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SFBSServisFirst Bancshares, Inc.
$80.46$4.4B
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SFBS logoServisFirst Bancshares, Inc.(SFBS)Earnings, Financials & Key Ratios

SFBS•NYSE•Banking & Credit
15.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutServisFirst 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.Show more
  • Net Interest Income$535M+19.8%
  • Total Revenue$1.02B+4.1%
  • Net Income$277M+21.7%
  • Return on Equity15.96%+7.3%
  • Net Interest Margin3.02%+17.3%
  • Efficiency Ratio18.17%+0.2%
  • ROA1.58%+16.2%
  • Equity / Assets10.44%+12.0%
  • Book Value per Share33.85+14.4%

SFBS Key Insights

ServisFirst Bancshares, Inc. (SFBS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 18.2% efficiency ratio
  • ✓Well capitalized: 10.4% equity/assets
  • ✓Good 3Y average ROE of 15.3%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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SFBS Price & Volume

ServisFirst Bancshares, Inc. (SFBS) stock price & volume — 10-year historical chart

Loading chart...

SFBS Growth Metrics

ServisFirst Bancshares, Inc. (SFBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years18.49%
5 Years19.71%
3 Years20.57%
TTM-

Profit CAGR

10 Years15.85%
5 Years10.28%
3 Years3.22%
TTM21.72%

EPS CAGR

10 Years15.48%
5 Years10.08%
3 Years3.15%
TTM21.63%

Return on Capital

10 Years18.92%
5 Years16.39%
3 Years12.49%
Last Year4.46%

SFBS Recent Earnings

ServisFirst Bancshares, Inc. (SFBS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 20, 2026
Metric
Actual
Est
EPS
$1.54+0.7%
$1.53
Rev
$159M-1.9%
$162M
Q1 2026
Jan 20, 2026
Metric
Actual
Est
EPS
$1.58+14.5%
$1.38
Rev
$162M+6.8%
$152M
Q4 2025
Oct 20, 2025
Metric
Actual
Est
EPS
$1.30-3.0%
$1.34
Rev
$136M-7.2%
$147M
Q3 2025
Jul 21, 2025
Metric
Actual
Est
EPS
$1.21+0.8%
$1.20
Rev
$132M-10.6%
$148M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$1.54vs $1.53+0.7%
$159Mvs $162M-1.9%
Q1 2026Jan 20, 2026
$1.58vs $1.38+14.5%
$162Mvs $152M+6.8%
Q4 2025Oct 20, 2025
$1.30vs $1.34-3.0%
$136Mvs $147M-7.2%
Q3 2025Jul 21, 2025
$1.21vs $1.20+0.8%
$132Mvs $148M-10.6%
Based on last 12 quarters of dataView full earnings history →

SFBS Peer Comparison

ServisFirst Bancshares, Inc. (SFBS) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.7B32.7818.5211.71%30.71%14.16%0.01
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.47B27.6511.47-5.35%34.59%11.43%0.22
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.13B133.0614.5768.52%19.79%11.67%0.49
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.83B20.8113.69-2.33%32.48%9.25%0.43
BOKF logoBOKFBOK Financial CorporationDirect Competitor7.92B130.3314.20-1.07%17.38%9.79%0.78
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.91B74.1414.57-3.05%21.14%10.65%0.11
CADE logoCADECadence BankProduct Competitor7.85B42.1115.2032.37%18.65%9.11%0.01

Compare SFBS vs Peers

ServisFirst Bancshares, Inc. (SFBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBCP

Most directly comparable listed peer for SFBS.

Scale Benchmark

vs V

Larger-name benchmark to compare SFBS against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBCP, FFIN, HOMB, UMBF

SFBS Income Statement

ServisFirst Bancshares, Inc. (SFBS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
227.42M262.68M287.64M338.04M384.5M470.89M410.94M446.66M535.21M
NII Growth %
21.55%15.5%9.5%17.52%13.75%22.47%-12.73%8.69%19.82%
Net Interest Margin %
3.21%3.28%3.21%2.83%2.49%3.23%2.55%2.57%3.02%
Interest Income
262.76M326.63M390.8M389.02M416.31M559.32M813.25M946.12M990.43M
Interest Expense
35.33M63.95M103.16M50.98M31.8M88.42M402.31M499.46M455.22M
Loan Loss Provision
23.23M21.4M22.64M42.43M31.52M37.61M18.71M21.59M35.31M
Non-Interest Income
12.59M15.98M19.75M24.88M21.12M21.15M15.57M31M27.07M
Non-Interest Income %
4.57%4.66%4.81%6.01%4.83%3.64%1.88%3.17%2.66%
Total Revenue
275.34M▲ 0%
342.61M▲ 24.4%
410.56M▲ 19.8%
413.9M▲ 0.8%
437.43M▲ 5.7%
580.46M▲ 32.7%
828.82M▲ 42.8%
977.12M▲ 17.9%
1.02B▲ 4.1%
Revenue Growth %
23.39%24.43%19.83%0.81%5.69%32.7%42.79%17.89%4.13%
Non-Interest Expense
79.44M88.41M97.9M106.27M120.76M145.6M163.2M177.09M184.84M
Efficiency Ratio
28.85%25.81%23.85%25.68%27.61%25.08%19.69%18.12%18.17%
Operating Income
137.35M▲ 0%
168.84M▲ 22.9%
186.86M▲ 10.7%
214.21M▲ 14.6%
253.35M▲ 18.3%
308.83M▲ 21.9%
244.59M▼ 20.8%
278.98M▲ 14.1%
342.13M▲ 22.6%
Operating Margin %
49.88%49.28%45.51%51.75%57.92%53.2%29.51%28.55%33.62%
Operating Income Growth %
23.94%22.93%10.67%14.63%18.27%21.9%-20.8%14.06%22.64%
Pretax Income
137.35M▲ 0%
168.84M▲ 22.9%
186.86M▲ 10.7%
214.21M▲ 14.6%
253.35M▲ 18.3%
308.83M▲ 21.9%
244.59M▼ 20.8%
278.98M▲ 14.1%
342.13M▲ 22.6%
Pretax Margin %
49.88%49.28%45.51%51.75%57.92%53.2%29.51%28.55%33.62%
Income Tax
44.26M31.9M37.62M44.64M45.62M57.32M37.73M51.74M65.53M
Effective Tax Rate %
32.22%18.89%20.13%20.84%18%18.56%15.43%18.55%19.15%
Net Income
93.09M▲ 0%
136.94M▲ 47.1%
149.24M▲ 9.0%
169.57M▲ 13.6%
207.73M▲ 22.5%
251.5M▲ 21.1%
206.85M▼ 17.8%
227.24M▲ 9.9%
276.6M▲ 21.7%
Net Margin %
33.81%39.97%36.35%40.97%47.49%43.33%24.96%23.26%27.18%
Net Income Growth %
14.25%47.1%8.98%13.62%22.51%21.07%-17.75%9.86%21.72%
Net Income (Continuing)
93.09M136.94M149.24M169.57M207.73M251.5M206.85M227.24M276.6M
EPS (Diluted)
1.72▲ 0%
2.53▲ 47.1%
2.76▲ 9.1%
3.13▲ 13.4%
3.82▲ 22.0%
4.61▲ 20.7%
3.79▼ 17.8%
4.16▲ 9.8%
5.06▲ 21.6%
EPS Growth %
13.16%47.09%9.09%13.41%22.04%20.68%-17.79%9.76%21.63%
EPS (Basic)
1.762.582.793.153.834.633.794.165.06
Diluted Shares Outstanding
54.12M54.17M54.1M54.22M54.44M54.53M54.53M54.64M54.67M

