
SFBS ServisFirst Bancshares, Inc.	50	63	69	40	16.3x	13.5%	0.0%	25.3%	10.5%	858.0x	$4.0B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	0.9%	-	-	-	0.9%	0.9%	0.9%	0.9%	0.9%
Operating Margin %	0.3%	0.3%	0.1%	0.3%	0.6%	0.6%	0.1%	0.1%	0.1%	0.1%	0.1%
EBITDA Margin %	0.3%	0.4%	0.6%	0.3%	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%
Net Margin %	0.3%	0.3%	0.5%	0.3%	0.4%	0.5%	0.5%	0.5%	0.5%	0.4%	0.4%
FCF Margin %	-14.8%	-	51.5%	-	-	-	51.3%	52.0%	58.8%	39.8%	37.2%
ROE %	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	13.7%	14.6%	1.8%	13.4%	18.8%	17.4%	2.5%	2.3%	2.3%	2.3%	2.7%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.9%

Operating Margin %

0.3%

0.1%

0.3%

0.6%

0.1%

EBITDA Margin %

0.3%

0.4%

0.6%

0.3%

0.6%

Net Margin %

0.3%

0.5%

0.3%

0.4%

0.5%

0.4%

FCF Margin %

-14.8%

51.5%

51.3%

52.0%

58.8%

39.8%

37.2%

ROE %

0.1%

0.2%

ROA %

0.0%

ROIC %

13.7%

14.6%

1.8%

13.4%

18.8%

17.4%

2.5%

2.3%

2.7%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$987M	$990M	$482M	$813M	$559M	$416M	$368M	$312M	$282M	$245M	$205M	$176M
	—	—	$447M	—	—	—	$338M	$288M	$263M	$227M	$187M	$162M
Gross Margin	0.0%	---	92.7%	---	---	---	91.8%	92.3%	93.1%	92.9%	91.2%	92.3%
	—	$5M	$5M	$4M	$4M	$4M	$10M	$7M	$6M	$7M	$7M	$7M
Total Operating Expenses	—	$648M	—	$569M	$250M	$163M	—	—	—	—	—	—
	$307M	$342M	$35M	$245M	$309M	$253M	$30M	$24M	$19M	$17M	$18M	$14M
EBIT	$307M	$342M	$35M	$245M	$309M	$253M	$30M	$24M	$19M	$17M	$18M	$14M
EBITDA	$307M	$347M	$284M	$249M	$313M	$257M	$224M	$194M	$175M	$144M	$118M	$96M
Operating Margin	31.1%	34.5%	7.3%	30.1%	55.2%	60.9%	8.2%	7.7%	6.9%	7.1%	8.8%	7.7%
EBITDA Margin	31.1%	35.0%	58.9%	30.6%	55.9%	61.8%	60.8%	62.2%	62.1%	58.9%	57.5%	54.8%
	—	$81M	$499M	$402M	$88M	$32M	$51M	$103M	$64M	$35M	$26M	$18M
	—	$342M	—	$245M	$309M	$253M	—	—	—	—	—	—
Income Tax Expense	—	$66M	$52M	$38M	$57M	$46M	$45M	$38M	$32M	$44M	$29M	$25M
	$250M	$277M	$227M	$207M	$252M	$208M	$170M	$149M	$137M	$93M	$81M	$64M
Net Margin	25.3%	27.9%	47.2%	25.4%	45.0%	49.9%	46.1%	47.9%	48.5%	38.0%	39.9%	36.1%
	$5.06	$5.06	$4.17	$3.80	$4.63	$3.83	$3.15	$2.79	$2.57	$1.76	$1.55	$1.23
Diluted EPS	$5.06	$5.06	$4.17	$3.79	$4.61	$3.82	$3.15	$2.79	$2.57	$1.76	$1.55	$1.23
Weighted Avg Basic	—	55M	—	54M	54M	54M	—	—	—	—	—	—
Weighted Avg Diluted	—	55M	—	55M	55M	54M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$987M

