COMPARE · Data as of August 27, 2026
SFBS vs ZION
Verdict: Side-by-side breakdown using the Bull Rankings model. SFBS scored 77.0, ZION scored 74.0 — SFBS leads.
Compare another set
SFBS
ServisFirst Bancshares, Inc.
73Fin
$43.19 · $4.7B
fundamentals as of
Strength gap
1.0
ZION leads
ZION
Zions Bancorporation, National Association
74Fin
$67.91 · $9.9B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestZION8.7x
- Fastest growthSFBS+16.4%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
SFBS
ZION
+16.4%B+
Rev
+8.1%B
14.7xB
P/E
8.7xA-
17.3%B+
ROE
16.4%B+
1.19B+
P/B
1.30B+
1.8%C+
Yield
2.8%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
SFBSServisFirst Bancshares, Inc.
Why now
Banks - Regional · market cap $4.7b. 6% off the 52-week high of $46.04. Revenue growing +16%, comfortably above the S&P median. 3 sell-side analysts publish a mean 1-yr target of $49.00 (implying +13% upside).
Moat
Net margin 55% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Credit-cycle exposure — provisions tend to lag actual loan deterioration by 2-3 quarters; a sharp uptick in net charge-offs is a leading indicator the market often misses until it's already priced.
ZIONZions Bancorporation, National Association
Why now
Banks - Regional · market cap $9.9b. 7% off the 52-week high of $73.34. 21 sell-side analysts rate this a Hold with a mean 1-yr target of $74.95 (implying +10% upside).
Moat
Net margin 32% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 16% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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