SFBS Balance Sheet

ServisFirst Bancshares, Inc. (SFBS) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
776.14M1.05B1.29B3.1B5.01B1.46B2.86B2.82B1.16B
Cash & Due from Banks
238.06M458.05M530.13M2.21B4.16B814.54M2.03B2.38B95.13M
Short Term Investments
538.08M590.18M759.4M886.69M842.57M644.82M825.93M443M1.07B
Total Investments
6.34B7.06B7.95B9.28B10.72B13.22B13.39B14.33B15.27B
Investments Growth %
18.41%11.36%12.69%16.71%15.56%23.31%1.29%6.97%6.55%
Long-Term Investments
5.8B6.47B7.19B8.39B9.88B12.58B12.57B13.88B14.2B
Accounts Receivables
20.66M24.07M26.26M36.84M34.83M48.42M59.18M62.79M61.96M
Goodwill & Intangibles
14.72M14.45M14.18M13.91M13.64M13.62M13.62M13.62M13.62M
Goodwill
000013.6M13.62M13.62M13.62M13.62M
Intangible Assets
14.72M14.45M14.18M13.91M38K0000
PP&E (Net)
58.9M57.82M56.5M54.97M60.3M59.85M59.32M59.19M60.4M
Other Assets
401.34M370.51M344.19M307.12M415.63M376.67M510.68M451.87M-14.2B
Total Current Assets
796.8M1.07B1.32B3.13B5.04B1.51B2.92B2.88B1.16B
Total Non-Current Assets
6.29B6.94B7.63B8.8B10.41B13.09B13.21B14.47B74.01M
Total Assets
7.08B▲ 0%
8.01B▲ 13.1%
8.95B▲ 11.7%
11.93B▲ 33.4%
15.45B▲ 29.5%
14.6B▼ 5.5%
16.13B▲ 10.5%
17.35B▲ 7.6%
17.73B▲ 2.2%
Asset Growth %
11.18%13.06%11.74%33.36%29.47%-5.52%10.51%7.58%2.16%
Return on Assets (ROA)
1.38%1.81%1.76%1.62%1.52%1.67%1.35%1.36%1.58%
Accounts Payable
4.97M10.38M11.93M12.32M13.62M18.61M27.55M28.03M29.99M
Total Debt
366.63M353.39M535.45M916.29M1.78B1.68B1.32B2.06B1.51B
Net Debt
128.57M-104.66M5.33M-1.29B-2.39B868.99M-709.05M-317.12M1.41B
Long-Term Debt
64.83M64.67M64.7M64.75M64.71M64.73M64.73M64.74M34.75M
Short-Term Debt
301.8M288.73M470.75M851.54M1.71B1.62B1.26B1.99B1.47B
Other Liabilities
11.51M12.7M27.15M35.46M53.85M48.91M66.75M104.92M15.84B
Total Current Liabilities
6.4B7.21B8.01B10.84B14.18B13.18B14.56B15.57B4.16B
Total Non-Current Liabilities
76.34M77.36M91.86M100.21M118.56M113.64M131.48M169.66M15.88B
Total Liabilities
6.47B7.29B8.1B10.94B14.3B13.3B14.69B15.73B15.88B
Total Equity
607.6M▲ 0%
715.2M▲ 17.7%
842.68M▲ 17.8%
992.85M▲ 17.8%
1.15B▲ 16.0%
1.3B▲ 12.7%
1.44B▲ 11.0%
1.62B▲ 12.2%
1.85B▲ 14.4%
Equity Growth %
16.2%17.71%17.82%17.82%16.03%12.66%10.98%12.24%14.45%
Equity / Assets (Capital Ratio)
8.58%8.93%9.42%8.32%7.46%8.89%8.93%9.32%10.44%
Return on Equity (ROE)
16.47%20.7%19.16%18.48%19.37%20.53%15.11%14.87%15.96%
Book Value per Share
11.2313.2015.5818.3121.1623.8026.4129.5933.85
Tangible BV per Share
10.9512.9415.3118.0620.9123.5526.1629.3433.60
Common Stock
53K53K54K54K54K54K54K54K54K
Additional Paid-in Capital
217.69M218.52M219.77M223.86M226.4M229.69M232.6M235.78M237.84M
Retained Earnings
389.6M500.87M616.61M748.22M911.01M1.11B1.25B1.41B1.61B
Accumulated OCI
-198K-4.74M5.75M20.22M14.06M-42.25M-47.59M-32.18M-1.79M
Treasury Stock
000000000
Preferred Stock
000000000

SFBS Cash Flow Statement

ServisFirst Bancshares, Inc. (SFBS) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
118.46M168.3M164.28M191.29M266.33M272.63M197.3M252.91M355.2M
Operating CF Growth %
20.24%42.07%-2.39%16.45%39.23%2.36%-27.63%28.19%40.44%
Net Income
93.09M136.94M149.24M169.57M207.73M251.5M206.85M227.24M276.6M
Depreciation & Amortization
2.85M3.65M3.95M4.1M4.39M4.12M4.44M4.79M4.73M
Deferred Taxes
14.13M-14.09M-1.07M-9.72M-5.06M-2.62M-1M-3.35M1.83M
Other Non-Cash Items
26.99M28.92M19.59M41.68M66.89M57.46M29.88M29.95M87.39M
Working Capital Changes
-19.76M12.04M-8.54M-15.67M-9.48M-41.05M-46.46M-9.2M-18.3M
Cash from Investing
-1.04B-754.47M-988.35M-1.41B-1.56B-2.64B-200.43M-948.53M-1.15B
Purchase of Investments
-149.02M-156.81M-294.08M-335.23M-751.58M-744.9M-1.06B-1.2B-564.44M
Sale/Maturity of Investments
94.36M97.52M136.19M220.99M276.96M266.1M846.58M1.22B659.87M
Net Investment Activity
-54.65M-59.29M-157.9M-114.24M-474.62M-478.81M-213.26M16.03M95.43M
Acquisitions
000000000
Other Investing
-966.44M-692.88M-828.1M-1.29B-1.08B-2.16B16.74M-959.92M-1.24B
Cash from Financing
617.37M790.48M772.78M2.8B3.31B-1.04B1.32B941.16M49.35M
Dividends Paid
-10.1M-20.26M-24.12M-28.29M-32.58M-37.53M-45.77M-65.47M-73.23M
Share Repurchases
000000000
Stock Issued
2.04M2.34M2.12M3.49M3.53M1.23M1.29M916K610K
Net Stock Activity
2.04M2.34M2.12M3.49M3.53M1.23M1.29M916K610K
Debt Issuance (Net)
1000K-200K1000K40K1000K-1000K-1000K1000K-1000K
Other Financing
617.81M808.6M612.75M2.83B2.47B-907.17M1.72B268.72M674.07M
Net Change in Cash
-306.41M▲ 0%
204.31M▲ 166.7%
-51.3M▼ 125.1%
1.58B▲ 3181.8%
2.01B▲ 27.2%
-3.41B▼ 269.4%
1.32B▲ 138.6%
245.55M▼ 81.3%
-749.94M▼ 405.4%
Exchange Rate Effect
000000000
Cash at Beginning
784M477.59M681.89M630.6M2.21B4.22B816.05M2.13B2.38B
Cash at End
477.59M681.89M630.6M2.21B4.22B816.05M2.13B2.38B1.63B
Interest Paid
34.76M58.54M101.61M50.6M30.5M83.43M393.38M498.98M453.25M
Income Taxes Paid
42.59M30.55M42.23M50.87M56.65M68.67M53.99M44.98M34.58M
Free Cash Flow
97.31M▲ 0%
166M▲ 70.6%
161.92M▼ 2.5%
188.99M▲ 16.7%
256.88M▲ 35.9%
268.98M▲ 4.7%
193.39M▼ 28.1%
248.27M▲ 28.4%
349.26M▲ 40.7%
FCF Growth %
27.51%70.59%-2.46%16.72%35.93%4.71%-28.1%28.38%40.68%

SFBS Banking Ratios

ServisFirst Bancshares, Inc. (SFBS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
16.76%16.47%20.7%19.16%18.48%19.37%20.53%15.11%14.87%15.96%
Return on Assets (ROA)
1.42%1.38%1.81%1.76%1.62%1.52%1.67%1.35%1.36%1.58%
Net Interest Margin
2.94%3.21%3.28%3.21%2.83%2.49%3.23%2.55%2.57%3.02%
Efficiency Ratio
32.77%28.85%25.81%23.85%25.68%27.61%25.08%19.69%18.12%18.17%
Equity / Assets
8.21%8.58%8.93%9.42%8.32%7.46%8.89%8.93%9.32%10.44%
Book Value / Share
9.7511.2313.215.5818.3121.1623.826.4129.5933.85
NII Growth
15.3%21.55%15.5%9.5%17.52%13.75%22.47%-12.73%8.69%19.82%
Dividend Payout
9.64%10.79%14.75%16.12%16.65%15.65%14.9%22.1%28.79%26.45%
Related:SFBS Dividend History·SFBS Revenue History·SFBS Price History·SFBS P/E History·SFBS Financial Ratios·SFBS Institutional Holders

SFBS SEC Filings & Documents

ServisFirst Bancshares, Inc. (SFBS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 20, 2026·SEC

Material company update

Mar 16, 2026·SEC

Material company update

Feb 24, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Mar 1, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 6, 2025·SEC

SFBS Frequently Asked Questions

ServisFirst Bancshares, Inc. (SFBS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

ServisFirst Bancshares, Inc. (SFBS) grew revenue by 4.1% over the past year. Growth has been modest.

Yes, ServisFirst Bancshares, Inc. (SFBS) is profitable, generating $276.6M in net income for fiscal year 2025 (27.2% net margin).

Dividend & Returns

Yes, ServisFirst Bancshares, Inc. (SFBS) pays a dividend with a yield of 1.66%. This makes it attractive for income-focused investors.

ServisFirst Bancshares, Inc. (SFBS) has a return on equity (ROE) of 16.0%. This is reasonable for most industries.

Industry Metrics

ServisFirst Bancshares, Inc. (SFBS) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

ServisFirst Bancshares, Inc. (SFBS) has an efficiency ratio of 18.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SFBS back in 2007?

Total return calculator · dividends reinvested · 19+ years of data

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How much would $100/month in SFBS be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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