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 → | 15.90 | 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 | 4.32 | 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 | 2.38 | 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 | 12.59 | 10.42 | 7.64 | 16.05 | 24.21 | 16.97 | 13.66 | 18.27 | 17.29 | 10.08 | 60.48 | 14.79 | 13.83 |
| — | -38.6% | -44.0% | -12.1% | +40.1% | +68.3% | -77.4% | +23.5% | +24.9% | -22.6% | +288.3% | -22.9% | -26.9% | |
| EV / EBITDA | 16.98 | 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 | 16.98 | 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
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying SFBS stock.
ServisFirst Bancshares, Inc.'s current P/E is 15.9x. 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.