NYSE
SFBS
Last Price
US $85.47
KEY FIGURES
MKT CAP
$4.7B
EPS
TTM
$5.42
PEG
TTM
0.69x
P/E
TTM
15.77x
P/S
TTM
4.58x
YIELD
1.73%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
ServisFirst Bancshares, Inc. cash flow to debt ratio of 23.58% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
ServisFirst Bancshares, Inc.'s free cash flow has increased 40.68% from $248.27M last year to $349.26M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
ServisFirst Bancshares, Inc.'s debt to equity ratio is 0.83, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
ServisFirst Bancshares, Inc.'s debt has decreased relative to shareholder equity from 1.27 last year to 0.83 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
ServisFirst Bancshares, Inc. has a net debt to EBITDA ratio of 4.07x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
ServisFirst Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
ServisFirst Bancshares, Inc.'s profit margin has increased (24.86%) in the last year from 23.26% to 29.04%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
ServisFirst Bancshares, Inc.'s short-term liabilities of $4.16G exceed its short-term assets of $1.16G, signaling financial risk
Decreasing performance - ROA.
ServisFirst Bancshares, Inc.'s return on assets of 1.63% is lower than the 5.00% threshold, indicating inefficient asset utilization
Increasing performance - Absolute return on equity.
ServisFirst Bancshares, Inc.'s return on equity of 16.32%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
ServisFirst Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
ServisFirst Bancshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
ServisFirst Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
ServisFirst Bancshares, Inc. has a free cash flow yield of 7.48%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
ServisFirst Bancshares, Inc.'s yearly earnings has increased 21.72% since last year from $227.24M to $276.60M, signaling increasing performance
Increasing performance - Healthy revenue growth.
ServisFirst Bancshares, Inc.'s yearly revenue has increased 4.13% since last year from $977.12M to $1.02G, signaling increasing performance
Increasing performance - ROIC.
ROIC 8.11% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
ServisFirst Bancshares, Inc.'s 3-year revenue CAGR of 20.57% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
ServisFirst Bancshares, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
ServisFirst Bancshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
ServisFirst Bancshares, Inc. is undervalued relative to its fair value price of 87.60 based on Discounted Cash Flow model
Undervalued - Earnings yield.
ServisFirst Bancshares, Inc. has an earnings yield of 6.34%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
ServisFirst Bancshares, Inc. is overvalued relative to its fair value price of 18.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
ServisFirst Bancshares, Inc. has an EV/EBITDA ratio of 17.54x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
ServisFirst Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
ServisFirst Bancshares, Inc. has a price-to-book ratio of 2.44x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
ServisFirst Bancshares, Inc. has a price-to-sales ratio of 4.58x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
16.32%
Return on equity
ROIC: 8.11%
Valuation History
15.8X
Price to Earnings
EV/EBITDA: 13.4X
Cash flow
Profit margin
19.71%
(FY vs FY)
EBITDA Y/Y
9.70%
(FY vs FY)
Cash flow Y/Y
13.07%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $85.47
2.49%
Default assumptions
EBITDA Multiple
Fair Value
Market $85.47
-78.94%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.