ServisFirst Bancshares Financials

SFBS Stock  USD 96.64  3.39  3.64%   
Based on the key indicators related to ServisFirst Bancshares' liquidity, profitability, solvency, and operating efficiency, ServisFirst Bancshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At this time, ServisFirst Bancshares' Non Currrent Assets Other are comparatively stable compared to the past year. Other Assets is likely to gain to about 16.6 B in 2024, despite the fact that Other Current Liabilities is likely to grow to (26.2 M). Key indicators impacting ServisFirst Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.30.485
Way Down
Slightly volatile
Return On Assets0.00980.0128
Way Down
Slightly volatile
Return On Equity0.120.1437
Fairly Down
Slightly volatile
Debt Equity Ratio0.04270.045
Notably Down
Slightly volatile
Operating Income2.9 MM
Notably Down
Slightly volatile
Current Ratio34.536.32
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for ServisFirst Bancshares includes many different criteria found on its balance sheet. An individual investor should monitor ServisFirst Bancshares' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in ServisFirst Bancshares.

Net Income

106.02 Million

  
Understanding current and past ServisFirst Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of ServisFirst Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in ServisFirst Bancshares' assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in ServisFirst Bancshares' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of ServisFirst Bancshares. Check ServisFirst Bancshares' Beneish M Score to see the likelihood of ServisFirst Bancshares' management manipulating its earnings.

ServisFirst Bancshares Stock Summary

ServisFirst Bancshares competes with Home BancShares, CNB Financial, SouthState, WSFS Financial, and First Bancorp. ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. The company was founded in 2005 and is headquartered in Birmingham, Alabama. Servisfirst Bancs operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 558 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS81768T1088
CUSIP81768T108
LocationAlabama; U.S.A
Business Address2500 Woodcrest Place,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.servisfirstbank.com
Phone205 949 0302
CurrencyUSD - US Dollar

ServisFirst Bancshares Key Financial Ratios

ServisFirst Bancshares Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets8.9B11.9B15.4B14.6B16.1B16.9B
Other Current Liab(11.9M)(12.3M)(13.6M)(18.6M)(27.5M)(26.2M)
Net Debt(465.4M)(2.1B)(4.1B)(749.8M)(2.0B)(1.9B)
Retained Earnings616.6M748.2M911.0M1.1B1.3B1.3B
Accounts Payable11.9M12.3M13.6M18.6M27.5M28.9M
Cash530.1M2.2B4.2B814.5M2.0B2.1B
Other Assets6.8B7.8B9.0B13.8B15.8B16.6B
Total Liab8.1B10.9B14.3B13.3B14.7B15.4B
Total Current Assets1.3B3.1B5.0B751.1M2.1B1.2B
Net Receivables26.3M36.8M34.8M48.4M59.2M62.1M
Inventory(665.0M)(2.3B)(4.3B)248K64.2M67.5M
Other Current Assets665.0M2.3B4.3B(48.4M)2.2B2.3B
Net Tangible Assets828.0M978.4M1.1B1.3B1.5B1.6B
Long Term Debt64.7M64.7M64.7M64.7M64.7M57.1M
Long Term Debt Total64.7M64.7M64.7M64.7M74.4M54.5M
Capital Surpluse218.5M219.8M223.9M226.4M260.4M202.4M
Intangible Assets14.2M13.9M13.6M13.6M15.7M10.9M

ServisFirst Bancshares Key Income Statement Accounts

The reason investors look at the income statement is to determine what ServisFirst Bancshares' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense103.2M51.0M31.8M88.4M402.3M422.4M
Total Revenue311.6M368.2M418.0M504.3M813.2M853.9M
Gross Profit284.2M352.7M390.8M473.2M813.2M853.9M
Operating Income186.9M214.2M253.3M397.2M3.0M2.9M
Ebit186.9M(2.5M)276K8.5M3.0M2.9M
Ebitda190.8M1.6M4.7M12.7M3.0M2.9M
Cost Of Revenue27.4M15.5M27.2M31.1M33.3M22.8M
Income Before Tax186.9M214.2M253.3M308.8M244.6M136.4M
Net Income149.2M169.6M207.7M251.5M206.9M106.0M
Income Tax Expense37.6M44.6M45.6M57.3M37.7M30.3M
Tax Provision37.6M44.6M45.6M57.3M49.0M44.6M
Net Interest Income287.6M338.0M384.5M470.9M431.6M336.4M
Interest Income390.8M389.0M416.3M559.3M754.5M426.8M

ServisFirst Bancshares Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(51.3M)1.6B2.0B(3.4B)1.3B1.4B
Free Cash Flow161.9M189.0M256.9M269.0M193.4M117.8M
Depreciation4.0M4.1M4.4M4.1M4.4M2.9M
Other Non Cash Items19.6M41.7M60.0M57.5M29.9M33.4M
Capital Expenditures2.4M2.3M9.4M3.7M3.9M5.9M
Net Income149.2M169.6M207.7M251.5M206.9M106.0M
End Period Cash Flow630.6M2.2B4.2B816.1M2.1B2.2B
Investments(988.3M)(1.4B)(1.5B)(2.6B)(556.0M)(583.8M)
Change Receivables(4.9M)(3.4M)(10.6M)2.0M1.8M1.9M
Net Borrowings182.0M380.8M860.2M(93.0M)(106.9M)(101.6M)
Dividends Paid24.1M28.3M32.6M37.5M45.8M48.1M
Change To Netincome19.6M21.5M35.8M58.1M66.8M70.1M

ServisFirst Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining ServisFirst Bancshares's current stock value. Our valuation model uses many indicators to compare ServisFirst Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ServisFirst Bancshares competition to find correlations between indicators driving ServisFirst Bancshares's intrinsic value. More Info.
ServisFirst Bancshares is rated second in return on equity category among its peers. It is rated fourth in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for ServisFirst Bancshares is roughly  10.90 . At this time, ServisFirst Bancshares' Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value ServisFirst Bancshares by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

ServisFirst Bancshares Systematic Risk

ServisFirst Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. ServisFirst Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on ServisFirst Bancshares correlated with the market. If Beta is less than 0 ServisFirst Bancshares generally moves in the opposite direction as compared to the market. If ServisFirst Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one ServisFirst Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of ServisFirst Bancshares is generally in the same direction as the market. If Beta > 1 ServisFirst Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in ServisFirst Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various ServisFirst Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of ServisFirst Bancshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.92)

At this time, ServisFirst Bancshares' Price Earnings To Growth Ratio is comparatively stable compared to the past year.

ServisFirst Bancshares November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of ServisFirst Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ServisFirst Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of ServisFirst Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing ServisFirst Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ServisFirst Bancshares's daily price indicators and compare them against related drivers.

Additional Tools for ServisFirst Stock Analysis

When running ServisFirst Bancshares' price analysis, check to measure ServisFirst Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ServisFirst Bancshares is operating at the current time. Most of ServisFirst Bancshares' value examination focuses on studying past and present price action to predict the probability of ServisFirst Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ServisFirst Bancshares' price. Additionally, you may evaluate how the addition of ServisFirst Bancshares to your portfolios can decrease your overall portfolio volatility.