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.
-12.4%
0.83
32.42%
S&P 500
17.45%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.55%
EBIT Growth (5y)
9.32%
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
27.37%
Pledged Shares
0
Institutional Holding
78.40%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
2.42
EV to EBIT
14.59
EV to EBITDA
14.37
EV to Capital Employed
2.24
EV to Sales
4.51
PEG Ratio
0.63
Dividend Yield
1.75%
ROCE (Latest)
15.36%
ROE (Latest)
14.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 256.45 MM
NII(Q)
Highest at USD 146.52 MM
ROCE(HY)
Highest at 1.58%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(Q)
Highest at 1.23%
NET SALES(Q)
Highest at USD 251.39 MM
OPERATING PROFIT(Q)
Highest at USD 107.61 MM
OPERATING PROFIT MARGIN(Q)
Highest at 42.81 %
PRE-TAX PROFIT(Q)
Highest at USD 107.61 MM
NET PROFIT(Q)
Highest at USD 86.38 MM
EPS(Q)
Highest at USD 1.58
-2What is not working for the Company
ROCE(HY)
Lowest at 1.58%
Here's what is working for ServisFirst Bancshares, Inc.
NII
Highest at USD 146.52 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 256.45 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)
Credit Deposit Ratio
Highest at 1.23% and Grown
In each half year 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 (%)
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)
Net Sales
Highest at USD 251.39 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 107.61 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 42.81 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 107.61 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 86.38 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 11.66%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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