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ServisFirst Bancshares Inc (SFBS) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of ServisFirst Bancshares Inc stock $18.38, price $41.08, that is 55.3% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $14.14 to bull $28.40 Growth analysisrevenue history, year by year Quality 46/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 7, 2026

ServisFirst Bancshares Inc

SFBS · US

Very expensive, weak quality

Our calculation puts a fair price 55% below what the stock costs today.

Healthy Growth (revenue 5y +19.7 %/yr in USD)

Highly profitable · 55.6% net margin (TTM)

2.8% dividend yield · Low payout

Upbeat coverage

Broad data

Last quarter vs. a year ago: revenue +24%, profit +33%.

Quality 46/100

Mixed vs. peers (7/14)

Wide moat 72/100 · thin data

Insiders sold $1.0M (6M)

Fair value $18.38 · Strongly overvalued

⚠ Dilution

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $18.87 – $47.74 · fair‑value band $14.14 – $28.40 · the $41.08 price screens above the $18.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides banking services to individual and corporate customers in the United States.

Show moreShow less

It offers deposit services, including checking, money market, savings, and individual retirement arrangements (IRA) accounts, as well as certificates of deposit.

The company also provides real estate loans that consist of commercial real estate loans, 1-4 family residential real estate loans, and construction and development loans; consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans; and commercial loans comprising seasonal, bridge, and term loans, as well as commercial lines of credit.

In addition, it offers other banking services, such as 24-hour telephone banking, direct deposit, Internet banking, mobile banking, traveler's checks, safe deposit boxes, attorney trust accounts, and automatic account transfers, as well as automated teller machines and debit and credit card systems.

Further, the company provides treasury and cash management services; direct deposit, wire transfer, night depository, banking-by-mail and remote capture services for non-cash items; and correspondent banking services to other financial institutions.

Additionally, it holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. ServisFirst Bancshares, Inc. was founded in 2005 and is headquartered in Birmingham, Alabama.

Stock analysis

ServisFirst Bancshares Inc (SFBS) currently trades at $41.08, while our model-based Fair Value estimate is $18.38, 55% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $28.20 per share, and 0 of the 6 models we run sit above the $41.08 price.

Bear case: the Dividend Discount group reads lowest at $10.93, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $14.14 (bear) to $28.40 (bull), the price of $41.08 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

ServisFirst Bancshares Inc reported revenue of $1.0B in FY2025 versus $437M in FY2021, a compound +23.5%/yr. Reported net income was $277M in FY2025, compounding +7.4%/yr from FY2021.

Key figures

Market cap $4.5B Mid · P/E ratio 12.6 · P/S ratio 7.29 · EPS (TTM) $3.25 · Dividend yield 2.8% · Net margin 55.6% · Return on equity 17.9% · Return on assets (EBIT) 1.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −55%, SFBS screens richer than that median.

Fair Value models

Bear $14.14 Fair Value $18.38 Bull $28.40

Price $41.08 · Downside -55.3%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.81 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $16.63 $21.62 $33.41 74

Gordon GGM $5.88 $11.72 $17.74 67

DDM Multi-Stage $5.88 $10.13 $12.37 67

All 6 models by family

Dividend Discount

Gordon GGM $5.88 $11.72 $17.74 67

DDM Multi-Stage $5.88 $10.13 $12.37 67

Multiples

P/E Multiple $24.66 $32.89 $41.11 63

P/B Multiple $17.63 $23.51 $29.39 55

Asset-Based

NCAV (Graham) $8.40 $11.25 $16.79 54

Economic Profit

Residual Income $16.63 $21.62 $33.41 74

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 38

How much profit the company makes from its sales and capital

Quality Growth 66

Are margins and returns getting better?

Cashflow 88

Do the profits arrive as real cash?

Financial strength 2

Debt, balance sheet and risk of trouble

Investment 68

Does it invest with discipline instead of growing at any price?

Low Volatility 69

How calm the share price moves, does not count

Price momentum 44

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 59

Distance to the 52-week high, does not count

New shares 0

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director sold shares worth $1.0M and none bought.

SaleJ. Richard CashioDirector2× since Mar 24, 2026: 53,500 shares, avg. $77.71$4.2MJul 31, 2026

Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+4.1%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+20.6%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+19.7%

Start year 2020 (pandemic). Over 10 years: +18.5% a year

Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+15.3%

’14

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’18

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’21

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+12.9%

Earnings growth per share plus dividend.

