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Alabama-based commercial bank using a low-cost, relationship-banker model to serve businesses across the Southeast.
Alabama-based commercial bank using a low-cost, relationship-banker model to serve businesses across the Southeast.
Earns mostly from the gap between interest on business loans and the cost of deposits, gathered by a small number of relationship bankers and through correspondent banking, where smaller banks deposit funds with it. With few branches, costs per dollar of loans stay low. Founded in Birmingham in 2005, it has grown by hiring experienced bankers and opening offices in new Southeast cities.
Moat: narrow (cost advantage, process know-how). Lean, branch-light operating model keeps costs low versus traditional branch-heavy banks.
Headquarters: Birmingham, Alabama, US · Founded: 2005 · Employees: 666
Size ServisFirst Bancshares (SFBS) is a United States Financials company (Regional Banks) with a market value of $4.49B, the 1265th largest of 3,117 United States companies the cockpit tracks. Shares closed at $87.28 on 6 Nov 2026.
Performance Over six months the shares gained 2.3%, against +8.5% for the median peer and -1.1% for the United States market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue grew 4.9% over the last twelve months (peer median +3.0%); the operating margin is 63.6% (peer median 43.8%).
Valuation It trades at 2.21× book value against a peer median of 1.31× (2nd most expensive of 21).
Price implies The share price implies a return on equity of about 17.2%; ServisFirst Bancshares delivers 17.9%, so the price asks less than the business earns today.
Short interest Short interest is 5.0% of the free float (15 Oct 2026).
Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.05B | $1.02B | $981M | $844M | $585M |
| Revenue growth | — | +4% | +16% | +44% | — |
| Net income | $342M | $277M | $227M | $207M | $252M |
| Free cash flow | n/a | $349M | $248M | $193M | $269M |
| Capital expenditure | n/a | $131M | $4.65M | $3.91M | $3.65M |
| Total debt | $2.00B | $1.53B | $2.09B | $1.35B | $1.70B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| ServisFirst Bancshares SFBS | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% |
| Renasant RNST | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% |
| United Community Banks UCB | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% |
| SouthState Bank SSB | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SFBS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.8% | +6.1% | 7th lowest of 21 |
| 6-month return | +2.3% | +8.5% | 4th lowest of 21 |
| Return on equity | 17.9% | 9.6% | 3rd highest of 21 |
| Price / book | 2.21× | 1.31× | 2nd most expensive of 21 |
| Trailing P/E | 13.1× | 12.4× | 7th most expensive of 19 |
| ROE the price implies | 17.2% | 10.4% | 3rd most demanding of 19 |
| ROE delivered | 17.9% | 9.6% | 3rd highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| ServisFirst Bancshares SFBS | United States | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% | 17.9% |
| United Community Banks UCB | United States | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% | 4.1% |
| Alior Bank ALR.WA | Poland | $4.59B | +15% | -7% | 16% | 1.42× | 20.0% | 15.6% |
| Bendigo & Adelaide Bank BEN.AX | Australia | $4.36B | +5% | -6% | 6% | 0.93× | 11.0% | 5.6% |
| Cathay General Bancorp CATY | United States | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% | 12.2% |
| Bank of Qingdao 002948.SZ | China | $4.78B | +3% | +3% | 13% | 0.85× | 5.0% | 12.9% |
| International Bancshares IBOC | United States | $4.20B | -8% | +2% | 13% | 1.25× | 9.8% | 12.9% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Bank Handlowy w Warszawie BHW.WA | Poland | $4.09B | +7% | -22% | 17% | 1.72× | 17.1% | 16.7% |
| Zuger Kantonalbank ZUGER.SW | Switzerland | $4.04B | +8% | -10% | 8% | 2.03× | n/a | 8.3% |
| CVB Financial CVBF | United States | $3.99B | +12% | +23% | 9% | 1.27× | 9.8% | 8.6% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |