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Upturn AI SWOT - About
SFBS 
ServisFirst Bancshares Inc (SFBS)
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Upturn Advisory Summary
03/27/2025: SFBS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -10.14% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.42B USD | Price to earnings Ratio 19.45 | 1Y Target Price 98 |
Price to earnings Ratio 19.45 | 1Y Target Price 98 | ||
Volume (30-day avg) 239536 | Beta 0.92 | 52 Weeks Range 57.15 - 100.56 | Updated Date 04/1/2025 |
52 Weeks Range 57.15 - 100.56 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.62% | Basic EPS (TTM) 4.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 49.54% | Operating Margin (TTM) 67.42% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 14.87% |
Valuation
Trailing PE 19.45 | Forward PE 22.57 | Enterprise Value 4126714624 | Price to Sales(TTM) 9.83 |
Enterprise Value 4126714624 | Price to Sales(TTM) 9.83 | ||
Enterprise Value to Revenue 9.5 | Enterprise Value to EBITDA - | Shares Outstanding 54582000 | Shares Floating 50083935 |
Shares Outstanding 54582000 | Shares Floating 50083935 | ||
Percent Insiders 7.41 | Percent Institutions 74.89 |
Analyst Ratings
Rating 3 | Target Price 97 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ServisFirst Bancshares Inc
Company Overview
History and Background
ServisFirst Bancshares, Inc. was founded in 2005 and is headquartered in Birmingham, Alabama. It was created to offer commercial banking services in the Southeast. The bank has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other banking services to businesses and individuals.
- Private Banking: Offers specialized financial services tailored to high-net-worth individuals and families.
- Mortgage Lending: Originates and services residential mortgage loans.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
Tom Broughton serves as the Chairman, President, and CEO. The company has a traditional corporate structure with executive management overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment purchases, and real estate. ServisFirst competes with regional and national banks for commercial lending. Market share data is not easily accessible, depends on MSA.
- Commercial Deposits: Checking, savings, and money market accounts for businesses. Competitors include other regional and national banks. Market share data is not easily accessible.
- Private Banking Services: Customized banking solutions for high net worth individuals. Competitors include other regional and national banks and Wealth Management firms. Market share data is not easily accessible.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, potential economic slowdown, and increased regulatory scrutiny. Fintech companies also present competitive pressure.
Positioning
ServisFirst positions itself as a relationship-focused bank providing personalized service to businesses and high-net-worth individuals. Its competitive advantage lies in its experienced bankers and efficient operations.
Total Addressable Market (TAM)
The TAM for commercial banking in the Southeast is substantial, encompassing businesses of all sizes. ServisFirst's positioning allows it to capture a segment of this market through relationship banking.
Upturn SWOT Analysis
Strengths
- Strong credit quality
- Experienced management team
- Focus on relationship banking
- Efficient operations
- Strong presence in the Southeast
Weaknesses
- Concentration in the Southeast
- Limited branch network compared to larger banks
- Higher reliance on commercial real estate lending
- Smaller size may limit investment in technology
Opportunities
- Expansion into new markets within the Southeast
- Increased demand for private banking services
- Acquisition opportunities
- Leveraging technology to enhance customer service
Threats
- Economic slowdown
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Credit risk
Competitors and Market Share
Key Competitors
- PNC
- Regions Financial Corporation (RF)
- Truist Financial Corporation (TFC)
Competitive Landscape
ServisFirst competes with larger regional and national banks. Its advantage is personalized service and local expertise, but it lacks the scale and resources of larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: The bank has grown organically and through acquisitions in the Southeast.
Future Projections: Analysts project continued growth driven by expansion in existing markets and potential acquisitions. Specific numbers are not provided in this example.
Recent Initiatives: Recent initiatives include expanding into new markets and investing in technology to improve customer service.
Summary
ServisFirst is a strong regional bank focusing on relationship banking in the Southeast. Its strengths include experienced management and efficient operations. It faces challenges from larger competitors and potential economic slowdown but has opportunities to expand and leverage technology. Overall it is a solid bank with a clear strategy in a competitive sector.
Similar Companies
FITB
Fifth Third Bancorp
FITB
Fifth Third Bancorp
KEY
KeyCorp
KEY
KeyCorp
RF
Regions Financial Corporation
RF
Regions Financial Corporation
TFC
Truist Financial Corp
TFC
Truist Financial Corp
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ServisFirst Bancshares Inc
Exchange NYSE | Headquaters Birmingham, AL, United States | ||
IPO Launch date 2014-05-14 | Chairman, President & CEO Mr. Thomas Ashford Broughton III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 630 | Website https://www.servisfirstbank.com |
Full time employees 630 | Website https://www.servisfirstbank.com | ||
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, including 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, 1-4 family residential real estate loans, and construction, and development 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, Internet banking, direct deposit, traveler's checks, safe deposit boxes, attorney trust accounts, automatic account transfers, automated teller machines, and debit and credit card systems; 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. The company was founded in 2005 and is headquartered in Birmingham, Alabama.
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