ServisFirst Bancshares, Inc.
NYSE•SFBS
CEO: Mr. Thomas Ashford Broughton III
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
時価総額
$4.30B
PER (TTM)
15.6
14.1
配当利回り
1.8%
52週高値
$90.64
52週安値
$66.48
52週レンジ
順位38Top 36.9%
4.3
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.3 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$267.07M+7.41%
直近4四半期の推移
EPS
$1.58+32.77%
直近4四半期の推移
フリーCF
$94.22M-100.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
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.
リスク要因
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.
見通し
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.
同業比較
売上高 (TTM)
$9.70B
$4.42B
$2.91B
粗利益率 (最新四半期)
100.0%
78.6%
76.2%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| WBS | $11.62B | 11.5 | 10.7% | 5.1% |
| CADE | $7.85B | 14.7 | 9.1% | 4.1% |
| IFS | $5.70B | 10.1 | 16.3% | 12.9% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.3%
緩やかな成長
4四半期純利益CAGR
11.0%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月20日
EPS:$1.53
|売上高:$162.07M
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし