ServisFirst Bancshares, Inc.
NYSE•SFBS
CEO: Mr. Thomas Ashford Broughton III
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2014-05-14
ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. It accepts demand, time, savings, and other deposits; checking, money market, and IRA accounts; and certificates of deposit. The company's loan products include commercial lending products, including seasonal, bridge, and term loans for working capital, expansion of the business, acquisition of property, and plant and equipment, as well as commercial lines of credit; commercial real estate loans, construction and development loans, and residential real estate loans; and consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans. It also offers other banking products and services comprising telephone and mobile banking, Internet banking, direct deposit, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit and credit card systems; treasury and cash management services; wire transfer, night depository, banking-by-mail, and remote capture services; and correspondent banking services to other financial institutions. In addition, the company holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. The company was founded in 2005 and is headquartered in Birmingham, Alabama.
Contact Information
Market Cap
$4.31B
P/E (TTM)
15.6
14.5
Dividend Yield
1.8%
52W High
$90.64
52W Low
$66.48
52W Range
Rank38Top 36.9%
4.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$267.07M+7.41%
4-Quarter Trend
EPS
$1.58+32.77%
4-Quarter Trend
FCF
$94.22M-100.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Strong Profitability Growth Net income available to common stockholders reached $276.5M, marking a 21.7% increase year-over-year, with ROAA at 1.56%.
Net Interest Margin Widens NIM expanded 30 basis points to 3.12% in 2025, driven by favorable liability repricing relative to earning asset yields.
Significant Efficiency Improvement Efficiency ratio improved substantially to 32.89% from 37.60% in 2024, reflecting successful management of noninterest expenses.
Robust Loan Portfolio Expansion Total loans grew 8.7% to $13.70B, supported by strong organic deposit base growth reaching $14.22B.
Risk Factors
Nonaccrual Ratio Spikes Nonaccrual loans jumped to 1.23% of total loans (up from 0.31%), primarily due to the impact of one large real estate relationship.
Credit Loss Provision Rises Provision for credit losses increased 63.6% to $35.3M, reflecting higher net charge-offs of $28.1M for the year.
Interest Rate Sensitivity Exposure Liability-sensitive position suggests potential net interest income decrease if funding costs rise faster than earning asset yields.
Real Estate Concentration High Real estate mortgage loans constitute 65.8% of the total loan portfolio, increasing exposure to property market fluctuations.
Outlook
Capital Ratios Remain Strong Consolidated CET1 ratio of 11.65% significantly exceeds the 6.50% well-capitalized requirement, providing ample regulatory buffer.
Credit Quality Under Scrutiny Management will maintain close monitoring of the loan portfolio, especially real estate, following the sharp increase in NPLs.
Regulatory Compliance Costs Ongoing compliance costs expected due to extensive federal banking laws and evolving regulatory requirements impacting operations.
Focus on Organic Growth Strategy emphasizes continued organic loan and deposit growth while managing operational expenses effectively to sustain margins.
Peer Comparison
Revenue (TTM)
$8.75B
$4.42B
$2.91B
Gross Margin (Latest Quarter)
100.0%
78.6%
76.2%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| WBS | $11.14B | 11.0 | 10.7% | 5.1% |
| CADE | $7.85B | 14.7 | 9.1% | 4.1% |
| AX | $5.00B | 11.0 | 16.6% | 4.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.3%
Moderate Growth
4Q Net Income CAGR
11.0%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 20, 2026
EPS:$1.53
|Revenue:$162.07M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data