$990M

$482M

$813M

$559M

$416M

$368M

$312M

$282M

$245M

$205M

$176M

—

$447M

—

$338M

$288M

$263M

$227M

$187M

$162M

Gross Margin

0.0%

---

92.7%

---

91.8%

92.3%

93.1%

92.9%

91.2%

92.3%

—

$5M

$4M

$10M

$7M

$6M

$7M

Total Operating Expenses

—

$648M

—

$569M

$250M

$163M

—

$307M

$342M

$35M

$245M

$309M

$253M

$30M

$24M

$19M

$17M

$18M

$14M

EBIT

$307M

$342M

$35M

$245M

$309M

$253M

$30M

$24M

$19M

$17M

$18M

$14M

EBITDA

$307M

$347M

$284M

$249M

$313M

$257M

$224M

$194M

$175M

$144M

$118M

$96M

Operating Margin

31.1%

34.5%

7.3%

30.1%

55.2%

60.9%

8.2%

7.7%

6.9%

7.1%

8.8%

7.7%

EBITDA Margin

31.1%

35.0%

58.9%

30.6%

55.9%

61.8%

60.8%

62.2%

62.1%

58.9%

57.5%

54.8%

—

$81M

$499M

$402M

$88M

$32M

$51M

$103M

$64M

$35M

$26M

$18M

—

$342M

—

$245M

$309M

$253M

—

Income Tax Expense

—

$66M

$52M

$38M

$57M

$46M

$45M

$38M

$32M

$44M

$29M

$25M

$250M

$277M

$227M

$207M

$252M

$208M

$170M

$149M

$137M

$93M

$81M

$64M

Net Margin

25.3%

27.9%

47.2%

25.4%

45.0%

49.9%

46.1%

47.9%

48.5%

38.0%

39.9%

36.1%

$5.06

$4.17

$3.80

$4.63

$3.83

$3.15

$2.79

$2.57

$1.76

$1.55

$1.23

Diluted EPS

$5.06

$4.17

$3.79

$4.61

$3.82

$3.15

$2.79

$2.57

$1.76

$1.55

$1.23

Weighted Avg Basic

—

55M

—

54M

—

Weighted Avg Diluted

—

55M

—

55M

54M

—

ServisFirst Bancshares, Inc. (SFBS) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does ServisFirst Bancshares, Inc. Do?

ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. It accepts demand, time, savings, and other deposits; checking, money market, and IRA accounts; and certificates of deposit. The company's loan products include commercial lending products, such as seasonal, bridge, and term loans for working capital, expansion of the business, acquisition of property, and plant and equipment, as well as commercial lines of credit; commercial real estate loans, construction and development loans, and residential real estate loans; and consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans. It also offers other banking products and services comprising telephone and mobile banking, direct deposit, Internet banking, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit card systems, as well as Visa credit cards; treasury and cash management services; wire transfer, night depository, banking-by-mail, and remote capture services; and correspondent banking services to other financial institutions. In addition, the company holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. It operates 23 full-service banking offices located in Alabama, Florida, Georgia, South Carolina, and Tennessee, as well as 2 loan production offices in Florida. The company was founded in 2005 and is headquartered in Birmingham, Alabama. ServisFirst Bancshares, Inc. (SFBS) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Thomas A. Broughton and employs approximately 570 people, headquartered in BIRMINGHAM, Alabama. With a market capitalization of $4.0B, SFBS is one of the notable companies in the Financials sector.

ServisFirst Bancshares, Inc. (SFBS) Stock Rating — Hold (April 2026)

As of April 2026, ServisFirst Bancshares, Inc. receives a Hold rating with a composite score of 49.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.SFBS ranks #1,730 out of 4,446 stocks in our coverage universe. Within the Financials sector, ServisFirst Bancshares, Inc. ranks #514 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

SFBS Stock Price and 52-Week Range

ServisFirst Bancshares, Inc. (SFBS) currently trades at $78.15. The stock lost $1.60 (2.0%) in the most recent trading session. The 52-week high for SFBS is $90.64, which means the stock is currently trading -13.8% from its annual peak. The 52-week low is $66.48, putting the stock 17.6% above its annual trough. Recent trading volume was 165K shares, suggesting relatively thin trading activity.

Is SFBS Overvalued or Undervalued? — Valuation Analysis

ServisFirst Bancshares, Inc. (SFBS) carries a value factor score of 69/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 16.32x, compared to the Financials sector average of 14.88x — a premium of 10%. The price-to-book ratio stands at 2.21x, versus the sector average of 1.22x. The price-to-sales ratio is 4.14x, compared to 0.90x for the average Financials stock. On an enterprise value basis, SFBS trades at 13.30x EV/EBITDA, versus 3.26x for the sector.

