SFBS
Financial ServicesServisFirst Bancshares, Inc. · Banks - Regional · $4B
What is ServisFirst Bancshares, Inc.?
ServisFirst Bancshares is a Birmingham-based bank holding company serving individual and corporate customers across the southeastern United States. Its subsidiary, ServisFirst Bank, operates a focused commercial banking model built around relationship-driven service.
ServisFirst generates revenue primarily through traditional banking activities — accepting deposits and extending loans. Its lending portfolio spans commercial, commercial real estate, construction, residential, and consumer loans. The bank also offers treasury and cash management services, correspondent banking for other financial institutions, and a full suite of digital banking tools including mobile, internet, and remote capture services.
ServisFirst Bancshares was incorporated in 2014 and is headquartered in Birmingham, Alabama.
- Commercial and business lending
- Commercial real estate and construction loans
- Treasury and cash management services
- Correspondent banking for other financial institutions
Is SFBS a Good Stock to Buy?
UQS Score rates SFBS as Good overall, reflecting a mixed profile across its five quality pillars.
The Quality pillar stands out as the clearest strength, suggesting ServisFirst maintains above-average financial discipline relative to regional banking peers. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals.
Both the Moat and Risk pillars register as Weak, indicating limited competitive differentiation and elevated risk factors that investors should weigh carefully.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does SFBS pay dividends?
Yes — ServisFirst Bancshares, Inc. pays a dividend.
ServisFirst Bancshares pays a regular dividend, consistent with the income-oriented expectations of many regional bank investors. The dividend reflects the company's ability to return capital while maintaining its lending operations. Investors seeking yield alongside a community banking exposure may find this cadence relevant to their income strategy.
When does SFBS report earnings?
ServisFirst Bancshares reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's earnings profile reflects the dynamics of a relationship-focused commercial lender — loan growth, deposit mix, and net interest margin trends are the primary drivers of quarterly results. Credit quality and reserve levels are also closely watched given the Weak Risk pillar rating.
For the most recent quarter's results, visit ServisFirst Bancshares' investor relations page directly.
SFBS Price History
+23.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in ServisFirst Bancshares, Inc.?
Based on ServisFirst Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
SFBS Long-term Outlook
ServisFirst's Growth pillar is rated Neutral, suggesting the bank is expanding at a pace broadly in line with regional banking norms rather than outpacing the sector. The Weak Risk pillar introduces uncertainty around credit conditions and interest rate sensitivity, which could weigh on the earnings trajectory if the macro environment deteriorates. The Attractive Valuation rating, however, suggests the market has not priced in an overly optimistic scenario.
Growth drivers
- Continued expansion of commercial lending relationships in the Southeast
- Growth in treasury and cash management fee income
- Correspondent banking relationships providing incremental revenue diversification
Key risks
- Elevated credit and interest rate risk reflected in the Weak Risk pillar
- Limited competitive moat in a crowded regional banking landscape
- Potential margin compression if deposit costs rise faster than loan yields
SFBS vs Peers
ServisFirst competes with other regional and community-focused bank holding companies across the eastern United States.
Fulton Financial operates a multi-bank model across the Mid-Atlantic region, offering broader geographic diversification than ServisFirst's southeastern footprint.
TFS Financial focuses heavily on retail mortgage lending and savings products, giving it a different loan mix compared to ServisFirst's commercial-lending emphasis.
Associated Banc-Corp serves the Midwest with a broader retail and commercial banking platform, operating at a larger scale than ServisFirst's concentrated southeastern network.
Frequently Asked Questions
What does ServisFirst Bancshares do?
ServisFirst Bancshares is the holding company for ServisFirst Bank, which provides commercial and consumer banking services across the southeastern US. The bank accepts deposits, extends loans, and offers treasury, cash management, and correspondent banking services to individuals, businesses, and other financial institutions.
Does SFBS pay dividends?
