Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
ServisFirst Bancshares, Inc.'s quarterly P/E stands at 11.4x, down 36.2% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 7.5% YoY to 12.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.75 | 11.36 | 16.78 | 17.30 | 17.80 | 17.80 | 18.28 | 16.63 | 18.03 | 21.63 | 13.31 | 10.44 | 12.88 |
| — | -36.2% | -8.2% | +4.0% | -1.3% | -17.7% | +37.4% | +59.3% | +40.0% | +55.7% | -22.1% | -39.7% | -42.7% | |
| P/S Ratio | 4.28 | 3.67 | 4.33 | 4.29 | 4.51 | 4.66 | 4.28 | 3.65 | 3.84 | 4.10 | 3.21 | 2.81 | 3.97 |
| — | -21.1% | +1.1% | +17.5% | +17.4% | +13.6% | +33.3% | +29.7% | -3.2% | -28.0% | -53.4% | -64.4% | -63.0% | |
| P/B Ratio | 2.35 | 2.12 | 2.47 | 2.46 | 2.70 | 2.86 | 2.80 | 2.28 | 2.45 | 2.52 | 2.03 | 1.64 | 2.22 |
| — | -25.9% | -11.7% | +7.8% | +9.9% | +13.5% | +37.9% | +39.6% | +10.4% | -12.9% | -42.2% | -53.9% | -49.8% | |
| P/FCF | — | — | 7.64 | 16.05 | 24.21 | 16.97 | 13.66 | 18.27 | 17.29 | 10.08 | 60.48 | 14.79 | 13.83 |
| — | — | -44.0% | -12.1% | +40.1% | +68.3% | -77.4% | +23.5% | +24.9% | -22.6% | +288.3% | -22.9% | -26.9% | |
| EV / EBITDA | 16.85 | 12.40 | 14.45 | 14.57 | 11.16 | 13.40 | 14.38 | 12.35 | 15.20 | 15.10 | 9.15 | 10.01 | 12.74 |
| — | -7.5% | +0.5% | +17.9% | -26.6% | -11.2% | +57.1% | +23.4% | +19.3% | +11.0% | -47.9% | -25.5% | +5.7% | |
| EV / EBIT | 16.85 | 12.40 | 14.65 | 14.76 | 11.33 | 13.59 | 14.67 | 12.56 | 15.47 | 15.48 | 9.31 | 10.17 | 12.93 |
| — | -8.8% | -0.1% | +17.5% | -26.8% | -12.2% | +57.5% | +23.5% | +19.6% | +12.6% | -47.7% | -25.3% | +5.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
ServisFirst Bancshares, Inc.'s operating margin was 40.3% in Q4 2025, up 9.3 pp QoQ and up 8.4 pp YoY. The trailing four-quarter average of 33.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 17.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.8% | 57.8% | 49.9% | 48.9% | 50.2% | 49.2% | 46.0% | 46.3% | 45.4% | 40.9% | 46.8% | 52.0% | 58.8% |
| — | +17.5% | +8.5% | +5.7% | +10.7% | +20.2% | -1.7% | -11.1% | -22.9% | -38.6% | -38.2% | -39.1% | -34.2% | |
| Operating Margin | 33.6% | 40.3% | 31.0% | 31.0% | 31.7% | 31.9% | 28.2% | 28.2% | 25.7% | 21.3% | 28.0% | 32.6% | 37.7% |
| — | +26.2% | +9.9% | +10.1% | +23.2% | +49.8% | +0.9% | -13.7% | -31.8% | -58.2% | -42.6% | -42.0% | -35.7% | |
| Net Margin | 27.2% | 32.3% | 25.8% | 24.9% | 25.4% | 26.2% | 23.4% | 22.1% | 21.2% | 19.0% | 24.1% | 27.0% | 30.9% |
| — | +23.4% | +10.5% | +12.7% | +19.4% | +38.1% | -3.1% | -18.2% | -31.3% | -53.7% | -40.4% | -40.9% | -35.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.0% | 4.8% | 3.7% | 3.6% | 3.8% | 4.1% | 3.9% | 3.5% | 3.4% | 3.0% | 3.9% | 4.0% | 4.4% |
| — | +16.3% | -3.7% | +3.8% | +12.2% | +38.1% | +0.8% | -11.7% | -22.0% | -44.5% | -26.0% | -24.0% | -11.3% | |
| ROA | 1.6% | 0.5% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% |
| — | +26.9% | +1.7% | +3.9% | +11.9% | +47.5% | +7.6% | -9.0% | -21.0% | -45.0% | -24.0% | -13.3% | +6.2% | |
| ROIC | 7.3% | 2.4% | 1.8% | 1.5% | 1.5% | 1.7% | 1.9% | 1.8% | 1.6% | 1.3% | 1.7% | 1.7% | 1.8% |
| — | +38.9% | -5.2% | -14.5% | -5.2% | +37.3% | +11.2% | +3.9% | -11.0% | -42.3% | -21.5% | -16.5% | -1.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
ServisFirst Bancshares, Inc.'s Debt/EBITDA ratio is 14.0x, down from 19.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 51.3% YoY to 0.28x, strengthening the short-term liquidity position. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.81 | 0.81 | 0.87 | 0.97 | 1.45 | 1.27 | 1.02 | 0.77 | 0.96 | 0.92 | 1.02 | 1.00 | 1.15 |
| — | -36.1% | -14.9% | +25.6% | +52.0% | +38.8% | -0.0% | -23.0% | -17.2% | -29.3% | -16.9% | -16.7% | -20.6% | |
| Debt / EBITDA | 4.40 | 14.00 | 19.42 | 21.43 | 30.17 | 25.58 | 21.77 | 17.15 | 22.84 | 27.29 | 22.78 | 20.72 | 21.52 |
| — | -45.3% | -10.8% | +24.9% | +32.1% | -6.3% | -4.4% | -17.2% | +6.2% | +37.9% | +16.3% | +10.6% | -8.9% | |
| Current Ratio | 0.28 | 0.28 | 0.11 | 0.12 | 0.23 | 0.19 | 0.20 | 0.17 | 0.17 | 0.20 | 0.20 | 0.15 | 0.12 |
| — | +51.3% | -43.1% | -30.0% | +34.5% | -7.6% | +2.0% | +18.4% | +45.7% | +75.1% | +122.2% | -17.5% | -61.0% | |
| Quick Ratio | 0.28 | 0.28 | 0.11 | 0.12 | 0.23 | 0.19 | 0.20 | 0.17 | 0.17 | 0.20 | 0.20 | 0.15 | 0.12 |
| — | +51.3% | -43.1% | -30.0% | +34.5% | -7.6% | +2.0% | +18.4% | +45.7% | +75.1% | +122.2% | -17.5% | -61.0% | |
| Interest Coverage | 0.75 | 1.03 | 0.67 | 0.67 | 0.67 | 0.66 | 0.54 | 0.55 | 0.49 | 0.37 | 0.55 | 0.73 | 0.97 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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ServisFirst Bancshares, Inc.'s current P/E is 15.7x. The average P/E over the last 4 quarters is 15.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
ServisFirst Bancshares, Inc.'s current operating margin is 33.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking ServisFirst Bancshares, Inc.'s business trajectory between earnings reports.