ServisFirst Bancshares (SFBS) Stock Analysis & Winston Score

ServisFirst Bancshares is a regional bank headquartered in Birmingham, Alabama. It offers everyday banking services like loans, deposits, and treasury management, mainly to small and mid-sized businesses. It operates branches across the southeastern United States, with a presence in states like Alabama, Georgia, Florida, Tennessee, and the Carolinas.

ServisFirst makes money primarily by collecting interest on loans it issues to business customers, and by charging fees for banking services. The bank is known for a lean, relationship-driven model where bankers focus heavily on commercial clients rather than retail consumers, which helps keep costs relatively low. The main risk the company faces is rising loan losses if the economy slows down and business borrowers struggle to repay their debts, since its portfolio is heavily concentrated in commercial lending.

Winston Score History

Politician Trades

3 trades / 12mo

2 Congressional buys and 1 sell on SFBS in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+1.2% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+31.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

6.6%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$101M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

ServisFirst Bancshares is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.4% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 54.4M (2021) → 54.7M (2025)

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

58.8%

Premium pricing power — 58.8% gross margin

Operating Margin

40.0%

Excellent — 40.0% operating margin

ROCE

2.9%

Weak — 2.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+3.0%

Nearly flat sales (3.0% YoY)

EPS YoY

+22.9%

Earnings growing fast (22.9% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

127%

Turns 127% of profit into real cash

FCF Margin

35.8%

Converts sales into free cash efficiently (35.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.83

Moderate — manageable debt (0.83)

Interest Cover

0.84x

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

16.0x

Fair value — P/E 16.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+2.5

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

1.70%

Small dividend — 1.70% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+13.0%

Dividend growing fast (13.0% YoY)

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