ServisFirst Bancshares, Inc. (SFBS)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$43.13+1.48%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -40.9% |
| Our one-year growth estimate | diamond | -18.1% |
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 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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 22.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
SFBS — earnings in line
Dated 2026-07-20
Results of Operations and Financial Condition. On July 20, 2026, ServisFirst Bancshares, Inc., a Delaware corporation (“ServisFirst”), issued a press release announcing its operating results for the quarter ended June 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 subject to…
Why it matters: Loan growth rates affect how much money a company makes and its market position. Slower growth may mean problems.
Worry ifLoan growth is over 7% each year. This shows strong demand and good management.
Less concerning ifLoan growth is below 5% each year. This suggests weak demand or competition.
Why it matters: A bigger net interest margin means better profits on loans and deposits. This helps performance.
Supportive ifNet interest margin exceeds 3.70% in Q3.
Worry ifNet interest margin declines below 3.50% in Q3.
Why it matters: A drop in revenue growth may show a weak financial sector. This can hurt ServisFirst.
Worry ifRevenue growth reported below 12% for the quarter.
Less concerning ifRevenue growth is at or above 12%. This shows stability.
Why it matters: More dividends show strong financial health. It shows a commitment to giving value to shareholders.
Supportive ifAnnouncement of a dividend increase above $0.38 per share in Q4.
Worry ifNo dividend increase announced in Q4.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$111 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $251 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 | $2,223 loss on $10,000 · 22.2% | 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: Changes in dividends show financial health. They show how much management cares about shareholders.
Watch forDividend increases beyond $0.38 per share, indicating strong cash flow.
Also watch forDividend stays at $0.38 or goes down. This shows possible cash flow problems.
Why it matters: Slow deposit growth may mean trouble in getting customer funds. This affects overall liquidity.
Worry ifTotal deposits grow less than 3% in Q3 compared to Q2.
Less concerning ifTotal deposits grow more than 5% in Q3.
Why it matters: Rising dividends show strong financial health. It shows a commitment to shareholders.
Supportive ifQuarterly dividend increases from $0.38 in Q2 to at least $0.40 in Q3.
Worry ifDividend remains at $0.38 in Q3.
Why it matters: A dividend increase shows good use of capital. It matches management's goals.
Supportive ifAnnouncement of a dividend increase after the stock split on August 20, 2026.
Worry ifNo announcement of a dividend increase after the stock split.
Why it matters: Loan growth shows strong demand. It also means good lending strategies and financial health.
Supportive ifLoans reported above $14.5 billion in the next quarter.
Worry ifLoans reported below $14.0 billion in the next quarter.
Why it matters: A low efficiency ratio means good cost management. This can lead to more profit.
Supportive ifEfficiency ratio stays below 30% in Q3.
Worry ifEfficiency ratio goes above 32% in Q3.
Why it matters: Strong loan growth shows high demand and good management. This supports growth.
Supportive ifQ3 loan growth exceeds 15% annualized compared to Q2.
Worry ifLoan growth falls below 10% annualized in Q3.