Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.12 | 12.49 | 13.73 | 11.98 | 11.36 | 33.55 | 34.60 | 35.60 | 35.61 | 36.57 | 33.26 | 36.07 | 21.63 | 13.31 | 10.44 | 12.88 | 13.89 | 17.09 | 17.31 | 22.47 | 21.45 |
| — | -62.8% | -60.3% | -66.4% | -68.1% | -8.2% | +4.0% | -1.3% | +64.6% | +174.8% | +218.6% | +179.9% | +55.7% | -22.1% | -39.7% | -42.7% | -35.2% | -15.6% | -6.3% | +39.2% | +100.2% | |
| P/S Ratio | 6.78 | 6.32 | 7.04 | 6.26 | 6.05 | 16.15 | 16.04 | 17.07 | 18.10 | 17.77 | 15.03 | 16.26 | 9.64 | 6.60 | 5.08 | 6.50 | 8.02 | 8.06 | 8.55 | 11.43 | 12.03 |
| — | -60.9% | -56.1% | -63.3% | -66.6% | -9.1% | +6.7% | +5.0% | +87.8% | +169.5% | +196.1% | +150.2% | +20.2% | -18.2% | -40.6% | -43.1% | -33.3% | -20.6% | -3.7% | +38.2% | +109.2% | |
| P/B Ratio | 2.43 | 2.15 | 2.40 | 2.08 | 2.12 | 4.94 | 4.92 | 5.40 | 5.73 | 5.60 | 4.57 | 4.91 | 2.52 | 2.03 | 1.64 | 2.22 | 2.90 | 3.51 | 3.55 | 4.43 | 4.02 |
| — | -56.6% | -51.3% | -61.4% | -63.0% | -11.7% | +7.8% | +9.9% | +127.1% | +175.8% | +179.2% | +120.8% | -12.9% | -42.2% | -53.9% | -49.8% | -27.9% | -7.7% | +2.9% | +36.8% | +82.4% | |
| P/FCF | 11.24 | 14.01 | 7.40 | 14.81 | 10.42 | 15.29 | 32.10 | 48.42 | 33.94 | 27.33 | 36.54 | 34.57 | 10.08 | 60.48 | 14.79 | 13.83 | 13.03 | 15.58 | 19.17 | 18.93 | 16.42 |
| — | -8.3% | -76.9% | -69.4% | -69.3% | -44.0% | -12.1% | +40.1% | +236.6% | -54.8% | +147.1% | +149.9% | -22.6% | +288.3% | -22.9% | -26.9% | -20.7% | +5.5% | +4.4% | +45.9% | +119.5% | |
| EV / EBITDA | 13.93 | 12.30 | 11.44 | 10.38 | 9.89 | 28.21 | 28.21 | 25.17 | 27.79 | 29.26 | 25.08 | 29.87 | 15.10 | 9.15 | 10.01 | 12.74 | 13.60 | 17.56 | 13.44 | 12.06 | 8.94 |
| — | -56.4% | -59.5% | -58.8% | -64.4% | -3.6% | +12.5% | -15.7% | +84.1% | +219.7% | +150.6% | +134.5% | +11.0% | -47.9% | -25.5% | +5.7% | +52.1% | +284.4% | +109.4% | +110.3% | +168.0% | |
| EV / EBIT | 17.25 | 12.30 | 11.44 | 10.51 | 10.01 | 28.62 | 28.59 | 25.56 | 28.17 | 29.85 | 25.51 | 30.41 | 15.48 | 9.31 | 10.17 | 12.93 | 13.75 | 17.80 | 13.62 | 12.24 | 9.10 |
| — | -57.0% | -60.0% | -58.9% | -64.5% | -4.1% | +12.1% | -15.9% | +82.0% | +220.5% | +150.8% | +135.1% | +12.6% | -47.7% | -25.3% | +5.7% | +51.1% | +283.0% | +108.6% | +109.9% | +168.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 93.7% | 91.2% | 93.2% | 93.3% | 95.1% | 93.1% | 91.4% | 95.0% | 95.5% | 95.4% | 95.3% | 95.9% | 96.2% | 96.0% | 93.9% | 96.3% | 93.9% | 88.5% | 92.4% | 95.3% | 91.2% |
| — | -2.0% | +1.9% | -1.8% | -0.4% | -2.5% | -4.1% | -1.0% | -0.7% | -0.6% | +1.5% | -0.4% | +2.4% | +8.5% | +1.6% | +1.1% | +3.0% | -6.2% | +1.9% | +2.9% | -2.3% | |
| Operating Margin | 60.8% | 61.0% | 63.6% | 63.5% | 66.3% | 57.8% | 58.0% | 60.0% | 62.1% | 58.5% | 58.0% | 54.4% | 50.1% | 57.4% | 58.9% | 61.7% | 71.8% | 56.9% | 60.8% | 62.5% | 64.0% |
| — | +5.4% | +9.6% | +5.9% | +6.9% | -1.2% | -0.1% | +10.2% | +23.8% | +2.0% | -1.5% | -11.8% | -30.2% | +0.8% | -3.1% | -1.3% | +12.2% | -7.2% | +0.2% | -2.2% | -7.5% | |
| Net Margin | 49.2% | 50.5% | 50.9% | 52.2% | 53.3% | 48.1% | 46.5% | 48.0% | 51.0% | 48.4% | 45.4% | 44.9% | 44.7% | 49.5% | 48.7% | 50.6% | 57.8% | 47.3% | 49.3% | 50.7% | 55.9% |