Earnings per share, growth per year+10.1%

Dividend (yield on the price)2.8%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.1% vs 15.5%, slowing

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.52% → 34%

Pace: the 5-year rate starts in 2020 (pandemic)

SFBS screens overvalued: fair value 55% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (93 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

SFBS Q3 Deep Dive: Margin Expansion and Loan Growth Offset EPS Miss Yahoo Finance · Oct 20, 2026
ServisFirst outlines 5-7 bps quarterly margin expansion as it launches 2m-share repurchase plan Seeking Alpha · Oct 20, 2026
ServisFirst (SFBS) Reports Q3 Earnings: What Key Metrics Have to Say Yahoo Finance · Oct 19, 2026
ServisFirst Bancshares (NYSE:SFBS) Posts Q3 2026 Sales In Line With Estimates Yahoo Finance · Oct 19, 2026

Note from the team Oct 11, 2026

AI conclusion: The main strength is an unusually lean operation focused on high-revenue commercial relationships that maintains a low efficiency ratio, while the main weak point remains thin evidence of a durable edge amid regional banking competition.

Main risk: Competition in regional banking can pressure margins for this company that relies on high-revenue commercial relationships rather than broad retail banking.

ServisFirst runs an unusually lean operation that keeps its efficiency ratio in the low thirties by focusing on high-revenue commercial relationships instead of broad retail banking. This model has supported steady expansion through hiring experienced bankers in new markets. Our models see it as overvalued. Will the same cost discipline protect returns more effectively if loan growth slows than if funding costs stay high?

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 7/14 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 46 · Bottom 25%

Fair Value upside −55.3% · Bottom 25%

Profitability

Return on equity (12 months) 17.9% · Top 25%

Return on assets 1.6% · Top 25%

Net margin (12 months) 55.6% · Top 25%

Operating margin (12 months) 68.8% · Top 25%

Growth and dividend

Revenue growth (quarter YoY) 24.3% · Top 25%

Dividend yield (12 months) 2.8% · Above median

Balance sheet

Debt / equity 0.02× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.6× · Pricier than median

P/B 2.43× · Priciest 25%

P/S (12 months) 7.29× · Priciest 25%

Price / free cash flow (fiscal year) 12.9× · Pricier than median

EV/EBITDA 13.0× · Pricier than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)100 · sector 47

PAST (return on equity)72 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)56 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs SFBS
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs SFBS
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs SFBS
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs SFBS
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs SFBS
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs SFBS
Mizuho Financial Group MFG	$9.40	$5.89	−37%	vs SFBS
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs SFBS
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs SFBS
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs SFBS

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Cite: Fair Value Calculator (2026). "ServisFirst Bancshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/SFBS

Frequently asked questions

Is ServisFirst Bancshares Inc (SFBS) overvalued or undervalued?

As of Nov 7, 2026, our model estimates a fair value of $18.38 versus a price of $41.08, about 55% lower (overvalued).

What is the fair value of SFBS?

Our model-based fair value for ServisFirst Bancshares Inc is $18.38 (as of Nov 7, 2026), built from audited fundamentals. The current price: $41.08.

What is the quality score of SFBS?

ServisFirst Bancshares Inc has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for ServisFirst Bancshares Inc (SFBS)?

Our model-based price target is the fair value of $18.38 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $14.14, optimistic scenario $28.40. It is a calculation from audited fundamentals, not an analyst target.

What is the ServisFirst Bancshares Inc stock forecast for 2026?

Our models put fair value at $18.38, about 55% lower versus a price of $41.08 (overvalued). Cautious scenario $14.14, optimistic scenario $28.40. The calculation is refreshed regularly with new filings.

What is the revenue of ServisFirst Bancshares Inc (SFBS)?

ServisFirst Bancshares Inc reported trailing-twelve-month revenue of about $616M (latest available figure, as of Nov 7, 2026).

Does ServisFirst Bancshares Inc pay a dividend?

ServisFirst Bancshares Inc currently shows a dividend yield of 2.78% relative to its recent price (as of Nov 7, 2026).

How much is the dividend of ServisFirst Bancshares Inc (SFBS) and when is the ex-dividend date?

ServisFirst Bancshares Inc pays a dividend of $1.14 per share a year, a dividend yield of 2.8%. The last ex-dividend date was Oct 1, 2026. A dividend has been paid every year since at least 2014. The payout ratio is 35.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of ServisFirst Bancshares Inc (SFBS)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For ServisFirst Bancshares Inc it is $18.38 per share (as of Nov 7, 2026), against a price of $41.08. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is ServisFirst Bancshares Inc stock overvalued or undervalued in 2026?

