US · SFBS
ServisFirst Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Birmingham, AL 35209
- Website
- servisfirstbank.com
Price · as of 2025-12-31
$79.91
Market cap 4.43B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $32.98 | -58.73% |
| Intrinsic Value(DCF) | $100.03 | +25.18% |
| Graham-Dodd Method(GD) | $58.89 | -26.31% |
| Graham Formula(GF) | $61.46 | -23.08% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $6.33 | $11.47 | |||
| 2012 | $7.19 | $19.41 | |||
| 2013 | $9.05 | $19.56 | |||
| 2014 | $13.71 | $38.46 | $11.65 | $12.75 | $22.79 |
| 2015 | $16.87 | $34.77 | $11.49 | $12.84 | $37.70 |
| 2016 | $34.86 | $48.92 | $15.84 | $15.47 | $41.75 |
| 2017 | $38.28 | $47.67 | $19.93 | $17.41 | $53.71 |
| 2018 | $29.89 | $49.96 | $21.44 | $20.60 | $81.05 |
| 2019 | $29.90 | $45.42 | $33.87 | $22.91 | $75.47 |
| 2020 | $54.68 | $51.97 | $39.76 | $26.30 | $28.02 |
| 2021 | $82.12 | $60.90 | $69.09 | $31.16 | $51.73 |
| 2022 | $59.33 | $54.36 | $29.06 | $36.43 | $182.09 |
| 2023 | $63.21 | $58.40 | $326.21 | $32.53 | $186.12 |
| 2024 | $83.87 | $65.02 | $886.32 | $32.22 | $104.84 |
| 2025 | $81.56 | $32.98 | $209.02 | $58.89 | $61.46 |
AI valuation
Our deep-learning model estimates ServisFirst Bancshares, Inc.'s (SFBS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $32.98
- Current price
- $79.91
- AI upside
- -58.73%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$100.03
+25.18% upside
Graham-Dodd
$58.89
-26.31% upside
Graham Formula
$61.46
-23.08% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SFBS | ServisFirst Bancshares, I… | $79.91 | 4.43B | -59% | +25% | -26% | -23% | 16.12 | 2.41 | 4.38 | 14.03 | 74.51 | 2.43 | 51.79% | 33.62% | 27.18% | 15.96% | 18.15% | 1.58% | 0.81 | 0.75 | 0.28 | 0.28 | 4.12 | 2163.00% | 413.00% | 4307.00% | 7.97% | 0.09 | 23.30% | 0.00% | 0.00% | 0.00% | 14.03 | 13.52 | 4.72 | 0.21 |
| ASB | Associated Banc-Corp | $26.41 | 4.38B | +11% | +9,936% | -14% | +164% | 9.29 | 0.88 | 1.78 | 4.47 | 3.26 | 1.14 | 58.29% | 23.50% | 19.31% | 9.86% | 17.69% | 1.07% | 0.84 | 0.59 | 0.30 | 0.30 | 6.22 | 28472.00% | 1683.00% | 924.00% | 13.33% | 0.03 | 21.79% | 3.81% | 35.40% | 4.47% | 4.47 | 4.42 | 1.05 | -0.12 |
| AVAL | Grupo Aval Acciones y Val… | $4.09 | 4.88B | +41% | -38% | -51% | -76% | 12.99 | 0.76 | 0.36 | 9.19 | 34.61 | -7.15 | 30.57% | 8.49% | 2.75% | 5.93% | 5.31% | 0.32% | 4.09 | 0.15 | 0.37 | 0.37 | 12.65 | 3753.00% | -380.00% | 4760.00% | -111.53% | -0.07 | -35.60% | 5.52% | 71.70% | 5.94% | 12.92 | -2.76 | 1.10 | -0.27 |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| BANF | BancFirst Corporation | $110.00 | 3.69B | +2% | +25% | +97% | — | 15.70 | 0.63 | 4.58 | -1.64 | 148.67 | 0.63 | 82.91% | 36.80% | 29.19% | 6.28% | -107.56% | 1.70% | 0.00 | 0.98 | 324.49 | 324.49 | -13.23 | 1056.00% | -929.00% | 2705.00% | 7.55% | 21.41 | -128.26% | 0.00% | 0.00% | 22.33% | -1.76 | -1.87 | -0.65 | 0.74 |
| CADE | Cadence Bank | $42.11 | 7.85B | -28% | +264% | -49% | +166% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| FFIN | First Financial Bankshare… | $30.93 | 4.43B | +97% | -7% | -71% | +11% | 17.42 | 2.30 | 5.35 | 10.51 | 129.41 | 2.75 | 71.82% | 37.49% | 30.71% | 14.39% | 31.46% | 1.72% | 0.01 | 1.54 | 0.68 | 0.67 | -3.30 | 1346.00% | 1171.00% | -236.00% | 6.47% | 0.02 | 35.48% | 2.40% | 41.80% | 13.49% | 10.86 | 11.75 | 4.07 | 0.11 |
| IBOC | International Bancshares … | $67.11 | 4.17B | -11% | -6% | -11% | — | 10.33 | 1.31 | 5.15 | 187.50 | 1357.27 | 1.43 | 100.00% | 70.03% | 49.85% | 13.63% | 61.94% | 2.55% | 0.04 | 2.71 | — | — | -17.87 | 76.00% | -2069.00% | 286.00% | 11.11% | — | 63.84% | 2.04% | 21.10% | 19.04% | 7.56 | 9.26 | 5.29 | 0.67 |
| IFS | Intercorp Financial Servi… | $48.38 | 5.37B | -25% | -31% | -18% | +19% | 10.30 | 1.52 | 2.03 | 7.08 | 23.78 | 1.75 | 65.27% | 25.24% | 19.72% | 15.66% | 153.46% | 1.87% | 1.03 | 1.09 | 2.07 | 2.07 | 0.29 | 4332.00% | 431.00% | -26255.00% | 16.30% | 0.53 | 256.55% | 2.11% | 21.70% | 3.43% | 8.34 | 6.36 | 2.11 | 0.41 |
| UCB | United Community Banks, I… | $32.17 | 3.85B | +4% | -2% | -37% | -1% | 12.06 | 1.09 | 2.57 | 0.45 | 42.40 | 1.48 | 66.00% | 27.48% | 21.35% | 9.28% | -55.41% | 1.18% | 0.06 | 0.89 | 0.17 | 0.17 | 0.01 | 2843.00% | 382.00% | 3470.00% | 10.31% | 0.02 | -68.86% | 3.12% | 37.60% | 6.55% | 0.49 | 0.51 | 0.14 | -0.60 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
About ServisFirst Bancshares, Inc.
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, such as 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, construction and development loans, and residential real estate 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, direct deposit, Internet banking, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit card systems, as well as Visa credit cards; 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. It operates 23 full-service banking offices located in Alabama, Florida, Georgia, South Carolina, and Tennessee, as well as 2 loan production offices in Florida. The company was founded in 2005 and is headquartered in Birmingham, Alabama.
- CEO
- Thomas Ashford Broughton
- Employees
- 636
- Beta
- 0.92
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($100.03 ÷ $79.91) − 1 = +25.18% (DCF, example).