ServisFirst Bancshares, Inc.
NYSE•SFBS
執行長: Mr. Thomas Ashford Broughton III
板塊: Financial Services
行業: 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.
聯絡資訊
市值
$4.00B
本益比 (TTM)
14.5
13.4
股息率
1.9%
52周最高
$90.64
52周最低
$66.48
52周範圍
排名38Top 36.9%
4.3
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
一般 • 4.3 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025
財務儀表板
Q4 2025 數據
營業收入
$267.07M+7.41%
近4季度走勢
每股收益
$1.58+32.77%
近4季度走勢
自由現金流
$94.22M-100.00%
近4季度走勢
2025 Annual 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$8.75B
$4.42B
$2.91B
毛利率 (最新季度)
100.0%
78.6%
76.2%
關鍵指標
股票代碼 | 市值 | 本益比 (TTM) | 股東權益報酬率 (TTM) | 負債率 |
|---|---|---|---|---|
| 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% |
長期趨勢
近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
2.3%
溫和增長
4季度淨利複合增長率
11.0%
盈利能力逐步提升
現金流穩定性
100%
現金流表現優異
深度研究
下次財報:2026年4月20日
每股收益:$1.53
|營業收入:$162.07M
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