Is ServisFirst Bancshares, Inc. (SFBS) Overvalued?
We dive into why ServisFirst Bancshares, Inc. (SFBS) could be considered overvalued on 2026-07-29, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. 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.
Commentary & Analysis
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What You Need to Know About ServisFirst Bancshares, Inc.'s Q3 Earnings
ServisFirst Bancshares, Inc.'s fiscal Q3 earnings report was released on Monday, July 20. Let's dive in to see if (SFBS) missed or beat analyst's expectations.Michael Rose
Which Is a Better Investment, National Bank Holdings Corporation or ServisFirst Bancshares, Inc. Stock?
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Which Is a Better Investment, First Commonwealth Financial Corporation or ServisFirst Bancshares, Inc. Stock?
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Financial Summary
| Share Statistics | SFBS | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $4,893.1 | $716.9 | 67% |
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| Shares Out (Mil) | 54.7 | 15.7 | 50% |
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| Institutional Ownership | 91.7% | 83.0% | 60% |
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| Float (Mil) | 51.1 | 21.2 | 48% |
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| Beta | 0.86 | 0.48 | 51% |
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| Avg Daily Volume (000s) | 315 | 53 | 52% |
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| Price Change (52-week) |
12.1% | 96.7% | 55% |
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| Growth | SFBS | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.1% | 7.6% | 58% |
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| Net Income (5yr) | 10.3% | 11.1% | 55% |
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| EPS (5yr) | 10.1% | 10.1% | 46 |
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| Dividends (5yr) | 13.8% | 3.6% | 85% |
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| Cash Flow (5yr) | (19.8%) | (17.0%) | 34% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $1.633 | $6.430 | $7.267 | |
| Month Ago EPS | $1.607 | $6.400 | $7.173 | |
| # Rev Up | 1 | 2 | 3 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $1.603 | $6.387 | $7.167 | |
| Year/Year Chg | 7.6% | 27.1% | na | |
| Financials | SFBS | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $549 | $190 | 42% |
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| Net Income (TTM) (Mil) | $296 | $51 | 73% |
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| EPS (TTM) | $5.424 | $2.500 | 88% |
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| Operating Cash Flow (TTM) (Mil) | $377 | $34 | 68% |
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| Net Cash Flow (TTM) (Mil) | ($1,513) | $1 | 2% |
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| Long-Term Debt (Q1) (Mil) | $54 | $100 | 40% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | SFBS | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.56 | 1.27 | 60% |
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| P/E | 16.5 | 12.9 | 40% |
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| Dividend Yield | 1.7% | 2.2% | 74% |
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| PEG (5yr hist) | 1.6 | 1.1 | 61% |
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| Ratios | SFBS | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 54.8% | 28.9% | 97% |
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| ROA | 1.6% | 1.0% | 53% |
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| ROE | 16.6% | 11.1% | 74% |
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| Liabilities to Assets | 89.5% | 89.8% | 85% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Muhlenkamp Screen
Factors: Value, Quality, Growth
Muhlenkamp uses a bottom-up approach to selecting stocks, but adjusts his benchmarks based upon the broad economic environment.
| Performance Since Inception: | 6.2% |
| +/- S&P 500: | -1.3 |
