8-K Announcements
6Apr 20, 2026·SEC
Mar 16, 2026·SEC
Feb 24, 2026·SEC
ServisFirst Bancshares, Inc. (SFBS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
ServisFirst Bancshares, Inc. (SFBS) stock price & volume — 10-year historical chart
ServisFirst Bancshares, Inc. (SFBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
ServisFirst Bancshares, Inc. (SFBS) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $1.54vs $1.53+0.7% | $159Mvs $162M-1.9% |
| Q1 2026 | Jan 20, 2026 | $1.58vs $1.38+14.5% | $162Mvs $152M+6.8% |
| Q4 2025 | Oct 20, 2025 | $1.30vs $1.34-3.0% | $136Mvs $147M-7.2% |
| Q3 2025 | Jul 21, 2025 | $1.21vs $1.20+0.8% | $132Mvs $148M-10.6% |
ServisFirst Bancshares, Inc. (SFBS) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
ServisFirst Bancshares, Inc. (SFBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ServisFirst Bancshares, Inc. (SFBS) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 227.42M | 262.68M | 287.64M | 338.04M | 384.5M | 470.89M | 410.94M | 446.66M | 535.21M |
| 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 | 262.76M | 326.63M | 390.8M | 389.02M | 416.31M | 559.32M | 813.25M | 946.12M | 990.43M |
| Interest Expense | 35.33M | 63.95M | 103.16M | 50.98M | 31.8M | 88.42M | 402.31M | 499.46M | 455.22M |
| Loan Loss Provision | 23.23M | 21.4M | 22.64M | 42.43M | 31.52M | 37.61M | 18.71M | 21.59M | 35.31M |
| Non-Interest Income | 12.59M | 15.98M | 19.75M | 24.88M | 21.12M | 21.15M | 15.57M | 31M | 27.07M |
| 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 | 79.44M | 88.41M | 97.9M | 106.27M | 120.76M | 145.6M | 163.2M | 177.09M | 184.84M |
| 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 | 44.26M | 31.9M | 37.62M | 44.64M | 45.62M | 57.32M | 37.73M | 51.74M | 65.53M |
| 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) | 93.09M | 136.94M | 149.24M | 169.57M | 207.73M | 251.5M | 206.85M | 227.24M | 276.6M |
| 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) | 1.76 | 2.58 | 2.79 | 3.15 | 3.83 | 4.63 | 3.79 | 4.16 | 5.06 |
| Diluted Shares Outstanding | 54.12M | 54.17M | 54.1M | 54.22M | 54.44M | 54.53M | 54.53M | 54.64M | 54.67M |
ServisFirst Bancshares, Inc. (SFBS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 776.14M | 1.05B | 1.29B | 3.1B | 5.01B | 1.46B | 2.86B | 2.82B | 1.16B |
| Cash & Due from Banks | 238.06M | 458.05M | 530.13M | 2.21B | 4.16B | 814.54M | 2.03B | 2.38B | 95.13M |
| Short Term Investments | 538.08M | 590.18M | 759.4M | 886.69M | 842.57M | 644.82M | 825.93M | 443M | 1.07B |
| Total Investments | 6.34B | 7.06B | 7.95B | 9.28B | 10.72B | 13.22B | 13.39B | 14.33B | 1.07B |
| Investments Growth % | 18.41% | 11.36% | 12.69% | 16.71% | 15.56% | 23.31% | 1.29% | 6.97% | -92.54% |
| Long-Term Investments | 5.8B | 6.47B | 7.19B | 8.39B | 9.88B | 12.58B | 12.57B | 13.88B | 0 |
| Accounts Receivables | 20.66M | 24.07M | 26.26M | 36.84M | 34.83M | 48.42M | 59.18M | 62.79M | 0 |
| Goodwill & Intangibles | 14.72M | 14.45M | 14.18M | 13.91M | 13.64M | 13.62M | 13.62M | 13.62M | 13.62M |
| Goodwill | 0 | 0 | 0 | 0 | 13.6M | 13.62M | 13.62M | 13.62M | 13.62M |
| Intangible Assets | 14.72M | 14.45M | 14.18M | 13.91M | 38K | 0 | 0 | 0 | 0 |
| PP&E (Net) | 58.9M | 57.82M | 56.5M | 54.97M | 60.3M | 59.85M | 59.32M | 59.19M | 60.4M |
| Other Assets | 401.34M | 370.51M | 344.19M | 307.12M | 415.63M | 376.67M | 510.68M | 451.87M | 0 |
| Total Current Assets | 796.8M | 1.07B | 1.32B | 3.13B | 5.04B | 1.51B | 2.92B | 2.88B | 1.16B |
| Total Non-Current Assets | 6.29B | 6.94B | 7.63B | 8.8B | 10.41B | 13.09B | 13.21B | 14.47B | 74.01M |
| 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 | 4.97M | 10.38M | 11.93M | 12.32M | 13.62M | 18.61M | 27.55M | 28.03M | 0 |
| Total Debt | 366.63M | 353.39M | 535.45M | 916.29M | 1.78B | 1.68B | 1.32B | 2.06B | 1.51B |
| Net Debt | 128.57M | -104.66M | 5.33M | -1.29B | -2.39B | 868.99M | -709.05M | -317.12M | 1.41B |
| Long-Term Debt | 64.83M | 64.67M | 64.7M | 64.75M | 64.71M | 64.73M | 64.73M | 64.74M | 34.75M |
| Short-Term Debt | 301.8M | 288.73M | 470.75M | 851.54M | 1.71B | 1.62B | 1.26B | 1.99B | 1.47B |
| Other Liabilities | 11.51M | 12.7M | 27.15M | 35.46M | 53.85M | 48.91M | 66.75M | 104.92M | 15.84B |
