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ServisFirst Bancshares, Inc. (SFBS) Stock Analysis

Falling Knife setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $75.67, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and consumer real estate loans (65.8%); Concentration risk — Loan Portfolio: non-owner-occupied commercial real estate (33.6%).

ServisFirst Bancshares is a bank holding company headquartered in Birmingham, Alabama, operating 33 full-service banking offices in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia through its subsidiary bank. With $17.73B total assets, $13.70B... Read more

$75.67+6.0% A.UpsideScore 6.1/10#50 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield2.00%(5y avg 1.53%)Payout26.38%sustainable
Stop $72.24Target $80.18(analyst − 15%)A.R:R 1.2:1
Analyst target$94.33+24.7%3 analysts
$80.18our TP
$75.67price
$94.33mean
$97

Hold if already holding. Not a fresh buy at $75.67, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and consumer real estate loans (65.8%); Concentration risk — Loan Portfolio: non-owner-occupied commercial real estate (33.6%). Chart setup: Death cross, below all MAs, RSI 40, MACD bearish. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 6/9 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 62d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: aggressive.

Val7.7Qual5.9Grw7.6Mom2.8Sent6.0Ins4.8Peer5.7Tech7.9Risk6.16.1OVERALL

Recent Developments — ServisFirst Bancshares, Inc.

Latest news

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Concentration risk — Loan Portfolio: commercial and consumer real estate loans (65.8%)
Concentration risk — Loan Portfolio: non-owner-occupied commercial real estate (33.6%)
Thin upside margin: 6.0%

Key Metrics

P/E (TTM)13.8
P/E (Fwd)10.6
Mkt Cap$4.2B
EV/EBITDA—
Profit Mgn54.0%
ROE16.5%
Rev Growth18.5%
Beta0.90
Dividend2.00%
Rating analysts9

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C0.50bullish
IV42%normal

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliocommercial and consumer real estate loans66%
    10-K Item 1A: '65.8% of our loan portfolio was composed of commercial and consumer real estate loans'
  • HIGHloan_portfolionon-owner-occupied commercial real estate34%
    10-K Item 1: 'non-owner-occupied commercial real estate amounted to approximately $4.60 billion, representing 33.6% of our total loan portfolio'
  • MEDIUMloan_portfolioowner-occupied commercial real estate20%
    10-K Item 1: 'owner-occupied commercial real estate totaled approximately $2.74 billion, representing 20.0% of our total loan portfolio'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Volume
1.7
Ma Position
2.0
Rsi
3.5
Obv
7.0
Below 200-MA (recent, shallow — too early to call)
GatesMomentum 2.8<4.5A.R:R 1.2 < 1.5@spotDeath cross (50MA < 200MA)Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 62d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARFalling KnifeSuitability: Aggressive
RSI
40 · Neutral
↓ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $74.47Resistance $81.22

Price Targets

$72
$80
A.Upside+6.0%
A.R:R1.2:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Momentum score 2.8/10 — below 4.5 minimum
! Reward/Risk 1.2:1 at current price — below 1.5:1 minimum
! Death cross — 50-day MA below 200-day MA

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-20 (62d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SFBS stock a buy right now?

Hold if already holding. Not a fresh buy at $75.67, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and consumer real estate loans (65.8%); Concentration risk — Loan Portfolio: non-owner-occupied commercial real estate (33.6%). Chart setup: Death cross, below all MAs, RSI 40, MACD bearish. Maintain position. Not compelling to add more. Target $80.18 (+6.0%), stop $72.24 (−4.7%), A.R:R 1.2:1. Score 6.1/10, moderate confidence.

What is the SFBS stock price target?

Take-profit target: $80.18 (+6.0% upside). Target $80.18 (+6.0%), stop $72.24 (−4.7%), A.R:R 1.2:1. Stop-loss: $72.24.

What are the risks of investing in SFBS?

Concentration risk — Loan Portfolio: commercial and consumer real estate loans (65.8%); Concentration risk — Loan Portfolio: non-owner-occupied commercial real estate (33.6%); Thin upside margin: 6.0%.

Is SFBS overvalued or undervalued?

ServisFirst Bancshares, Inc. trades at a P/E of 13.8 (forward 10.6). TrendMatrix value score: 7.7/10. Verdict: Hold.

What do analysts say about SFBS?

9 analysts cover SFBS with a consensus score of 4.2/5. Average price target: $94.

What does ServisFirst Bancshares, Inc. do?ServisFirst Bancshares is a bank holding company headquartered in Birmingham, Alabama, operating 33 full-service...

ServisFirst Bancshares is a bank holding company headquartered in Birmingham, Alabama, operating 33 full-service banking offices in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia through its subsidiary bank. With $17.73B total assets, $13.70B in loans, and $14.22B in deposits at December 31, 2025, it earns revenue through commercial and consumer lending and deposit gathering.

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