Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Stellar Bancorp, Inc., ServisFirst Bancshares or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Stellar Bancorp, Inc., ServisFirst Bancshares and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Stellar Bancorp, Inc., ServisFirst Bancshares and Inc.

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It offers deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier’s checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. It accepts demand, time, savings, and other deposits; checking, money market, and IRA accounts; and certificates of deposit. The company’s loan products include commercial lending products, including seasonal, bridge, and term loans for working capital, expansion of the business, acquisition of property, and plant and equipment, as well as commercial lines of credit; commercial real estate loans, 1-4 family residential real estate loans, and construction, and development loans; and consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans. It also offers other banking products and services comprising telephone and mobile banking, Internet banking, direct deposit, traveler’s checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit and credit card systems; treasury and cash management services; wire transfer, night depository, banking-by-mail, and remote capture services; and correspondent banking services to other financial institutions. In addition, the company holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. The company was founded in 2005 and is headquartered in Birmingham, Alabama.

Latest Banks and Stellar Bancorp, Inc., ServisFirst Bancshares, Inc. Stock News

As of February 11, 2026, Stellar Bancorp, Inc. had a $2.0 billion market capitalization, compared to the Banks median of $562.5 million. Stellar Bancorp, Inc.’s stock is up 28.3% in 2026, up 2.7% in the previous five trading days and up 38.03% in the past year.

Currently, Stellar Bancorp, Inc.’s price-earnings ratio is 20.5. Stellar Bancorp, Inc.’s trailing 12-month revenue is $416.5 million with a 24.9% net profit margin. Year-over-year quarterly sales growth most recently was -7.5%. Analysts expect adjusted earnings to reach $2.177 per share for the current fiscal year. Stellar Bancorp, Inc. currently has a 1.5% dividend yield.

As of February 11, 2026, ServisFirst Bancshares, Inc. had a $4.7 billion market cap, putting it in the 67th percentile of all stocks. ServisFirst Bancshares, Inc.’s stock is up 19.6% in 2026, NA 0% in the previous five trading days and down 5.2% in the past year.

Currently, ServisFirst Bancshares, Inc.’s price-earnings ratio is 18.4. ServisFirst Bancshares, Inc.’s trailing 12-month revenue is $497.7 million with a 52.5% net profit margin. Year-over-year quarterly sales growth most recently was 7.5%. Analysts expect adjusted earnings to reach $6.350 per share for the current fiscal year. ServisFirst Bancshares, Inc. currently has a 1.8% dividend yield.

How We Compare Stellar Bancorp, Inc., ServisFirst Bancshares and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Stellar Bancorp, Inc., ServisFirst Bancshares and Inc.’s stock grades to see how they measure up against one another.

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Stellar Bancorp, Inc., ServisFirst Bancshares and Inc. Stock Value Grades

Company	Ticker	Value
Stellar Bancorp, Inc.	STEL	C
ServisFirst Bancshares, Inc.	SFBS	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Stellar Bancorp, Inc. has a Value Score of 49, which is Average. ServisFirst Bancshares, Inc. has a Value Score of 38, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Stellar Bancorp, Inc., ServisFirst Bancshares or Inc. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Stellar Bancorp, Inc., ServisFirst Bancshares or Inc. is the better investment when it comes to value.

Stellar Bancorp, Inc., ServisFirst Bancshares and Inc. Growth Grades

Company	Ticker	Growth
Stellar Bancorp, Inc.	STEL	C
ServisFirst Bancshares, Inc.	SFBS	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Stellar Bancorp, Inc. has a Growth Score of 49, which is Average. ServisFirst Bancshares, Inc. has a Growth Score of 87, which is Very Strong.

The Growth Grade Winner: ServisFirst Bancshares, Inc.

As you can clearly see from the Growth Grade breakdown above, ServisFirst Bancshares, Inc. has a more attractive growth grade than Stellar Bancorp, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, ServisFirst Bancshares, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Stellar Bancorp, Inc., ServisFirst Bancshares and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Stellar Bancorp, Inc.	STEL	B
ServisFirst Bancshares, Inc.	SFBS	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Stellar Bancorp, Inc. has a Earnings Estimate Score of 62, which is Positive. ServisFirst Bancshares, Inc. has a Earnings Estimate Score of 69, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both Stellar Bancorp, Inc., ServisFirst Bancshares and Inc. have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether Stellar Bancorp, Inc., ServisFirst Bancshares or Inc. is a better fit.

Other Stellar Bancorp, Inc., ServisFirst Bancshares and Inc. Grades

In addition to Value, Growth and Estimate Revisions, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Stellar Bancorp, Inc., ServisFirst Bancshares and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Stellar Bancorp, Inc., ServisFirst Bancshares or Inc. Stock?

Overall, Stellar Bancorp, Inc. stock has a Value Score of 49, Growth Score of 49 and Estimate Revisions Score of 62.

ServisFirst Bancshares, Inc. stock has a Value Score of 38, Growth Score of 87 and Estimate Revisions Score of 69.

Comparing Stellar Bancorp, Inc., ServisFirst Bancshares and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.