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SFBS logoServisFirst Bancshares, Inc.(SFBS)Earnings, Financials & Key Ratios

SFBS•NYSE•Banking & Credit
$79.60
$4.35B mkt cap·15.7× P/E·Price updated May 6, 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%
  • Tangible BV/Share33.60+14.5%
  • Debt/Equity0.81-36.1%
Technical→

SFBS Key Insights

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

✓Strengths

  • ✓Efficient operations: 18.2% efficiency ratio
  • ✓10 consecutive years of dividend growth
  • ✓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.

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
EPS
$1.54
Est $1.53
+0.7%
Revenue
$159M
Est $162M
-1.9%
Q1 2026
Jan 20, 2026
EPS
$1.58
Est $1.38
+14.5%
Revenue
$162M
Est $152M
+6.8%
Q4 2025
Oct 20, 2025
EPS
$1.30
Est $1.34
-3.0%
Revenue
$136M
Est $147M
-7.2%
Q3 2025
Jul 21, 2025
EPS
$1.21
Est $1.20
+0.8%
Revenue
$132M
Est $148M
-10.6%
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
IBCP logoIBCPIndependent Bank CorporationDirect Competitor690.04M33.5210.25-0.3%21.73%14.2%10.17%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.58B32.2220.6518.79%30.24%13.25%6.39%0.12
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.26B26.7013.289.47%27.7%10.86%8.03%0.30
UMBF logoUMBFUMB Financial CorporationDirect Competitor9.98B131.0614.3568.52%15.81%11.67%9.8%0.49
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.79B20.5413.51-2.33%32.53%9.25%7.79%0.43
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.38B134.7616.5610.4%15.57%8.91%13.78%0.80
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.79B71.8514.12-3.05%21.14%10.65%5.64%0.11
CADE logoCADECadence BankProduct Competitor7.85B42.1115.2032.37%18.03%8.72%9.9%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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income227.42M262.68M287.64M338.04M384.5M470.89M410.94M446.66M535.21M
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 Income262.76M326.63M390.8M389.02M416.31M559.32M813.25M946.12M990.43M
Interest Expense35.33M63.95M103.16M50.98M31.8M88.42M402.31M499.46M455.22M
Loan Loss Provision23.23M21.4M22.64M42.43M31.52M37.61M18.71M21.59M35.31M
Non-Interest Income12.59M15.98M19.75M24.88M21.12M21.15M15.57M31M27.07M
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 Expense79.44M88.41M97.9M106.27M120.76M145.6M163.2M177.09M184.84M
Efficiency Ratio28.85%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 Tax44.26M31.9M37.62M44.64M45.62M57.32M37.73M51.74M65.53M
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 Outstanding54.12M54.17M54.1M54.22M54.44M54.53M54.53M54.64M54.67M

SFBS Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments776.14M1.05B1.29B3.1B5.01B1.46B2.86B2.82B1.16B
Cash & Due from Banks238.06M458.05M530.13M2.21B4.16B814.54M2.03B2.38B95.13M
Short Term Investments538.08M590.18M759.4M886.69M842.57M644.82M825.93M443M1.07B
Total Investments6.34B7.06B7.95B9.28B10.72B13.22B13.39B14.33B1.07B
Investments Growth %18.41%11.36%12.69%16.71%15.56%23.31%1.29%6.97%-92.54%
Long-Term Investments5.8B6.47B7.19B8.39B9.88B12.58B12.57B13.88B0
Accounts Receivables20.66M24.07M26.26M36.84M34.83M48.42M59.18M62.79M0
Goodwill & Intangibles14.72M14.45M14.18M13.91M13.64M13.62M13.62M13.62M13.62M
Goodwill000013.6M13.62M13.62M13.62M13.62M
Intangible Assets14.72M14.45M14.18M13.91M38K0000
PP&E (Net)58.9M57.82M56.5M54.97M60.3M59.85M59.32M59.19M60.4M
Other Assets401.34M370.51M344.19M307.12M415.63M376.67M510.68M451.87M0
Total Current Assets796.8M1.07B1.32B3.13B5.04B1.51B2.92B2.88B1.16B
Total Non-Current Assets6.29B6.94B7.63B8.8B10.41B13.09B13.21B14.47B74.01M
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 Payable4.97M10.38M11.93M12.32M13.62M18.61M27.55M28.03M0
Total Debt366.63M353.39M535.45M916.29M1.78B1.68B1.32B2.06B1.51B
Net Debt128.57M-104.66M5.33M-1.29B-2.39B868.99M-709.05M-317.12M1.41B
Long-Term Debt64.83M64.67M64.7M64.75M64.71M64.73M64.73M64.74M34.75M
Short-Term Debt301.8M288.73M470.75M851.54M1.71B1.62B1.26B1.99B1.47B
Other Liabilities11.51M12.7M27.15M35.46M53.85M48.91M66.75M104.92M15.84B
Total Current Liabilities6.4B7.21B8.01B10.84B14.18B13.18B14.56B15.57B4.16B
Total Non-Current Liabilities76.34M77.36M91.86M100.21M118.56M113.64M131.48M169.66M15.88B
Total Liabilities6.47B7.29B8.1B10.94B14.3B13.3B14.69B15.73B15.88B
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 Share11.2313.2015.5818.3121.1623.8026.4129.5933.85
Tangible BV per Share10.9512.9415.3118.0620.9123.5526.1629.3433.60
Common Stock53K53K54K54K54K54K54K54K54K
Additional Paid-in Capital217.69M218.52M219.77M223.86M226.4M229.69M232.6M235.78M237.84M
Retained Earnings389.6M500.87M616.61M748.22M911.01M1.11B1.25B1.41B1.61B
Accumulated OCI-198K-4.74M5.75M20.22M14.06M-42.25M-47.59M-32.18M-1.79M
Treasury Stock000000000
Preferred Stock000000000

