Stock analysis · Bull Rankings model

SFBS analysis

ServisFirst Bancshares, Inc.Banks - Regional. Scored on the same transparent model behind the daily rankings.

SFBS
ServisFirst Bancshares, Inc. · Banks - Regional
Rev+16.4%B+
P/E14.7xB
ROE17.3%B+
P/B1.19B+
Yield1.8%C+
73.0Financial strength
$43.19$4.7B
1Y Target$49.00Analyst consensus · 3 analysts
5Y Target$71.74Compound horizon
10Y Target$106.42Long-dated conviction
Rev+16.4%
B+
Revenue +16.4% — above sector median, healthy trajectory
P/E14.7x
B
P/E 14.7 — near the Financial Services median (≈60th pctile)
ROE17.3%
B+
ROE 17.3% — above long-run market (~13%)
P/B1.19
B+
P/B 1.19 — reasonable for a quality bank
Yield1.8%
C+
Yield 1.8% — small income component

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Financial strength · 73 / 100
Profitability82.0
Value (P/B)77.2
Income51.9

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
6% off the 12-month high

Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.

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.
Horizon
1-3 yr $49.00 (3-analyst consensus) — fundamentals + valuation re-rating. 5 yr $71.74 at ~11% CAGR — compounding case rests on the competitive position widening. 10 yr $106.42 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.

Not enough history yet — the model records SFBS's score after each daily run, and the chart appears once a few days have accumulated.

SFBS at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY82VALUE77COVERED INCOME5273/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$43.2$33.6 LOWHIGH $46Trading at the 77th percentile of its 52-week range ($33.6–$46).
ONE-YEAR MOVE VS ITS BETAFLATThis stock-2%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Every figure here comes from the same audited fundamentals behind the score. Charts drawn from data the score does not use say so on the card.

Analyst estimate revisions

30-day change+0.0%
90-day change+1.4%
Forward EPS estimate$3.63

Over the last 90 days, what analysts expect SFBS to earn is drifting higher (+1.4%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

A fiscal-year roll fell inside this window: the forward horizon moved on to the next financial year, which shifts the earnings figure without any analyst changing their view. That step is excluded, so the number above covers the rest of the window rather than all of it.

A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →

Shares to buy
46
Position size
$1,987
4.0% of portfolio
Stop price
$32.39
25% below $43.19
$ at risk if stopped
$496.68
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

ServisFirst Bancshares, Inc. (SFBS): score, valuation & FAQ

ServisFirst Bancshares, Inc. (SFBS) is a Banks - Regional company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are Rev (B+), ROE (B+) and P/B (B+).

Is SFBS a good stock to buy?

Bull Rankings grades SFBS on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by Rev (B+), ROE (B+) and P/B (B+). A score is a quantitative screen of ServisFirst Bancshares, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade SFBS?

As a bank, insurer or REIT, SFBS isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on Rev (B+), ROE (B+) and P/B (B+).

Is SFBS overvalued or undervalued?

We don't compute a reliable discounted-cash-flow value for SFBS — typically because it is not yet consistently profitable or free-cash-flow positive — so its valuation rests on growth and price-to-sales rather than on earnings-based intrinsic value. Judge it on the trajectory of the business, not a single multiple.

What are the main risks of investing in SFBS?

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.

New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.

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