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what it is
It takes deposits, makes loans, and sells banking services to businesses and consumers across seven Southeast states.
how it gets paid
Last year Servisfirst Banc made $990M in revenue. Commercial lending interest was the main engine at $545M, or 55% of sales.
why it's growing
Revenue grew 4.7% last year. Shows quarterly EPS improving from $0.77 to $1.19 vs. prior year.
what just happened
Quarterly EPS reached $1.19 in Q4 2024, up from $0.77 a year earlier, while full-year EPS recovered to $4.16.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
85/100 earnings predictability — you can trust these numbers
16.8x trailing p/e — the market's not buying it — or you found a deal
2.1% dividend yield — cash in your pocket every quarter
$4.16 fy2024 eps est
xvary composite: 72/100 — average
What they do
It takes deposits, makes loans, and sells banking services to businesses and consumers across seven Southeast states.
This bank stays boring in the right ways. It had $14.1 billion in deposits and only $65 million of long-term debt at September 30, 2025. If you are a business customer using treasury management, online banking, and loans in one place, switching banks is a paperwork hobby nobody wants.
How they make money
$990M
annual revenue · their business grew +4.7% last year
Commercial lending interest
$545M
Consumer and other lending interest
$139M
Deposit service charges
$79M
Treasury and cash management
$109M
Correspondent banking and other
$118M
The products that matter
originates and manages business loans
Commercial banking
$13.7B loan book
This is the center of gravity: $13.7B in loans, grown at a 13% annual rate over the last decade. If you like SFBS, you like the underwriting.
credit book
earns the lending spread
Net interest income
$586M · 59% of revenue
It produced $146.5M last quarter and beat estimates by 3.2%. Here's the catch: if this line flattens while deposit costs stay high, the whole quality premium gets harder to defend.
profit engine
customer-facing digital banking utility
Online and mobile banking
no standalone revenue disclosed
This matters because clients expect it. The company does not break out revenue or growth here. Thin disclosure is the point: you should treat this as table stakes, not a hidden growth segment.
table stakes
Key numbers
$14.1B
total deposits
Deposits are bank fuel. More low-cost funding gives SFBS more room to lend and protect profits.
16.8x
trailing p/e
You are paying 16.8 times trailing earnings, which is a premium for a regional bank and leaves less room for mistakes.
2.1%
dividend yield
The cash payout is real but modest, so your return still depends mostly on earnings growth and the stock multiple holding up.
2%
debt/capital
Long-term debt was just 2% of capital, which is unusually conservative for a bank this size.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 45 / 100
- long-term debt $65M (2% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for SFBS right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly EPS reached $1.19 in Q4 2024, up from $0.77 a year earlier, while full-year EPS recovered to $4.16.
Value Line shows quarterly EPS improving from $0.77 to $1.19 vs. prior year. EDGAR shows latest-quarter revenue of $739M, up 194% vs. prior year, while Yahoo lists last reported EPS at $1.20, basically matching the $1.19 quarterly figure.
$739M
revenue
$1.19
eps
+54.5%
eps vs. last year
the number that mattered
The jump from $0.77 to $1.19 in quarterly EPS matters most because it shows earnings momentum came back after 2023's slowdown.
source: company earnings report, 2026
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What could go wrong
the big risk is concentration dressed up as consistency. this is a $13.7B loan book inside a $17.7B asset base, with credit quality looking clean at 0.97% non-performing assets. if that number turns, you will feel it quickly because there is no second engine here.
med
regional concentration
All $17.7B in assets sit in the southeastern U.S. If that regional economy slows, you do not get a geographic offset from another market carrying the book.
This is not broad banking exposure. It is a one-region credit bet wearing a quality multiple.
med
margin squeeze
A 3.4% net interest margin looks fine until deposit costs rise faster than loan yields. Net interest margin is the spread between what the bank earns and what it pays for funding. If that spread narrows, earnings feel it fast.
If margin compresses, the $586M net interest income line loses the momentum supporting the stock's low-teens multiple.
low
estimate drift
2026 revenue estimates moved to $561.66M from $569.24M in 90 days. That is a small cut. Small cuts become a pattern more often than management would like.
When the estimate line turns down, the multiple usually stops expanding first and asks questions second.
low
institutional cooling
Total institutional shares fell 4.10% to 53M over the last three months. That is not panic. It is also not the kind of sponsorship you want to see if the next quarter comes in merely fine.
Less sponsorship means less forgiveness. A stock with average sentiment usually needs a clean next print, not just an okay one.
The kill criteria are clear. If non-performing assets move clearly above 0.97%, if net interest margin breaks below 3.4%, or if estimate cuts keep stacking up, this stops being a cheap quality bank and starts looking like a normal regional lender with a nice past.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
non-performing assets vs 0.97%
Credit has stayed clean. If this moves materially above 0.97%, the whole "cheap for the quality" case weakens fast.
calendar
Q2 2026 earnings report
Scheduled for July 21, 2026. Watch whether net interest margin holds near 3.4% and whether the $146.5M quarterly net interest income run-rate improves.
trend
2026 revenue estimate direction
The estimate moved to $561.66M from $569.24M over 90 days. One cut is noise. A line of cuts becomes the story.
risk
institutional ownership follow-through
Holdings fell 4.10% to 53M shares over the last three months. If that turns into another quarter of selling, sentiment is telling you something before management does.
Analyst rankings
earnings predictability
85 / 100
in human-speak, analysts think management usually delivers numbers close to expectations.
risk rank
3
This reads as middle-of-the-road safety. Safer than many stocks, not a bunker.
price stability
45 / 100
The stock is not wildly unstable, but it is still a bank stock. You should expect mood swings when rate expectations move.
source: institutional data
Institutional activity
institutional ownership data for SFBS is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$78
current price
n/a
target midpoint · n/a from current
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