ServisFirst Bancshares, Inc. (SFBS) Financial Ratios
19 years of historical data (2007–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
16.98
↑+29% vs avg
5yr avg: 13.20
30Y Low4.1·High16.9
P/FCF
↓
12.59
↓-22% vs avg
5yr avg: 16.13
30Y Low10.4·High26.3
P/B Ratio
↓
2.38
↓-18% vs avg
5yr avg: 2.88
30Y Low2.0·High4.0
ROE
↓
16.0%
-7% vs avg
5yr avg: 17.2%
30Y Low6%·High21%
Debt/EBITDA
↓
4.40
↓-25% vs avg
5yr avg: 5.85
30Y Low0.0·High7.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SFBS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
ServisFirst Bancshares, Inc. trades at 15.9x earnings, 11% below its 5-year average of 17.9x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 17%. On a free-cash-flow basis, the stock trades at 12.6x P/FCF, 22% below the 5-year average of 16.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $4.4B | $3.9B | $4.6B | $3.6B | $3.8B | $4.6B | $2.2B | $2.0B | $1.7B | $2.2B | $2.0B |
| Enterprise Value | $5.8B | $5.3B | $4.3B | $2.9B | $4.6B | $2.2B | $891M | $2.0B | $1.6B | $2.4B | $1.8B |
| P/E Ratio → | 15.90 | 14.19 | 20.37 | 17.58 | 14.95 | 22.24 | 12.87 | 13.65 | 12.60 | 24.13 | 24.63 |
| P/S Ratio | 4.32 | 3.86 | 4.74 | 4.38 | 6.47 | 10.57 | 5.28 | 4.97 | 5.04 | 8.16 | 8.99 |
| P/B Ratio | 2.38 | 2.12 | 2.86 | 2.52 | 2.90 | 4.01 | 2.20 | 2.42 | 2.41 | 3.70 | 3.84 |
| P/FCF | 12.59 | 11.24 | 18.65 | 18.79 | 13.97 | 18.00 | 11.56 | 12.59 | 10.40 | 23.08 | 26.30 |
| P/OCF | 12.38 | 11.05 | 18.31 | 18.42 | 13.78 | 17.36 | 11.42 | 12.41 | 10.26 | 18.96 | 20.37 |
P/E links to full P/E history page with 30-year chart
SFBS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
ServisFirst Bancshares, Inc.'s enterprise value stands at 17.0x EBITDA, 29% above its 5-year average of 13.2x. The Financial Services sector median is 11.4x, placing the stock at a 49% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.24 | 4.41 | 3.53 | 7.97 | 5.11 | 2.15 | 4.98 | 4.73 | 8.62 | 8.04 |
| EV / EBITDA | 16.98 | 15.60 | 15.20 | 11.74 | 14.79 | 8.68 | 4.08 | 10.71 | 9.40 | 16.94 | 15.76 |
| EV / EBIT | 16.98 | 15.60 | 15.46 | 11.96 | 14.98 | 8.83 | 4.16 | 10.94 | 9.61 | 17.29 | 16.20 |
| EV / FCF | — | 15.28 | 17.37 | 15.12 | 17.20 | 8.71 | 4.72 | 12.62 | 9.77 | 24.40 | 23.52 |
SFBS Profitability
Margins and return-on-capital ratios measuring operating efficiency
ServisFirst Bancshares, Inc. earns an operating margin of 33.6%, above the Financial Services sector average of 20.3%. Operating margins have expanded from 29.5% to 33.6% over the past 3 years, signaling improving operational efficiency. ROE of 16.0% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 7.3% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.8% | 51.8% | 46.7% | 49.2% | 78.3% | 85.5% | 77.4% | 69.4% | 75.1% | 78.7% | 82.4% |
| Operating Margin | 33.6% | 33.6% | 28.6% | 29.5% | 53.2% | 57.9% | 51.8% | 45.5% | 49.3% | 49.9% | 49.7% |
| Net Profit Margin | 27.2% | 27.2% | 23.3% | 25.0% | 43.3% | 47.5% | 41.0% | 36.4% | 40.0% | 33.8% | 36.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.0% | 16.0% | 14.9% | 15.1% | 20.5% | 19.4% | 18.5% | 19.2% | 20.7% | 16.5% | 16.8% |
| ROA | 1.6% | 1.6% | 1.4% | 1.3% | 1.7% | 1.5% | 1.6% | 1.8% | 1.8% | 1.4% | 1.4% |
| ROIC | 7.3% | 7.3% | 6.5% | 6.4% | 7.8% | 7.9% | 9.8% | 11.5% | 12.4% | 10.8% | 9.3% |
| ROCE | 4.5% | 4.5% | 16.6% | 16.4% | 23.0% | 21.4% | 21.1% | 21.6% | 22.9% | 21.6% | 20.0% |
SFBS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
ServisFirst Bancshares, Inc. carries a Debt/EBITDA ratio of 4.4x, which is highly leveraged (roughly in line with the sector average of 4.3x). Net debt stands at $1.4B ($1.5B total debt minus $95M cash). Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.81 | 0.81 | 1.27 | 0.92 | 1.30 | 1.54 | 0.92 | 0.64 | 0.49 | 0.60 | 0.79 |
