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SFBS

ServisFirst BancsharesC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Second-quarter net interest income increased to $155.6 million from $148.1 million sequentially, and margin rose to 3.63% from 3.53%. Sustained profitable loan growth with better deposit gathering and stabilization of the identified real-estate credit could support the bull target.
Posture
Mixed
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-10-24.
What can break
A $1.9 million recovery of interest from a previously nonaccrual credit added five basis points to the sequential loan-yield increase; that benefit may not recur. [#PR-2026-07-20]
Momentum
36
Value
49
Sentiment
55
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $42.00 · Bull $48.00 · Bear $32.00Analysis 2026-10-01; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-01 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $46.00
Why
Momentum36 · Δ7d +1.1
Value49 · Δ7d -0.7
Sentiment55 · Δ7d -4.0
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-24.
  • • Sentiment remains the lead driver in the composite, 7D delta -4.0.

Contradictions & invalidation

  • • A $1.9 million recovery of interest from a previously nonaccrual credit added five basis points to the sequential loan-yield increase; that benefit may not recur. [#PR-2026-07-20]
  • • Second-quarter ending deposits grew much more slowly than loans, creating a funding-mix and cost-of-funds risk. [#PR-2026-07-20]
  • • Ending-loan growth outpaced deposit growth substantially in the second quarter, and nonperforming assets remained elevated year over year because of a large real-estate-secured relationship.

Catalyst clock

2026-10-09

Declared quarterly dividend payment

Lead driver: Sentiment · See AI snapshot
Momentum
36
8% active weight
Current posture
7d trendFlat
Δ7d
+1.1
Δ21d
-5.5
Value
49
47% active weight
Current posture
7d trendFlat
Δ7d
-0.7
Δ21d
-7.0
Sentiment
55
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.0
Δ21d
-12.2
Why this grade

Composite grade C. Momentum 36.0 / Value 48.9 / Sentiment 55.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-01. Scenario method

B+
Bull case
25%
Probability
Target price
$48.00
Analysis reference price unavailable
Analysis 2026-10-01 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-10-01 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$32.00
Analysis reference price unavailable
Analysis 2026-10-01 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.51B
Beta
0.94
Shares Out
109.3M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data