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Earnings transcript
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SFBS
ServisFirst Bancshares, Inc.
$79.26
1.06
(1.36%)
| Exchange: | NYSE |
| Market Cap: | 4.333B |
| Shares Outstanding: | 32M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Thomas Ashford Broughton | |||||
| Full Time Employees: | 636 | |||||
| Address: |
| |||||
| Website: | https://www.servisfirstbank.com |
ServisFirst Bancshares, Inc. operates as the parent entity for ServisFirst Bank, providing a comprehensive range of financial solutions to both individual consumers and corporate clients. Its deposit offerings encompass checking, savings, money market, and individual retirement accounts, in addition to certificates of deposit. The company extends diverse lending options, including commercial credit facilities for working capital, business expansion, and the acquisition of property, plant, and equipment, alongside commercial lines of credit. It also finances commercial and residential real estate, as well as construction and development ventures. For individuals, consumer loans cover home equity, vehicle purchases, and both secured and unsecured personal financing. Beyond these core services, ServisFirst Bancshares offers modern conveniences such as telephone and mobile banking, direct deposit, online banking, ATMs, debit cards, and Visa credit cards. Specialized services include treasury and cash management, wire transfers, night depository, banking-by-mail, remote capture, and correspondent banking for other financial institutions. The company also manages its subsidiary’s participations in residential mortgages and commercial real estate loans originated across Alabama, Florida, Georgia, and Tennessee. Founded in 2005 and based in Birmingham, Alabama, ServisFirst Bancshares maintains 23 full-service branches throughout Alabama, Florida, Georgia, South Carolina, and Tennessee, complemented by two loan production offices located in Florida.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 828,816 | 977,118 | 1,017,494 |
| Gross Profit | 407,792 | 456,069 | 526,965 |
| EBITDA | 249,024 | 283,767 | 342,130 |
| Operating Income | 244,588 | 278,982 | 342,130 |
| Net Income | 206,853 | 227,242 | 276,603 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 16,129,668 | 17,351,643 | 17,727,190 |
| Total Liabilities | 14,689,263 | 15,734,871 | 15,876,843 |
| Total Stockholders Equity | 1,439,905 | 1,616,272 | 1,849,847 |
| Total Debt | 1,321,459 | 2,058,471 | 1,506,378 |
| Cash and Cash Equivalents | 2,030,513 | 2,375,589 | 95,127 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 197,296 | 252,915 | 0 |
| Capital Expenditure | -3,910 | -4,646 | 0 |
| Free Cash Flow | 193,386 | 248,269 | 0 |
| Net Income | 206,853 | 227,242 | 276,603 |
| Net Change in Cash | 1,315,035 | 245,546 | -2,376,634 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 739,395.563 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 779,775.102 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 759,585.333 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 303,960.896 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 320,560.672 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 312,260.784 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 380,892.737 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 402,657.568 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 392,161 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 96,402.250 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 101,666.926 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 99,034.588 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 7.170 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 7.370 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 6.970 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: ServisFirst Bancshares reported strong net income and EPS growth in the latest Q2 2025 earnings call, reflecting robust operational efficiency. Key metrics such as roeTTM and netProfitMarginTTM indicate a competitive edge in profitability within the banking sector.
- Healthy Balance Sheet: Data from the balance sheet shows a strong position with significant cashAndCashEquivalents and a manageable debtToEquityRatioTTM, providing financial flexibility for future investments or economic downturns.
- Consistent Dividend Yield: The dividendYieldTTM and history of netDividendsPaid from cash flow statements demonstrate a commitment to shareholder returns, appealing to income-focused investors.
- Positive Industry Positioning: Performance metrics (perf1y, perf5y) show SFBS outperforming industry averages in certain periods, supported by a stable sectorName environment as indicated by sector_perf data.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates SFBS intrinsic value between $66.85 – $77.05 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about SFBS valuation
Is ServisFirst Bancshares, Inc. (SFBS) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for ServisFirst Bancshares, Inc. (SFBS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SFBS a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SFBS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SFBS’s P/E ratio?
You can see SFBS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SFBS?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SFBS a good long-term investment?
Whether SFBS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SFBS
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.36
Trading Metrics:
| Open: | 78.81 | Previous Close: | 78.2 | |
| Day Low: | 78.81 | Day High: | 80.78 | |
| Year Low: | 67.2 | Year High: | 90.64 | |
| Price Avg 50: | 77.28 | Price Avg 200: | 77.79 | |
| Volume: | 143620 | Average Volume: | 295661 |
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Login — it's freeSFBS full analysis
Welcome to MARKETSNAP’s SWOT analysis for ServisFirst Bancshares, a regional banking player that might not be on everyone’s radar but definitely deserves a closer look. If you’re a long-term investor hunting for solid opportunities in the financial sector, stick around as we break down the strengths, weaknesses, opportunities, and threats for this company. We’ll dive into their recent performance, key financials, and what’s been buzzing in the news to give you a full picture of whether this stock fits your…
