Stocks · Financial Services · Banks - Regional
ServisFirst Bancshares, Inc. SFBS
$40.15 +1.01% Close, Oct 2, 2026 · NYSE · Market cap $4.39B
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 38.1% from 30.7% a year earlier.
- The shares trade at 13.7× trailing earnings, lower than 86% of the company's own readings over the past five years.
- Diluted EPS over the last four quarters was $2.94, up 28.7% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth77Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 38%
- EPS growth (TTM, YoY)Top 38%
- FCF growth (TTM, YoY)Top 22%
- Revenue growth, 3-year CAGRTop 30%
- Revenue growth accelerationTop 41%
Quality70Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 46%
- Gross marginBottom 32%
- Operating marginTop 17%
- Cash conversion (OCF / net income)Top 30%
- Accruals (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Top 38%
- Interest coverBottom 49%
Value72Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 44%
- Free-cash-flow yieldTop 32%
- EBITDA / enterprise valueTop 36%
- Sales / enterprise valueBottom 30%
- P/E vs own 5-year history (lower is better)Top 14%
Momentum35Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 45%
- 6-month returnTop 40%
- 1-year return vs S&P 500Bottom 34%
- Distance from 52-week highBottom 41%
- Trend checklist (0–4)Bottom 27%
Revisions41Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 40%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 47%
Stability44Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 45%
- Maximum drawdown, 3 yearsBottom 43%
- Beta vs S&P 500 (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Top 38%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.0% | 3.5% | ↑ |
| EPS growth (YoY) | 23.2% | 28.7% | ↑ |
| Gross margin | 48.5% | 56.6% | ↑ |
| Operating margin | 30.7% | 38.1% | ↑ |
| FCF margin | 26.1% | 44.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.5% | 3.0% | ↑ | Bottom 38% |
| EPS growth (TTM, YoY) | 28.7% | 23.2% | ↑ | Top 38% |
| Gross margin | 56.6% | 48.5% | ↑ | Bottom 32% |
| Operating margin | 38.1% | 30.7% | ↑ | Top 17% |
| Net margin | 30.9% | 24.9% | ↑ | — |
| Free-cash-flow margin | 44.9% | 26.1% | ↑ | — |
| Return on invested capital | 1.7% | — | Top 46% | |
| Revenue growth, 3-year CAGR | 20.6% | — | Top 30% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.47×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -3.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.73%
- Net buyback yield (TTM)
- -0.00%
- Shareholder yield
- 2.72%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- +0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +3.0%
- Average 2-day reaction, last 8
- -0.6%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $46.00
- Target vs current price
- +14.6%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +0.0% | -1.6% | +0.8% | +5.1% | — |
| Apr 20, 2026 | +0.7% | +0.4% | +1.7% | -3.7% | +10.6% |
| Jan 20, 2026 | +14.2% | -2.5% | +4.5% | +10.7% | -1.9% |
| Oct 20, 2025 | -3.0% | +1.5% | -5.7% | -5.2% | +1.8% |
| Jul 21, 2025 | +0.0% | -0.7% | -2.1% | -2.0% | -6.0% |
| Apr 21, 2025 | -1.7% | -0.3% | +1.5% | +10.7% | +16.5% |
| Jan 27, 2025 | +7.2% | +1.5% | +2.6% | -0.8% | -21.3% |
| Oct 21, 2024 | +12.8% | -3.4% | -3.5% | +10.4% | +1.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $0.79 | $0.79 | +0.0% | $168.5M |
| Apr 20, 2026 | $0.77 | $0.77 | +0.7% | $159.0M |
| Jan 20, 2026 | $0.79 | $0.69 | +14.2% | $162.2M |
| Oct 20, 2025 | $0.65 | $0.67 | -3.0% | $136.3M |
| Jul 21, 2025 | $0.61 | $0.61 | +0.0% | $132.1M |
| Apr 21, 2025 | $0.58 | $0.59 | -1.7% | $131.8M |
| Jan 27, 2025 | $0.60 | $0.56 | +7.2% | $132.0M |
| Oct 21, 2024 | $0.55 | $0.49 | +12.8% | $123.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.7× | 17.1× | 14th | Top 44% |
| P/E (forward) | 12.5× | — | — | — |
| EV / EBITDA | 11.4× | — | — | Top 36% |
| EV / Sales | 4.39× | — | — | Bottom 30% |
| Free-cash-flow yield | 10.61% | — | — | Top 32% |
| Earnings yield | 7.32% | — | — | Top 44% |
P/E over the past five years
Range 10.3× – 25.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -0.1%
- Earnings per share growth (TTM)
- +28.7%
- Change in P/E multiple
- -11.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.7%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -6.8%
- Distance from 200-day average
- -1.0%
- RSI (14)
- 35.1
- Relative volume
- 0.81×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.90
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -12.3%
- Maximum drawdown, 3 years
- -31.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 1, 2022 | May 31, 2023 | -57.8% | 291 days | 362 days (Nov 6, 2024) |
| Nov 25, 2024 | Nov 20, 2025 | -31.6% | 247 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.39B
- P/E (TTM)
- 13.7
- EPS, diluted (TTM)
- $2.94
- Revenue (TTM)
- $1.04B
- Dividend yield
- 3.31%
- 52-week range
- $33.60 – $46.04
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $437.4M | $580.5M | $828.8M | $977.1M | $1.02B |
| Gross profit | $374.1M | $454.4M | $407.8M | $456.1M | $527.0M |
| Operating income | $253.3M | $308.8M | $244.6M | $279.0M | $342.1M |
| Net income | $207.7M | $251.5M | $206.9M | $227.2M | $276.6M |
| EPS (diluted) | $1.91 | $2.31 | $1.90 | $2.08 | $2.53 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $256.5M | $248.6M | $249.4M | $247.1M | $254.1M | $267.1M | $252.3M | $262.8M |
| Net income | $59.9M | $65.2M | $63.2M | $61.4M | $65.6M | $86.4M | $83.0M | $85.8M |
| EPS (diluted) | $0.55 | $0.60 | $0.58 | $0.56 | $0.60 | $0.79 | $0.76 | $0.79 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $266.3M | $272.6M | $197.3M | $252.9M | $355.2M |
| Capital expenditure | -$9.4M | -$3.6M | -$3.9M | -$4.6M | -$5.9M |
| Free cash flow | $256.9M | $269.0M | $193.4M | $248.3M | $349.3M |
| Dividends paid | -$32.5M | -$37.5M | -$45.7M | -$65.4M | -$73.2M |
| Net share buybacks | $3.5M | $1.2M | $1.3M | $916,000 | $610,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.10B
- Total assets
- $18.34B
- Total liabilities
- $16.37B
- Total debt
- $1.61B
- Net debt
- $157.7M
- Shareholders’ equity
- $1.98B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 1, 2026 | $0.19 | Oct 9, 2026 |
| Jul 1, 2026 | $0.38 | Jul 10, 2026 |
| Apr 1, 2026 | $0.38 | Apr 13, 2026 |
| Jan 2, 2026 | $0.38 | Jan 13, 2026 |
| Oct 1, 2025 | $0.34 | Oct 10, 2025 |
| Jul 1, 2025 | $0.34 | Jul 9, 2025 |
| Apr 1, 2025 | $0.34 | Apr 9, 2025 |
| Jan 2, 2025 | $0.34 | Jan 10, 2025 |
Short interest
- Shares sold short
- 5,664,918
- Days to cover
- 10.14
- Change vs previous report
- +8.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 21, 2026
- 2-for-1
- Dec 21, 2016
- 2-for-1
- Jul 17, 2014
- 3-for-1