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.
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ServisFirst Bancshares Inc
SFBS · USOur calculation puts a fair price 55% below what the stock costs today.
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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.
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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.
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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
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
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
SFBS screens overvalued: fair value 55% below the price. Compare with China Merchants Bank Co →
Earlier news
- SFBS Q3 Deep Dive: Margin Expansion and Loan Growth Offset EPS Miss
- ServisFirst outlines 5-7 bps quarterly margin expansion as it launches 2m-share repurchase plan
- ServisFirst (SFBS) Reports Q3 Earnings: What Key Metrics Have to Say
- ServisFirst Bancshares (NYSE:SFBS) Posts Q3 2026 Sales In Line With Estimates
Compare ServisFirst Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
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
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Net margin by industry
- P/B ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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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Frequently asked questions
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Key figures of ServisFirst Bancshares Inc
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