Yes, ServisFirst Bancshares pays a regular dividend. This is consistent with the capital return practices common among profitable regional bank holding companies. Investors should verify the current dividend rate and payment schedule through the company's investor relations page, as amounts can change.
When does SFBS report earnings?
ServisFirst Bancshares reports earnings quarterly, in line with standard US-listed bank reporting schedules. For the exact timing of upcoming releases, check the company's investor relations page or a financial calendar service.
Is SFBS a good stock to buy?
UQS Score rates SFBS as Good overall. The Quality pillar is Strong and Valuation is Attractive, but the Moat and Risk pillars are both Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.
Is SFBS overvalued?
The UQS Valuation pillar for SFBS is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. That said, valuation should always be considered alongside risk — and SFBS carries a Weak Risk rating that investors should factor in.
How does SFBS compare to its competitors?
ServisFirst differentiates itself through a relationship-driven commercial banking model concentrated in the Southeast. Peers like Fulton Financial and Associated Banc-Corp operate across broader geographies, while TFS Financial leans more heavily into retail mortgage lending. Each carries a distinct risk and growth profile.
What is SFBS's market cap bracket?
ServisFirst Bancshares is classified as a mid-cap company. This places it in the range where it has meaningful scale as a regional bank but remains smaller than the large national banking institutions that dominate the sector.
Who founded ServisFirst Bancshares?
ServisFirst Bank was founded by Thomas Broughton, who serves as its President and CEO. The holding company structure was established in 2014. For detailed founding history, the company's official website and public filings are the most reliable sources.
Is SFBS a long-term quality investment?
From a long-term quality standpoint, SFBS shows a Strong Quality pillar — a positive indicator of financial discipline. However, the Weak Moat pillar suggests limited durable competitive advantages, which can matter over longer time horizons. Pro members can view the complete pillar analysis to assess long-term fit.
What is the main competitive advantage of ServisFirst Bancshares?
ServisFirst's primary edge lies in its relationship-focused commercial banking approach and operational efficiency within its southeastern markets. However, the UQS Moat pillar rates this advantage as Weak, reflecting the competitive nature of regional banking where differentiation is difficult to sustain at scale.
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Pro Analysis
SFBS — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 11, 2026 | 55.0 | 92.7 | 28.0 | 42.4 | 24.8 | 84.2 | +0.8 |
| May 7, 2026 | 54.2 | 90.7 | 28.0 | 42.4 | 25.5 | 81.7 | 0.0 |
| May 3, 2026 | 54.2 | 90.7 | 28.0 | 42.4 | 25.5 | 81.6 | -0.1 |
| Apr 26, 2026 | 54.3 | 90.7 | 28.0 | 42.4 | 25.5 | 81.9 | 0.0 |
| Apr 23, 2026 | 54.3 | 90.7 | 28.0 | 42.4 | 25.5 | 82.1 | 0.0 |
| Apr 22, 2026 | 54.3 | 90.7 | 28.0 | 42.4 | 25.5 | 81.9 | +0.1 |
| Apr 19, 2026 | 54.2 | 90.7 | 28.0 | 42.4 | 25.5 | 81.5 | 0.0 |
| Apr 18, 2026 | 54.2 | 90.7 | 28.0 | 42.4 | 25.5 | 81.2 | -1.9 |
| Apr 14, 2026 | 56.1 | 90.7 | 28.0 | 42.4 | 25.5 | 94.5 | -5.5 |
| Apr 13, 2026 | 61.6 | 90.7 | 50.0 | 42.4 | 25.5 | 94.4 | +5.4 |
SFBS — Pillar Breakdown
Quality
— 92.7/100 (25%)ServisFirst Bancshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 42.4/100 (20%)ServisFirst Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 24.8/100 (15%)ServisFirst Bancshares, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 84.3/100 (15%)ServisFirst Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)ServisFirst Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SFBS.
Score Composition
Financial Data
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How is the SFBS UQS Score Calculated?
The UQS (Unified Quality Score) for ServisFirst Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses ServisFirst Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether ServisFirst Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.