NYSE: SFBS

ServisFirst Bancshares (SFBS) Stock Analysis & Forecast

Sep 28 close

$41.02−0.29 (−0.7%)

Gekko Brief

AI summary

ServisFirst declared a quarterly cash dividend of $0.19 per share, payable October 9 to holders of record as of October 1, a sequential halving from the prior quarterly payout. Alongside the dividend news, analysts carry an average "Buy" recommendation on the stock, with consensus coverage citing a 12-month price target near $47.67 against a recent share price around $41.98.

SFBS closed at $41.02, down 0.7%, sitting between its 50-day average of $43.34 and its 200-day average of $40.50. Shares are off 5% over one month and 5.9% over three months, though still up 13.1% over six months and roughly flat over one year. The GekkoIndex reads 66.4, placing the stock in the Accumulation zone, and price sits 9.6% below the Gekko Fair Value of $45.37.

The next earnings date falls on 19 October, after the close, 20 days away and within a typical 20-trading-day holding window; the last report on 20 July showed EPS of $1.57 matching the $1.57 estimate, with a 1% reaction, against a backdrop of 5 beats in the last 8 quarters and an average absolute reaction of 3.3%. No insider, Congress, or unusual options activity appears in the respective 90-day and 30-day windows. Seasonally, the next 20 trading days have averaged -5.8% over 5 years, rising in 1 of them, a pattern worth noting alongside the upcoming report.

Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.

ServisFirst Bancshares price vs fair value

$45.37$41.02Sep ’25Mar ’26Sep ’26
Close $41.02200-day averageGekko Fair Value $45.37

ServisFirst Bancshares quick facts

Market cap
$4.48B
P/E ratio
14
Forward P/E
22.6
EPS, TTM
$2.94
Revenue, TTM
$585.2M
Profit margin
54.8%
Dividend yield
1.79%
Beta
0.85
Volume
580,082 avg 698,368
1-year return
+0.1%
Typical daily move
±2.3%
Typical 20-day move
±6.2%
50-day average
$43.34
200-day average
$40.50
Next earnings
Oct 19 after close
Shares outstanding
109.3M
52-week range
$33.60$46.04

ServisFirst Bancshares swing-trade checklist

ServisFirst Bancshares scores 2 supportive, 1 mixed and 2 headwinds across the 5 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

2 supportive1 mixed2 headwinds

  • Trendmixed

    Averages disagree

    Close $41.02 sits between the 50-day ($43.34) and 200-day ($40.50) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    66.4, Accumulation

    Reading 66.4 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    9.6% below

    Price is 9.6% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneyno data

    No data

    No insider, Congress or unusual options activity in the window.

    See smart money
  • Earnings riskheadwind

    Reports in 20 days

    Reports on Oct 19, 2026, 20 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalityheadwind

    −5.8% on average

    From this point in the calendar, the next 20 trading days averaged −5.8% over 5 years, rising in 1 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

ServisFirst Bancshares stock chart and price history

ServisFirst Bancshares closed at $41.02 on Sep 28, 2026, +0.1% over the past year, inside a 52-week range of $33.60 to $46.04.

Close50-day average200-day averageVolume
ServisFirst Bancshares share price, past year, with 50-day and 200-day moving averages and volume$35$40$45NovDecJan 2026FebMarAprMayJunJulAugSep41.02

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−5.0%
3 months
−5.9%
6 months
+13.1%
1 year
+0.1%
The full SFBS chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open SFBS in Gekko

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About ServisFirst Bancshares

ServisFirst Bancshares serves as the holding company for ServisFirst Bank, which serves both everyday consumers and business clients with a broad set of banking services. It offers standard deposit accounts such as checking, savings, money market and retirement accounts, along with certificates of deposit. The bank is perhaps best recognized for its wide array of lending products, ranging from commercial credit lines for working capital and equipment purchases to real estate and construction financing, as well as personal loans for vehicles, home equity and other consumer needs.

The company rounds out its offering with everyday banking tools like mobile and online banking, debit and Visa credit cards, direct deposit and ATM access, plus more specialized services including treasury and cash management, wire transfers, remote deposit capture and correspondent banking support for other financial institutions. It also oversees its subsidiary's involvement in residential mortgage and commercial real estate loan participations originated across Alabama, Florida, Georgia and Tennessee, reflecting a customer base spread across both individual and institutional banking relationships.

ServisFirst Bancshares was established in 2005 and is headquartered in Birmingham, Alabama. It operates 23 full-service branches spanning Alabama, Florida, Georgia, South Carolina and Tennessee, in addition to two loan production offices in Florida. Its shares are listed on the NYSE under the ticker SFBS.

Listed
NYSE
Sector
Finance
Industry
Regional banks
Website
servisfirstbank.com

ServisFirst Bancshares GekkoIndex: the smart money zone

ServisFirst Bancshares’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 66.4, in the Accumulation zone, up 0.9 points over five sessions.

010066.4Accumulation

Up 0.9 points over five sessions.

Reading for Sep 28, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying1460.0%0.0%−0.3%+0.2%
Accumulation (current zone)374+0.4%+0.8%+2.5%+5.0%
Neutral601+0.1%+0.2%+0.6%+1.1%
Distribution117−0.1%−0.2%−2.5%−4.8%
Selling16+2.4%−0.2%−3.4%−2.3%

Average SFBS share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the SFBS price, zone by zone.Track SFBS in Gekko

Is ServisFirst Bancshares stock overvalued? Gekko Fair Value

ServisFirst Bancshares trades 9.6% below Gekko Fair Value of $45.37, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what ServisFirst Bancshares shares are worth, recalculated every trading day.

$45.37

Gekko Fair Value, Sep 26, 2026

9.6% Undervalued

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open SFBS in Gekko

ServisFirst Bancshares insider and Congress trading

No open-market insider purchases were filed for ServisFirst Bancshares, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for SFBS in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every SFBS insider filing, plotted on the chart in Gekko.Open SFBS in Gekko

Congress trades last 90 days

No trades in SFBS were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for SFBS, plotted on the chart in Gekko.Open SFBS in Gekko

Buybacks

ServisFirst Bancshares has been buying back its own shares.

Bought back, quarter ended Jun 30, 2026
$649K
As a share of market cap
0.01%

From company filings.

ServisFirst Bancshares earnings: next date and track record

ServisFirst Bancshares reports on Oct 19, 2026, after the close (20 days away), and beat the EPS estimate in 5 of its last 8 reports.

5 of 8reports beat the EPS estimate
±3.3%average move across the report
5 of 8reports followed by a gain

Share-price move across each report

−1.4%Oct ’24+4.2%Jan ’25−0.3%Apr ’25+0.5%Jul ’25−5.4%Oct ’25+11.8%Jan ’26+1.5%Apr ’26+1.0%Jul ’26

Last earnings call, Jul 20, 2026 AI summary

What they said
ServisFirst Bancshares Second Quarter Earnings Call highlighted solid financial performance: strong loan growth (>15% annualized), net interest margin (NIM) expansion to ~3.63% (adjusted 3.58%), improved credit metrics, modest charge-offs, growing pipeline and granular loan growth across regions (notably Florida and Tennessee), and continued investment in Houston regional expansion. Management emphasized balanced deposit growth (non-interest-bearing deposits up 20% annualized) and cautious optimism on loan demand normalization and reduced payoffs. Credit quality remained strong with NPAs decreasing ~ $7M and allowance for loan losses at 1.26%. Net income was $85.8M ($1.57 diluted EPS), up 40% YoY; adjusted EPS up 30% YoY. Return on average assets 1.91% and ROE 17.71%. Management noted continued margin expansion but expects the pace to moderate as the gap between going-on loan rate and portfolio narrows; provided illustrative NIM expansion guidance (4–6 bps per quarter toward year-end after possibly one more quarter of 7–9 bps). Liquidity and balance-sheet flexibility discussed (securities haircutting, ~$260M unpledged securities, mortgage repo unwinds). Capital building creates optionality (acquisitions, stock repurchases possible).
Guidance
Informal forward-looking commentary: management expects continued, but moderating, net interest margin expansion (from adjusted NIM ~3.58%/June spot 3.59%) — previously 7-9 bps quarterly expansion may slow to ~4-6 bps per quarter toward year end; loan growth momentum expected to continue into early third quarter though management declined to give a formal full-year loan growth rate; effective tax rate target below 20%; sensitivity analysis: +25 bps rates => ~$240k NII loss in year one; -25 bps => ~$105k NII gain. No formal numerical revenue or EPS guidance provided.
Risks flagged
Mentioned risks/headwinds: potential geopolitical events (e.g., Middle East tensions) that could slow deal flow; interest rate uncertainty (Fed moves could be hawkish and keep rates neutral or up, affecting sensitivity); deposit volatility due to large client tax payments; concentration risks (CRE ~307% of capital though management comfortable); integration/startup costs in Houston can pressure efficiency ratio until ramped; remaining watch-list/nonaccrual large relationships being resolved via sales. Also noted bank stocks remain depressed relative to historical benchmarks.
ReportedEPSSurpriseRevenueSurpriseMove
Jul 20, 2026$1.57
est $1.57
0.0%$168.5M
est $167.8M
+0.4%+1.0%
Apr 20, 2026$1.52
est $1.51
+0.7%$159.0M
est $162.1M
−1.9%+1.5%
Jan 20, 2026$1.58
est $1.38
+14.5%$162.2M
est $151.8M
+6.8%+11.8%
Oct 20, 2025$1.30
est $1.34
−3.0%$136.3M
est $146.8M
−7.2%−5.4%
Jul 21, 2025$1.21
est $1.20
+0.8%$132.1M
est $147.7M
−10.6%+0.5%
Apr 21, 2025$1.16
est $1.18
−1.7%$131.8M
est $134.1M
−1.7%−0.3%
Jan 27, 2025$1.19
est $1.11
+7.2%$127.9M
est $126.6M
+1.0%+4.2%
Oct 21, 2024$1.10
est $0.98
+12.2%$123.7M
est $120.6M
+2.5%−1.4%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