As of Nov 7, 2026, SFBS trades above its calculated fair value: price $41.08, fair value $18.38, a gap of about −55% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of SFBS?

No. The price is what the market pays today ($41.08); the fair value is what the company's own numbers justify ($18.38). For ServisFirst Bancshares Inc the two are $22.70 per share apart. That gap is exactly why we show both numbers side by side.

How much is ServisFirst Bancshares Inc worth?

The market values ServisFirst Bancshares Inc at about $4.5B (market capitalisation, as of Nov 7, 2026). Per share that is $41.08; our models calculate a fair value of $18.38 per share.

What do the bullish and bearish scenarios say about SFBS?

Our models span a range for ServisFirst Bancshares Inc: cautious scenario $14.14, base $18.38, optimistic $28.40 per share (as of Nov 7, 2026, price $41.08). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of SFBS?

ServisFirst Bancshares Inc trades at a price-to-earnings ratio of 12.6 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.38 is built from several models across several years. Other multiples: P/B 2.4, P/S 7.3, EV/EBITDA 13.0.

How solid is the balance sheet of ServisFirst Bancshares Inc (SFBS)?

Balance-sheet figures for ServisFirst Bancshares Inc (as of Nov 7, 2026): return on equity 17.9%, debt of 0.02 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.

How far is SFBS from its 52-week high?

ServisFirst Bancshares Inc trades at $41.08, about 10% below its 52-week high of $45.55 and 24% above the low of $33.22 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $18.38 is for.

Which stocks are comparable to ServisFirst Bancshares Inc?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is ServisFirst Bancshares Inc stock attractive at the current price?

The data as of Nov 7, 2026: price $41.08, calculated fair value $18.38 (−55%), Quality Score 46/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of SFBS calculated?

We run ServisFirst Bancshares Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $18.38 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. ServisFirst Bancshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of ServisFirst Bancshares Inc (SFBS)?

The closing price on Nov 6, 2026 was $41.08. Our model-based fair value is $18.38, about 55% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with ServisFirst Bancshares Inc right now?

The price sits above even our optimistic bull case ($28.40). The favourable scenario is already priced in. Weak quality (46/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range ($14.14 to $28.40) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of ServisFirst Bancshares Inc (SFBS) come from?

Earnings per share at ServisFirst Bancshares Inc grew +14.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +19.0 %, EBIT margin −8.4 %, tax rate +1.5 %, residual (interest, one-offs) +3.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of ServisFirst Bancshares Inc

How large is the market capitalisation of ServisFirst Bancshares Inc (SFBS)?

The market capitalisation of ServisFirst Bancshares Inc is $4.5B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of ServisFirst Bancshares Inc (SFBS)?

The price-to-sales ratio of ServisFirst Bancshares Inc is 7.29 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of ServisFirst Bancshares Inc (SFBS)?

Earnings per share at ServisFirst Bancshares Inc are $3.25 (price ÷ EPS = P/E 12.6). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of ServisFirst Bancshares Inc (SFBS)?

The dividend yield of ServisFirst Bancshares Inc is 2.8% (payout 35.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of ServisFirst Bancshares Inc (SFBS)?

The net margin of ServisFirst Bancshares Inc is 55.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of ServisFirst Bancshares Inc (SFBS)?

The return on equity (ROE) of ServisFirst Bancshares Inc is 17.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of ServisFirst Bancshares Inc (SFBS)?

On an EBIT basis the return on assets of ServisFirst Bancshares Inc is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of ServisFirst Bancshares Inc (SFBS)?

The operating margin of ServisFirst Bancshares Inc is 68.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at ServisFirst Bancshares Inc (SFBS)?

Revenue at ServisFirst Bancshares Inc is growing +24.3% versus a year earlier (3y avg +20.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at ServisFirst Bancshares Inc (SFBS)?

Earnings per share at ServisFirst Bancshares Inc are growing +33.3% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does ServisFirst Bancshares Inc (SFBS) generate?

The free cash flow of ServisFirst Bancshares Inc is $349M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does ServisFirst Bancshares Inc (SFBS) carry?

The net debt of ServisFirst Bancshares Inc is $1.4B (fiscal year 2025, ≈ 4.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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