ServisFirst Bancshares, Inc.
NYSE•SFBS
CEO: Mr. Thomas Ashford Broughton III
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
市值
$4.00B
市盈率 (TTM)
14.5
13.4
股息率
1.9%
52周最高
$90.64
52周最低
$66.48
52周范围
排名38Top 36.9%
4.3
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4.3 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$267.07M+7.41%
近4季度走势
每股收益
$1.58+32.77%
近4季度走势
自由现金流
$94.22M-100.00%
近4季度走势
2025 Annual 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$8.75B
$4.42B
$2.91B
毛利率 (最新季度)
100.0%
78.6%
76.2%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| WBS | $10.84B | 10.7 | 10.7% | 5.1% |
| CADE | $7.85B | 14.7 | 9.1% | 4.1% |
| IFS | $4.97B | 9.0 | 16.3% | 12.9% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
2.3%
温和增长
4季度净利润复合增长率
11.0%
盈利能力稳步提升
现金流稳定性
100%
现金流表现优异
深度研究
下次财报:2026年4月20日
每股收益:$1.53
|营业收入:$162.07M
财务数据
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利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
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无数据