| Debt / EBITDA | 4.40 | 4.40 | 7.25 | 5.31 | 5.38 | 6.89 | 4.20 | 2.81 | 2.05 | 2.62 | 3.61 |
| Net Debt / Equity | — | 0.76 | -0.20 | -0.49 | 0.67 | -2.07 | -1.30 | 0.01 | -0.15 | 0.21 | -0.41 |
| Net Debt / EBITDA | 4.12 | 4.12 | -1.12 | -2.85 | 2.78 | -9.26 | -5.92 | 0.03 | -0.61 | 0.92 | -1.86 |
| Debt / FCF | — | 4.04 | -1.28 | -3.67 | 3.23 | -9.29 | -6.84 | 0.03 | -0.63 | 1.32 | -2.78 |
| Interest Coverage | 0.75 | 0.75 | 0.56 | 0.61 | 3.49 | 7.97 | 4.20 | 1.81 | 2.64 | 3.89 | 4.29 |
SFBS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.28x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.20x to 0.28x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.28 | 0.28 | 0.19 | 0.20 | 0.11 | 0.36 | 0.29 | 0.16 | 0.15 | 0.12 | 0.18 |
| Quick Ratio | 0.28 | 0.28 | 0.19 | 0.20 | 0.11 | 0.36 | 0.29 | 0.16 | 0.15 | 0.12 | 0.18 |
| Cash Ratio | 0.02 | 0.02 | 0.15 | 0.14 | 0.06 | 0.29 | 0.20 | 0.07 | 0.06 | 0.04 | 0.11 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.03 | 0.03 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SFBS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
ServisFirst Bancshares, Inc. returns 1.7% to shareholders annually primarily through dividends. The payout ratio of 26.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.7% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 26.5% | 26.5% | 28.8% | 22.1% | 14.9% | 15.7% | 16.6% | 16.1% | 14.7% | 10.8% | 9.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.3% | 7.0% | 4.9% | 5.7% | 6.7% | 4.5% | 7.8% | 7.3% | 7.9% | 4.1% | 4.1% |
| FCF Yield | 7.9% | 8.9% | 5.4% | 5.3% | 7.2% | 5.6% | 8.7% | 7.9% | 9.6% | 4.3% | 3.8% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $55M | $55M | $55M | $55M | $54M | $54M | $54M | $54M | $54M | $54M |
Peer Comparison
Compare SFBS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SFBSYou | $4B | 15.9 | 17.0 | 12.6 | 51.8% | 33.6% | 16.0% | 7.3% | 4.4 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 HOMB | $5B | 11.5 | 9.3 | 11.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 UMBF | $10B | 14.6 | 12.2 | 10.4 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BOKF | $8B | 14.2 | 13.7 | 13.8 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 CADE | $8B | 15.2 | 7.0 | 10.1 | 59.3% | 23.3% | 9.8% | 6.7% | 0.0 |
 BANF | $4B | 15.6 | 11.3 | 15.9 | 82.9% | 36.8% | 13.8% | 12.3% | 0.4 |
 IBOC | $5B | 11.1 | 8.7 | 9.2 | 78.3% | 49.4% | 13.6% | 10.5% | 1.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
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Includes 30+ ratios · 19 years · Updated daily
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SFBS — Frequently Asked Questions
Quick answers to the most common questions about buying SFBS stock.
What is ServisFirst Bancshares, Inc.'s P/E ratio?
ServisFirst Bancshares, Inc.'s current P/E ratio is 15.9x. The historical average is 17.7x. This places it at the 50th percentile of its historical range.
What is ServisFirst Bancshares, Inc.'s EV/EBITDA?
ServisFirst Bancshares, Inc.'s current EV/EBITDA is 17.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.4x.
What is ServisFirst Bancshares, Inc.'s ROE?
ServisFirst Bancshares, Inc.'s return on equity (ROE) is 16.0%. The historical average is 15.4%.
Is SFBS stock overvalued?
Based on historical data, ServisFirst Bancshares, Inc. is trading at a P/E of 15.9x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is ServisFirst Bancshares, Inc.'s dividend yield?
ServisFirst Bancshares, Inc.'s current dividend yield is 1.66% with a payout ratio of 26.5%.
What are ServisFirst Bancshares, Inc.'s profit margins?
ServisFirst Bancshares, Inc. has 51.8% gross margin and 33.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does ServisFirst Bancshares, Inc. have?
ServisFirst Bancshares, Inc.'s Debt/EBITDA ratio is 4.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.