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SFBS

ServisFirst BancsharesB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The company IR release supports a constructive operating thesis: EPS rose to $1.57, revenue modestly exceeded consensus, loan growth accelerated, NIM improved to 3.63%, efficiency remained below 30%, and management cited positive momentum across markets with a record loan pipeline.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta 0.0.
What can break
Loan growth may slow or require more expensive deposit funding, pressuring net interest margin.
Momentum
41
Value
43
Sentiment
84
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $97.00 · Bull $108.00 · Bear $76.00Analysis 2026-07-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-08

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $49.00
Why
Momentum41 · Δ7d -4.7
Value43 · Δ7d 0.0
Sentiment84 · Δ7d 0.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta 0.0.

Contradictions & invalidation

  • • Loan growth may slow or require more expensive deposit funding, pressuring net interest margin.
  • • Post-print analyst target, rating, and estimate revisions were not identified.
  • • The post-print market reaction was negative despite the revenue beat, with Reuters-reported coverage attributing the decline to credit concerns.

Catalyst clock

2026-07-20

Q2 earnings met EPS expectations, modestly beat revenue, but shares fell on credit concerns

Lead driver: Sentiment · See AI snapshot
Momentum
41
9% active weight
Current posture
7d trendFlat
Δ7d
-4.7
Δ21d
-16.1
Value
43
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-4.8
Sentiment
84
62% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+29.3
Why this grade

Composite grade B. Momentum 41.5 / Value 42.8 / Sentiment 83.9

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-23. Scenario method

B+
Bull case
25%
Probability
Target price
$108.00
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$97.00
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$76.00
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$4.95B
Beta
0.94
Shares Out
54.67M
P/E (TTM)
15.8
P/S (TTM)
7.56
P/FCF (TTM)
16.20
Rev YoY
+6.3%
EPS YoY
+39.6%
Gross Margin
-
Op Margin
+38.1%
Net Debt
$1.43B
Current Ratio
0.10
As of 2026-09-08 • Updated nightlySource: Internal modelMethods & Data