ServisFirst Bancshares stock forecast and analyst price targets

Analysts’ average 12-month price target for ServisFirst Bancshares is $48.33, +17.8% from the last close, from 1 firm rating the stock in the last 90 days.

$48.33consensus 12-month target, +17.8% from the last close
Buy1
Hold0
Sell0

Each firm’s latest rating in the last 90 days: 1 firm.

Latest analyst actions

DateFirmRatingTargetvs price
Jul 21Piper SandlerBuy, reiterated$94+129.2%
+2.5%average 20-day move after past Accumulation readings
−5.8%average move over the next 20 trading days in the last 5 years
±2.3%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

ServisFirst Bancshares seasonality: the next 20 trading days

Over the next 20 trading days from Sep 29, ServisFirst Bancshares averaged −5.8% across the last 5 years, rising in 1 of them.

Next 20 trading days, by year

−1.2%2021−9.2%2022−10.2%2023+6.6%2024−13.1%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+0.8%4 of 5
Next 10 trading days+0.2%2 of 5
Next 15 trading days−4.4%2 of 5
Next 20 trading days−5.8%1 of 5
Next 30 trading days+0.2%2 of 5

For scale, SFBS’s typical 20-trading-day move in either direction is about 6.2%.

ServisFirst Bancshares market cap and key statistics

ServisFirst Bancshares’s market cap is $4.48B, with a P/E ratio of 14 and revenue of $585.2M over the last twelve months.

Valuation

Market cap
$4.48B
P/E ratio
14
Forward P/E
22.6
EPS, TTM
$2.94
Gekko Fair Value
$45.37

Trading

Volume
580,082
Avg volume, 20 days
698,368
52-week high
$46.04
52-week low
$33.60
Shares outstanding
109.3M

Financials

Revenue, TTM
$585.2M
Profit margin
54.8%
Return on equity
17.3%
Quarterly earnings growth, YoY
+40.1%

Risk and income

Beta
0.85
Typical daily move
±2.3%
Typical 20-day move
±6.2%
Dividend yield
1.79%

ServisFirst Bancshares peers

ServisFirst Bancshares’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
CMCanadian Imperial Bank of Commerce−0.2%Accumulation4.8% below
USBU.S. Bancorp−0.6%Accumulation10.6% below
NUNu−2.4%Buying24.1% below
TFCTruist Financial−1.0%Buying10.3% below
FITBFifth Third Bancorp−0.5%Accumulation11.5% below
MTBM&T Bank−0.3%Accumulation11.2% below

A peer links to its own page where one exists.

In the Buying zone today

Reporting earnings this week

Popular on Gekko

ServisFirst Bancshares stock FAQ

What is ServisFirst Bancshares’s market cap?

ServisFirst Bancshares’s market cap is $4.48B at the Sep 28, 2026 close of $41.02, with 109.3M shares outstanding. The shares trade on a P/E ratio of 14.

What is the ServisFirst Bancshares stock forecast?

The consensus analyst 12-month price target for ServisFirst Bancshares is $48.33, +17.8% from the last close. Of the 1 firm that rated the stock in the last 90 days, 1 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is ServisFirst Bancshares stock overvalued or undervalued?

On Gekko’s estimate ServisFirst Bancshares is undervalued: the Sep 28, 2026 close of $41.02 is 9.6% below Gekko Fair Value of $45.37. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does ServisFirst Bancshares report earnings next?

ServisFirst Bancshares is expected to report on Oct 19, 2026, after the market closes (20 days away). Analysts expect earnings of $0.82 per share on revenue of $174.8M. ServisFirst Bancshares beat the earnings estimate in 5 of its last 8 reports, moving 3.3% on average across the report.

What is ServisFirst Bancshares’s 52-week high and low?

ServisFirst Bancshares’s 52-week high is $46.04 and its 52-week low is $33.60; it closed at $41.02 on Sep 28, 2026, +0.1% over the past year. Over the last five years the shares peaked at $50.69 on Nov 25, 2024.

Is ServisFirst Bancshares stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

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