ServisFirst Bancshares Inc. (SFBS)

NYSE: SFBS · State Commercial Banks · Birmingham, AL · filing with the SEC since 2008

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Grade5.2

◀ Past 3.4● Present 7.1▶ Future 5.6

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of ServisFirst Bancshares Inc.

Nine metrics read from its own filings, by tense

Headline grade

5.2/10

◀ Past3.440% of the headline

● Present7.135% of the headline

▶ Future5.625% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

3.4/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

1.2/10

Has it survived what it has been through?

3 warning events since 2017; the latest 2024-03-01.

weight 45% of this tense · 12th percentile among 165 sector filers · read for itself

From the record

ServisFirst Bancshares Inc.'s filings since 2017 show 3 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2021-06-09); an auditor change (8-K item 4.01, the latest 2022-06-03); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2024-03-01) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

6.6/10

What has it actually done, year after year?

+18.6% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 66th percentile among 152 sector filers · read for its customers

From the record

ServisFirst Bancshares Inc.'s 10 filed years say what it did: revenue went from $213 million in fiscal 2016 to $990 million in fiscal 2025, up 18.6% a year; it rose in 8 of 9 years; the deepest fall was 0% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span18.6%top 22% of its family
the share of years revenue rosetop 39% of its family
the share of filed years with a profittop 44% of its family
the deepest fall from a revenue peak0.5%top 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

4.2/10

How has it treated the people who own it?

Share count grew 0.1% a year. 23% of cash flow returned. Insiders: 2 sales, 0 purchases.

weight 33% of this tense · 42nd percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, ServisFirst Bancshares Inc.'s diluted share count grew about 0.1% a year, and dividends and buybacks returned about 23% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 2 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 44% of its family
cash returned against operating cash flowbottom 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.1/1035% of the headline grade · 3 of 3 filed

Financial health

as filed

6.5/10

Is it financially healthy right now?

ROE 15%: 15¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.

weight 45% of this tense · 65th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, ServisFirst Bancshares Inc. earned about 15 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 0.1% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 41% of its family
return on equitytop 3% of its family
the share count against the year beforetop 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

7.7/10

How strong is its position in its industry?

top 24% of 155 in its family; net margin 27.9%.

weight 33% of this tense · 76th percentile among 155 sector filers · read for its customers

From the record

ServisFirst Bancshares Inc.'s standing among 155 graded names in its industry family: revenue of $990 million in fiscal 2025 ranks in the top 22% by size; a net margin of 27.9% ranks in the top 21%; revenue growth of 21% a year over the last 3 filed years ranks in the top 28% (its annual reports).

What it rests on

revenue against the family$990Mtop 22% of its family
net margin27.9%top 21% of its family
three-year revenue growth21.0%top 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed

7.4/10

What are the people in charge doing?

top 26% of 150 in its family for leadership; chief executive since 2008.

weight 22% of this tense · 74th percentile among 150 sector filers · read for its shareholders

From the record

ServisFirst Bancshares Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Broughton, Thomas A (Chairman, President, & CEO, as filed), filing under that title since 2008-05-27, 18.5 years (top 10% of its family); the 9 officers and directors filing in the last fifteen months have been on the record a median of 12.4 years (top 12%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 9 people in charge now (bottom 46%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

officer and director changes on Form 8-K, against the people in charge3 in three years among 9 peoplebottom 46% of its family
the median years the people in charge have filed12.4 yearstop 12% of its family
the chief executive's years on the record18.5 yearstop 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.6/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate

8.7/10

How much room does it have to grow?

SI estimate 8.7/10, confidence 35 of 100 (one part).

weight 33% of this tense · 87th percentile among 162 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, cash from operations less capital spending against revenue, which ranks in the top 13% of 162 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read: The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned: one part: cash from operations less capital spending against revenue, the one part on file, ranked among 162 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: ServisFirst Bancshares Inc.'s room to expand is put at 8.7 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the top 13% of 162 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed

3.5/10

What could actually drive growth from here?

bottom 35% of 152 in its family for growth drivers.

weight 33% of this tense · 35th percentile among 152 sector filers · read for its customers

From the record

ServisFirst Bancshares Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 21% a year over the last three filed years against 18.6% over all 10, speeding up (bottom 38% of its family); the newest year grew 4.7% (top 48%); capital spending grew -25.4% a year (bottom 14%) (its annual reports). ServisFirst Bancshares Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+2.3 points a yearbottom 38% of its family
the newest year's revenue growth4.7%top 48% of its family
three-year growth of capital spending-25.4%bottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

4.7/10

Did its newest year beat what its own record pointed to?

bottom 47% of 150 in its family for expectations against reality.

weight 33% of this tense · 47th percentile among 150 sector filers · read for its shareholders

From the record

ServisFirst Bancshares Inc.'s newest year against its own record: revenue of $990 million in fiscal 2025 came in 19.5% below the $1.2 billion its prior three years' pace pointed to (bottom 31% of its family); net income of $277 million against a prior three-year average of $229 million (top 36%); a net margin of 27.9% against 31.5% before (bottom 46%) (its annual reports).

What it rests on

revenue against the prior three years' pace-19.5%bottom 31% of its family
net income against the prior three years' average+21%top 36% of its family
net margin against its prior average-3.5 pointsbottom 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton SFBS · research, not advice