| — | +4.9% | +9.5% | +8.8% | +4.5% | -0.7% | +2.3% | +6.8% | +14.1% | -2.1% | -6.7% | -11.2% | -22.8% | +4.6% | -1.3% | -0.2% | +3.5% | -6.0% | +2.9% | -0.7% | +4.2% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.0% | 4.3% | 4.4% | 4.4% | 4.8% | 3.7% | 3.6% | 3.8% | 4.1% | 3.9% | 3.5% | 3.4% | 3.0% | 3.9% | 4.0% | 4.4% | 5.3% | 5.2% | 5.2% | 5.0% | 4.7% |
| — | +16.2% | +21.7% | +14.6% | +16.3% | -3.7% | +3.8% | +12.2% | +38.1% | +0.8% | -11.7% | -22.0% | -44.5% | -26.0% | -24.0% | -11.3% | +12.5% | +8.7% | +9.6% | -2.6% | -9.6% | |
| ROA | 1.6% | 0.5% | 0.5% | 0.5% | 0.5% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.4% | 0.4% |
| — | +27.0% | +37.8% | +31.6% | +26.9% | +1.7% | +3.9% | +11.9% | +47.5% | +7.6% | -9.0% | -21.0% | -45.0% | -24.0% | -13.3% | +6.2% | +33.0% | +19.5% | +7.7% | -10.6% | -18.2% | |
| ROIC | 7.3% | 2.1% | 2.3% | 2.2% | 2.4% | 1.8% | 1.5% | 1.5% | 1.7% | 1.9% | 1.8% | 1.6% | 1.3% | 1.7% | 1.7% | 1.8% | 2.2% | 2.1% | 2.1% | 1.8% | 1.7% |
| — | +17.8% | +47.6% | +44.7% | +38.9% | -5.2% | -14.5% | -5.2% | +37.3% | +11.2% | +3.9% | -11.0% | -42.3% | -21.5% | -16.5% | -1.5% | +28.1% | +3.2% | -8.3% | -25.6% | -37.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.81 | 0.98 | 0.82 | 0.83 | 0.81 | 0.87 | 0.97 | 1.45 | 1.27 | 1.02 | 0.77 | 0.96 | 0.92 | 1.02 | 1.00 | 1.15 | 1.30 | 1.23 | 1.20 | 1.45 | 1.54 |
| — | +12.6% | -15.6% | -43.0% | -36.1% | -14.9% | +25.6% | +52.0% | +38.8% | -0.0% | -23.0% | -17.2% | -29.3% | -16.9% | -16.7% | -20.6% | -15.9% | +1.6% | +14.5% | +53.3% | +67.1% | |
| Debt / EBITDA | 4.34 | 18.96 | 15.06 | 15.47 | 13.83 | 19.42 | 21.43 | 30.17 | 25.58 | 21.77 | 17.15 | 22.84 | 27.29 | 22.78 | 20.72 | 21.52 | 19.79 | 19.60 | 18.74 | 23.61 | 28.34 |
| — | -2.4% | -29.7% | -48.7% | -46.0% | -10.8% | +24.9% | +32.1% | -6.3% | -4.4% | -17.2% | +6.2% | +37.9% | +16.3% | +10.6% | -8.9% | -30.2% | -5.6% | +7.3% | +58.5% | +107.0% | |
| Current Ratio | 0.28 | 0.17 | 1.97 | 0.13 | 0.14 | 0.11 | 0.12 | 0.23 | 0.19 | 0.20 | 0.17 | 0.17 | 0.20 | 0.20 | 0.15 | 0.12 | 0.11 | 0.09 | 0.18 | 0.30 | 0.36 |
| — | +50.6% | +1518.0% | -42.8% | -22.6% | -43.1% | -30.0% | +34.5% | -7.6% | +2.0% | +18.4% | +45.7% | +75.1% | +122.2% | -17.5% | -61.0% | -67.8% | -77.0% | -49.2% | -8.9% | +23.0% | |
| Quick Ratio | 0.28 | 0.17 | 1.97 | 0.13 | 0.14 | 0.11 | 0.12 | 0.23 | 0.19 | 0.20 | 0.17 | 0.17 | 0.20 | 0.20 | 0.15 | 0.12 | 0.11 | 0.09 | 0.18 | 0.30 | 0.36 |
| — | +50.6% | +1518.0% | -42.8% | -22.6% | -43.1% | -30.0% | +34.5% | -7.6% | +2.0% | +18.4% | +45.7% | +75.1% | +122.2% | -17.5% | -61.0% | -67.8% | -77.0% | -49.2% | -8.9% | +23.0% | |
| Interest Coverage | 0.75 | 1.08 | 1.14 | 1.08 | 1.03 | 0.67 | 0.67 | 0.67 | 0.66 | 0.54 | 0.55 | 0.49 | 0.37 | 0.55 | 0.73 | 0.97 | 1.76 | 3.37 | 7.51 | 9.52 | 7.89 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying SFBS stock.
ServisFirst Bancshares, Inc.'s current P/E is 13.1x. The average P/E over the last 4 quarters is 12.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
ServisFirst Bancshares, Inc.'s current operating margin is 60.8%. Margins have been compressing 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.