ServisFirst Bancshares, Inc. (SFBS) Stock

ServisFirst Bancshares, Inc. (SFBS) is a Financials stock trading at $87.19 (as of 2026-08-20), with a market capitalization of $4.77B and a trailing P/E of 14.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

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, such as 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, direct deposit, Internet banking, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit card systems, as well as Visa credit cards; 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. It operates 23 full-service banking offices located in Alabama, Florida, Georgia, South Carolina, and Tennessee, as well as 2 loan production offices in Florida. The company was founded in 2005 and is headquartered in Birmingham, Alabama.

Understand ServisFirst Bancshares, Inc.: how it makes money

ServisFirst Bancshares, Inc. provides banking services as the bank holding company for ServisFirst Bank, taking customer deposits and making commercial loans and commercial real estate loans (including construction and development lending), which generate banking revenue.

Because it takes multiple types of customer deposits (demand, time, savings, and other accounts) and funds lending, its earnings are driven by the relationship between deposit gathering and the performance of its commercial lending and commercial real estate loan products.

Business quality (Solid): Clear banking model (deposits plus commercial and commercial real estate lending), but the provided information includes limited operating KPI detail, and only one revenue-line item is available for segment-style breakdown.

Valuation: At 16× earnings, SFBS trades 29% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Deposit and account variety: Offers demand, time, savings, and other deposits, including checking, money market, IRA accounts, and certificates of deposit.
  • Commercial and real-estate lending coverage: Provides commercial lending products (seasonal, bridge, and term loans for working capital, expansion, acquisitions, and plant and equipment) plus commercial real estate loans, including construction and development loans.

Bear case

  • Concentration in commercial real estate lending: The loan mix includes commercial real estate loans, specifically construction and development loans.
  • Limited segment visibility from the provided data: Only one revenue-related line item (pre-provisioned net revenue) is provided, and no operational KPI metrics are included, which makes it harder to track the specific drivers of performance.
Valuation — source: SEC EDGAR (first-party)
Price$87.19
Market Cap$4.77B
P/E Ratio14.9
EV / EBITDA11.9
Price / Book2.41
Price / Sales4.80
DCF Value (model)$106.96
DCF Upside vs Price22.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$990.43M
Net Margin27.9%
Revenue Growth (YoY)1.3%
EPS Growth (YoY)40.2%
Valuation vs Sector & Industry
Stock P/E14.9
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-1.8%
vs Industry15.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($543.64M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOThomas Ashford Broughton
Employees636
CountryUS
IPO Date2014-05-14

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • International Bancshares Corporation (IBOC)
  • First BanCorp. (FBP)
  • Texas Capital Bancshares, Inc. (TCBI)
  • United Community Banks, Inc. (UCB)
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SFBS earnings history · SFBS institutional & insider holders · SFBS KPIs & operating metrics · SFBS financials · SFBS investor presentations & press releases · SFBS SEC filings · SFBS peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.