ServisFirst Bancshares Inc. Common Stock (SFBS)

FairStock Score: 68/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a bank differently from an industrial company. ServisFirst is a $2.1 billion regional bank holding company with 684 employees. The filed record shows steady profit: fiscal year 2023 net income was $206.9 million and diluted EPS $3.79; fiscal year 2024 was $227.2 million and $4.16; fiscal year 2025 was $276.6 million and $5.06. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $85.8 million and diluted EPS $1.57, versus $61.4 million and $1.12 in fiscal Q2 2025. That is real growth, not a story. FairStock calculates ROE of 17.33%, a good bank-level return, and a Piotroski F-Score of 6/9. At the 2026-10-13 close of $38.57, FairStock shows P/E 13.16, P/B 2.13, PEG 0.33 and dividend yield 1.97%. The price sits near the low end of its 52-week range of $37.51-$92.08, suggesting the market sees something I cannot fully verify. The bank-specific data I want - CET1, net interest margin, efficiency ratio, charge-offs, nonperforming loans, reserves - are not provided. For a bank, price-to-book and ROE matter, but so does underwriting. A 2.13 times book multiple is not a Graham bargain unless credit quality is excellent and returns persist. The growth and returns look attractive; the missing credit and capital detail keeps me cautious. I would rather understand the loan book before calling this a clear value opportunity.

In plain English: ServisFirst Bancshares is a regional bank that takes deposits and makes loans, largely for real estate and businesses. It has been growing profits and earns strong returns, but the stock has dropped far from its high. Based on the numbers given, the price looks reasonable rather than clearly cheap, and the main unknown is how much loan risk is hidden in the bank.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer