ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is ServisFirst Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 9.44%
2
Positive results in Jun 25
- NII(Q) Highest at USD 131.69 MM
- OPERATING CASH FLOW(Y) Highest at USD 266.74 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.97%, it has a expensive valuation with a 2.46 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -20.56%, its profits have risen by 20.9% ; the PEG ratio of the company is 0.8
4
Below par performance in long term as well as near term
- Along with generating -20.56% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to ServisFirst Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ServisFirst Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
ServisFirst Bancshares, Inc.
5.33%
0.83
32.42%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.55%
EBIT Growth (5y)
9.24%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.38%
Pledged Shares
0
Institutional Holding
79.99%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
2.14
EV to EBIT
12.48
EV to EBITDA
12.31
EV to Capital Employed
2.01
EV to Sales
4.25
PEG Ratio
0.66
Dividend Yield
1.91%
ROCE (Latest)
16.08%
ROE (Latest)
14.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 377.4 MM
NII(Q)
Highest at USD 148.15 MM
ROCE(HY)
Highest at 1.61%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 96.27%
-4What is not working for the Company
ROCE(HY)
Lowest at 1.61%
GROSS NPA (%)
(Q
Here's what is working for ServisFirst Bancshares, Inc.
NII
Highest at USD 148.15 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 377.4 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 96.27%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for ServisFirst Bancshares, Inc.
Non Performing Loans (%)
Highest at 1.28%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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