ServisFirst Bancshares, Inc. (SFBS)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$41.88+2.52%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · SFBS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -11.3% |
| Our one-year growth estimate | diamond | -23.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 12.2 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
SFBS — earnings miss
Dated 2026-10-19
Results of Operations and Financial Condition. On October 19th, 2026, ServisFirst Bancshares, Inc., a Delaware corporation (“ServisFirst”), issued a press release announcing its operating results for the quarter ended September 30, 2026. A copy of the press release is attached as Exhibit 99.1. The information furnished pursuant to Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise s…
Why it matters: Loan loss provision rose to $14.9 million from $11.7 million in Q2. A further rise could weigh on earnings.
Worry ifThe next quarter's loan loss provision exceeds $14.9 million, or net charge-offs rise above 0.21% of average loans.
Less concerning ifProvision is at or below $14.9 million and net charge-offs are at or below 0.21%.
Why it matters: Margin held at 3.63% in Q3 and rose from 3.09% a year earlier. A further rise would extend that gain.
Supportive ifThe next reported net interest margin is above 3.63%.
Worry ifThe next reported net interest margin falls below 3.63%.
Why it matters: Houston expansion raised salary costs in Q3. The next results can show whether growth in that market is keeping pace with those costs.
Watch forThe next report shows higher revenue from Houston and salary costs growing more slowly than revenue.
Also watch forThe next report shows salary costs rising while Houston revenue does not grow.
Why it matters: Loans grew 10.7%, but total deposits slipped 0.1% from a year ago. More deposits would help fund the loan growth.
Supportive ifQuarter-end deposits rise above $14.11 billion, their September 2025 level. Loans keep growing.
Worry ifTotal deposits remain at or below $14.11 billion as loans keep growing.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$97 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $249 loss on $10,000 · 2.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,785 loss on $10,000 · 17.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The board approved repurchases of up to two million shares through December 31, 2027. Reported purchases would show the plan is in use.
Supportive ifA company filing shows shares bought back under the program before December 31, 2027.
Worry ifA filing shows no shares bought back by December 31, 2027. Or the company ends the program early.