Overall, SFBS's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

ServisFirst Bancshares, Inc. Profitability — ROE, Margins, and Quality Score

ServisFirst Bancshares, Inc. (SFBS) earns a quality factor score of 63/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 13.5%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.4% versus the sector average of 1.2%.

On a margin basis, ServisFirst Bancshares, Inc. reports gross margins of 0.0%. The operating margin is 31.1% (sector: 21.8%). Net profit margin stands at 25.3%, versus 17.7% for the average Financials stock. Revenue growth is running at 10.4% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

SFBS Debt, Balance Sheet, and Financial Health

ServisFirst Bancshares, Inc. has a debt-to-equity ratio of 858.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage. Total debt on the balance sheet is $65M. Cash and equivalents stand at $144M.

SFBS has a beta of 1.04, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for ServisFirst Bancshares, Inc. is 67/100, reflecting average volatility within the normal range for its sector.

ServisFirst Bancshares, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, ServisFirst Bancshares, Inc. reported revenue of $987M and earnings per share (EPS) of $5.06. Net income for the quarter was $250M. Gross margin was 0.0%. Operating income came in at $307M.

In FY 2025, ServisFirst Bancshares, Inc. reported revenue of $990M and earnings per share (EPS) of $5.06. Net income for the quarter was $277M. Revenue grew 105.6% year-over-year compared to FY 2024. Operating income came in at $342M.

In Q3 2025, ServisFirst Bancshares, Inc. reported revenue of $251M and earnings per share (EPS) of $1.20. Net income for the quarter was $66M. Revenue grew 1.3% year-over-year compared to Q3 2024. Operating income came in at $79M.

In Q2 2025, ServisFirst Bancshares, Inc. reported revenue of $247M and earnings per share (EPS) of $1.12. Net income for the quarter was $61M. Revenue grew 8.4% year-over-year compared to Q2 2024. Operating income came in at $77M.

Over the past 8 quarters, ServisFirst Bancshares, Inc. has demonstrated a growth trajectory, with revenue expanding from $228M to $987M. Investors analyzing SFBS stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

SFBS Dividend Yield and Income Analysis

ServisFirst Bancshares, Inc. (SFBS) currently pays a dividend yield of 1.6%. At this yield, a $10,000 investment in SFBS stock would generate approximately $$163.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning SFBS yields less than the typical sector peer. With a net margin of 25.3%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

SFBS Momentum and Technical Analysis Profile

ServisFirst Bancshares, Inc. (SFBS) has a momentum factor score of 40/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 29/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 9/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

SFBS vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, ServisFirst Bancshares, Inc. (SFBS) ranks #514 out of 891 stocks based on the Blank Capital composite score. This places SFBS in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing SFBS against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full SFBS vs S&P 500 (SPY) comparison to assess how ServisFirst Bancshares, Inc. stacks up against the broader market across all factor dimensions.

SFBS Next Earnings Date

No upcoming earnings date has been announced for ServisFirst Bancshares, Inc. (SFBS) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy SFBS? — Investment Thesis Summary

ServisFirst Bancshares, Inc. presents a balanced picture with arguments on both sides. The quality score of 63/100 indicates above-average profitability and business fundamentals. The value score of 69/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 67/100) reduces downside risk.

In summary, ServisFirst Bancshares, Inc. (SFBS) earns a Hold rating with a composite score of 49.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on SFBS stock.

Related Resources for SFBS Investors

Explore more research and tools: SFBS vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare SFBS head-to-head with peers: SFBS vs WTM, SFBS vs OPY, SFBS vs ACT.

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ServisFirst Bancshares, Inc. (SFBS) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does ServisFirst Bancshares, Inc. Do?

ServisFirst Bancshares, Inc. (SFBS) Stock Rating — Hold (April 2026)

SFBS Stock Price and 52-Week Range

Is SFBS Overvalued or Undervalued? — Valuation Analysis

ServisFirst Bancshares, Inc. Profitability — ROE, Margins, and Quality Score

SFBS Debt, Balance Sheet, and Financial Health

ServisFirst Bancshares, Inc. Revenue and Earnings History — Quarterly Trend

SFBS Dividend Yield and Income Analysis

SFBS Momentum and Technical Analysis Profile

SFBS vs Competitors — Financials Sector Ranking and Peer Comparison

SFBS Next Earnings Date

Should You Buy SFBS? — Investment Thesis Summary

Related Resources for SFBS Investors

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