SFBS Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations118.46M168.3M164.28M191.29M266.33M272.63M197.3M252.91M0
Operating CF Growth %20.24%42.07%-2.39%16.45%39.23%2.36%-27.63%28.19%-100%
Net Income93.09M136.94M149.24M169.57M207.73M251.5M206.85M227.24M276.6M
Depreciation & Amortization2.85M3.65M3.95M4.1M4.39M4.12M4.44M4.79M0
Deferred Taxes14.13M-14.09M-1.07M-9.72M-5.06M-2.62M-1M-3.35M0
Other Non-Cash Items26.99M28.92M19.59M41.68M66.89M57.46M29.88M29.95M-276.6M
Working Capital Changes-19.76M12.04M-8.54M-15.67M-9.48M-41.05M-46.46M-9.2M0
Cash from Investing-1.04B-754.47M-988.35M-1.41B-1.56B-2.64B-200.43M-948.53M0
Purchase of Investments-149.02M-156.81M-294.08M-335.23M-751.58M-744.9M-1.06B-1.2B0
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K0
Net Investment Activity-148.02M-155.82M-293.08M-334.23M-750.58M-743.9M-1.06B-1.2B0
Acquisitions000000000
Other Investing-966.44M-692.88M-828.1M-1.29B-1.08B-2.16B16.74M-959.92M0
Cash from Financing617.37M790.48M772.78M2.8B3.31B-1.04B1.32B941.16M0
Dividends Paid-10.1M-20.26M-24.12M-28.29M-32.58M-37.53M-45.77M-65.47M0
Share Repurchases000000000
Stock Issued2.04M2.34M2.12M3.49M3.53M1.23M1.29M916K0
Net Stock Activity2.04M2.34M2.12M3.49M3.53M1.23M1.29M916K0
Debt Issuance (Net)1000K-200K1000K40K1000K-1000K-1000K1000K0
Other Financing617.81M808.6M612.75M2.83B2.47B-907.17M1.72B268.72M0
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 Effect000000000
Cash at Beginning784M477.59M681.89M630.6M2.21B4.22B816.05M2.13B2.38B
Cash at End477.59M681.89M630.6M2.21B4.22B816.05M2.13B2.38B0
Interest Paid34.76M58.54M101.61M50.6M30.5M83.43M393.38M498.98M0
Income Taxes Paid42.59M30.55M42.23M50.87M56.65M68.67M53.99M44.98M0
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%

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 Margin2.94%3.21%3.28%3.21%2.83%2.49%3.23%2.55%2.57%3.02%
Efficiency Ratio32.77%28.85%25.81%23.85%25.68%27.61%25.08%19.69%18.12%18.17%
Equity / Assets8.21%8.58%8.93%9.42%8.32%7.46%8.89%8.93%9.32%10.44%
Book Value / Share9.7511.2313.215.5818.3121.1623.826.4129.5933.85
NII Growth15.3%21.55%15.5%9.5%17.52%13.75%22.47%-12.73%8.69%19.82%
Dividend Payout9.64%10.79%14.75%16.12%16.65%15.65%14.9%22.1%28.79%-

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

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.

Explore More SFBS

ServisFirst Bancshares, Inc. (SFBS) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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