| Total Current Liabilities | 6.4B | 7.21B | 8.01B | 10.84B | 14.18B | 13.18B | 14.56B | 15.57B | 4.16B |
| Total Non-Current Liabilities | 76.34M | 77.36M | 91.86M | 100.21M | 118.56M | 113.64M | 131.48M | 169.66M | 15.88B |
| Total Liabilities | 6.47B | 7.29B | 8.1B | 10.94B | 14.3B | 13.3B | 14.69B | 15.73B | 15.88B |
| 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 | 11.23 | 13.20 | 15.58 | 18.31 | 21.16 | 23.80 | 26.41 | 29.59 | 33.85 |
| Tangible BV per Share | 10.95 | 12.94 | 15.31 | 18.06 | 20.91 | 23.55 | 26.16 | 29.34 | 33.60 |
| Common Stock | 53K | 53K | 54K | 54K | 54K | 54K | 54K | 54K | 54K |
| Additional Paid-in Capital | 217.69M | 218.52M | 219.77M | 223.86M | 226.4M | 229.69M | 232.6M | 235.78M | 237.84M |
| Retained Earnings | 389.6M | 500.87M | 616.61M | 748.22M | 911.01M | 1.11B | 1.25B | 1.41B | 1.61B |
| Accumulated OCI | -198K | -4.74M | 5.75M | 20.22M | 14.06M | -42.25M | -47.59M | -32.18M | -1.79M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ServisFirst Bancshares, Inc. (SFBS) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 118.46M | 168.3M | 164.28M | 191.29M | 266.33M | 272.63M | 197.3M | 252.91M | 0 |
| Operating CF Growth % | 20.24% | 42.07% | -2.39% | 16.45% | 39.23% | 2.36% | -27.63% | 28.19% | -100% |
| Net Income | 93.09M | 136.94M | 149.24M | 169.57M | 207.73M | 251.5M | 206.85M | 227.24M | 276.6M |
| Depreciation & Amortization | 2.85M | 3.65M | 3.95M | 4.1M | 4.39M | 4.12M | 4.44M | 4.79M | 0 |
| Deferred Taxes | 14.13M | -14.09M | -1.07M | -9.72M | -5.06M | -2.62M | -1M | -3.35M | 0 |
| Other Non-Cash Items | 26.99M | 28.92M | 19.59M | 41.68M | 66.89M | 57.46M | 29.88M | 29.95M | -276.6M |
| Working Capital Changes | -19.76M | 12.04M | -8.54M | -15.67M | -9.48M | -41.05M | -46.46M | -9.2M | 0 |
| Cash from Investing | -1.04B | -754.47M | -988.35M | -1.41B | -1.56B | -2.64B | -200.43M | -948.53M | 0 |
| Purchase of Investments | -149.02M | -156.81M | -294.08M | -335.23M | -751.58M | -744.9M | -1.06B | -1.2B | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -148.02M | -155.82M | -293.08M | -334.23M | -750.58M | -743.9M | -1.06B | -1.2B | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -966.44M | -692.88M | -828.1M | -1.29B | -1.08B | -2.16B | 16.74M | -959.92M | 0 |
| Cash from Financing | 617.37M | 790.48M | 772.78M | 2.8B | 3.31B | -1.04B | 1.32B | 941.16M | 0 |
| Dividends Paid | -10.1M | -20.26M | -24.12M | -28.29M | -32.58M | -37.53M | -45.77M | -65.47M | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 2.04M | 2.34M | 2.12M | 3.49M | 3.53M | 1.23M | 1.29M | 916K | 0 |
| Net Stock Activity | 2.04M | 2.34M | 2.12M | 3.49M | 3.53M | 1.23M | 1.29M | 916K | 0 |
| Debt Issuance (Net) | 1000K | -200K | 1000K | 40K | 1000K | -1000K | -1000K | 1000K | 0 |
| Other Financing | 617.81M | 808.6M | 612.75M | 2.83B | 2.47B | -907.17M | 1.72B | 268.72M | 0 |
| 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% | -2.38B▼ 1067.9% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 784M | 477.59M | 681.89M | 630.6M | 2.21B | 4.22B | 816.05M | 2.13B | 2.38B |
| Cash at End | 477.59M | 681.89M | 630.6M | 2.21B | 4.22B | 816.05M | 2.13B | 2.38B | 0 |
| Interest Paid | 34.76M | 58.54M | 101.61M | 50.6M | 30.5M | 83.43M | 393.38M | 498.98M | 0 |
| Income Taxes Paid | 42.59M | 30.55M | 42.23M | 50.87M | 56.65M | 68.67M | 53.99M | 44.98M | 0 |
| 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% | 0▼ 100.0% |
| FCF Growth % | 27.51% | 70.59% | -2.46% | 16.72% | 35.93% | 4.71% | -28.1% | 28.38% | -100% |
ServisFirst Bancshares, Inc. (SFBS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 9.75 | 11.23 | 13.2 | 15.58 | 18.31 | 21.16 | 23.8 | 26.41 | 29.59 | 33.85 |
| 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% | - |
ServisFirst Bancshares, Inc. (SFBS) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 20, 2026·SEC
Mar 16, 2026·SEC
Feb 24, 2026·SEC
ServisFirst Bancshares, Inc. (SFBS) stock FAQ — growth, dividends, profitability & financials explained
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).
ServisFirst Bancshares, Inc. (SFBS) has a return on equity (ROE) of 16.0%. This is reasonable for most industries.
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.
ServisFirst Bancshares, Inc. (SFBS) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates