ServisFirst Bancshares, Inc.

ServisFirst Bancshares, Inc.

SFBSยทNYSE

$75.63

-0.36%
Financial ServicesBanks - Regional

ServisFirst Bancshares, Inc. operates as the bank holding company for ServisFirst Bank that provides various banking services to individual and corporate customers. It accepts demand, time, savings, and other deposits; checking, money market, and IRA accounts; and certificates of deposit. The company's loan products include commercial lending products, such as seasonal, bridge, and term loans for working capital, expansion of the business, acquisition of property, and plant and equipment, as well as commercial lines of credit; commercial real estate loans, construction and development loans, and residential real estate loans; and consumer loans, such as home equity loans, vehicle financing, loans secured by deposits, and secured and unsecured personal loans. It also offers other banking products and services comprising telephone and mobile banking, direct deposit, Internet banking, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit card systems, as well as Visa credit cards; treasury and cash management services; wire transfer, night depository, banking-by-mail, and remote capture services; and correspondent banking services to other financial institutions. In addition, the company holds and manages participations in residential mortgages and commercial real estate loans originated by ServisFirst Bank in Alabama, Florida, Georgia, and Tennessee. It operates 23 full-service banking offices located in Alabama, Florida, Georgia, South Carolina, and Tennessee, as well as 2 loan production offices in Florida. The company was founded in 2005 and is headquartered in Birmingham, Alabama.

At a Glance

Live Snapshot
Market Cap$4.13B
EPS5.0600
P/E Ratio14.95
Earnings Date07/20/2026
ServisFirst Bancshares, Inc.

ServisFirst Bancshares, Inc. Fair Value Envelope

SFBS ยท NYSE

Our analysis suggests that SFBS has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $75.63, this represents a potential HIDDEN relative to our calculated worth for ServisFirst Bancshares, Inc..

Intrinsic Value
Current Price: $75.63

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$104.5B
+ Cash & Equivalents$95.1M
Firm Value$104.6B
- Debt$1.5B
Equity Value$103.1B
/ Shares Outstanding54,621,834B
DCF Value$1.9K
UNDERVALUED BY 2397%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$499.7M
$703.0M
$989.0M
$1.4B
$2.0B
$2.8B
$3.9B
$5.4B
$7.7B
$10.8B
Maintenance CapEx
-$1.7M
-$2.4M
-$3.3M
-$4.7M
-$6.5M
-$9.2M
-$13.0M
-$18.2M
-$25.6M
-$36.1M
Owner Earnings
$498.0M
$700.6M
$985.6M
$1.4B
$2.0B
$2.7B
$3.9B
$5.4B
$7.6B
$10.7B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$461.1M
$600.7M
$782.4M
$1.0B
$1.3B
$1.7B
$2.3B
$2.9B
$3.8B
$5.0B
Terminal Value represents 81.0% of Enterprise Value