Servisfirst Bancshares (SFBS)
Market Price (2/10/2026): $86.28 | Market Cap: $4.7 BilSector: Financials | Industry: Regional Banks
Servisfirst Bancshares (SFBS)
Market Price (2/10/2026): $86.28Market Cap: $4.7 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.9%, FCF Yield is 6.8% | Trading close to highsDist 52W High is -4.7% | Expensive valuation multiplesP/SPrice/Sales ratio is 8.9x |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -35% | Weak multi-year price returns3Y Excs Rtn is -39% | Key risksSFBS key risks include [1] deteriorating asset quality from its significant concentration in commercial real estate lending and [2] net interest margin compression due to its liability-sensitive balance sheet facing intense deposit competition. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 61%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 60% | Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 12.68 | |
| Low stock price volatilityVol 12M is 35% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.9%, FCF Yield is 6.8% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -35% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 61%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 60% |
| Low stock price volatilityVol 12M is 35% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Trading close to highsDist 52W High is -4.7% |
| Weak multi-year price returns3Y Excs Rtn is -39% |
| Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 12.68 |
| Expensive valuation multiplesP/SPrice/Sales ratio is 8.9x |
| Key risksSFBS key risks include [1] deteriorating asset quality from its significant concentration in commercial real estate lending and [2] net interest margin compression due to its liability-sensitive balance sheet facing intense deposit competition. |
Qualitative Assessment
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1. Strong Fourth Quarter 2025 Financial Performance: ServisFirst Bancshares reported robust fourth-quarter 2025 results that significantly surpassed analyst expectations for both revenue and earnings per share (EPS). Diluted EPS for the quarter was $1.58, marking a 32% increase from the third quarter of 2025 and a 33% increase from the fourth quarter of 2024. Revenue also saw substantial year-over-year growth, climbing 22.9% to $162.2 million, exceeding consensus estimates.
2. Healthy Net Interest Margin (NIM) Expansion: The company demonstrated strong growth in its net interest margin, which increased throughout 2025, rising from 2.92% in the first quarter to 3.38% in the fourth quarter. This expansion was attributed to disciplined loan pricing strategies, including a 40% increase in loan fee collection, and was further boosted by reductions in deposit rates during the fourth quarter.
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Stock Movement Drivers
Fundamental Drivers
The 23.4% change in SFBS stock from 10/31/2025 to 2/9/2026 was primarily driven by a 20.7% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2092026 | Change |
|---|---|---|---|
| Stock Price ($) | 69.90 | 86.24 | 23.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 516 | 528 | 2.4% |
| Net Income Margin (%) | 48.4% | 48.4% | -0.2% |
| P/E Multiple | 15.3 | 18.4 | 20.7% |
| Shares Outstanding (Mil) | 55 | 55 | 0.0% |
| Cumulative Contribution | 23.4% |
Market Drivers
10/31/2025 to 2/9/2026| Return | Correlation | |
|---|---|---|
| SFBS | 23.4% | |
| Market (SPY) | 1.7% | 37.2% |
| Sector (XLF) | 3.0% | 43.2% |
Fundamental Drivers
The 10.7% change in SFBS stock from 7/31/2025 to 2/9/2026 was primarily driven by a 6.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 7312025 | 2092026 | Change |
|---|---|---|---|
| Stock Price ($) | 77.91 | 86.24 | 10.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 498 | 528 | 6.0% |
| Net Income Margin (%) | 48.3% | 48.4% | 0.2% |
| P/E Multiple | 17.7 | 18.4 | 4.3% |
| Shares Outstanding (Mil) | 55 | 55 | -0.1% |
| Cumulative Contribution | 10.7% |
Market Drivers
7/31/2025 to 2/9/2026| Return | Correlation | |
|---|---|---|
| SFBS | 10.7% | |
| Market (SPY) | 10.1% | 40.4% |
| Sector (XLF) | 3.3% | 52.8% |
Fundamental Drivers
The -3.2% change in SFBS stock from 1/31/2025 to 2/9/2026 was primarily driven by a -22.5% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2092026 | Change |
|---|---|---|---|
| Stock Price ($) | 89.06 | 86.24 | -3.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 444 | 528 | 18.9% |
| Net Income Margin (%) | 46.0% | 48.4% | 5.2% |
| P/E Multiple | 23.8 | 18.4 | -22.5% |
| Shares Outstanding (Mil) | 55 | 55 | -0.1% |
| Cumulative Contribution | -3.2% |
Market Drivers
1/31/2025 to 2/9/2026| Return | Correlation | |
|---|---|---|
| SFBS | -3.2% | |
| Market (SPY) | 16.3% | 57.9% |
| Sector (XLF) | 5.9% | 64.5% |
Fundamental Drivers
The 33.8% change in SFBS stock from 1/31/2023 to 2/9/2026 was primarily driven by a 25.2% change in the company's P/E Multiple.| (LTM values as of) | 1312023 | 2092026 | Change |
|---|---|---|---|
| Stock Price ($) | 64.44 | 86.24 | 33.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 471 | 528 | 12.1% |
| Net Income Margin (%) | 50.4% | 48.4% | -4.1% |
| P/E Multiple | 14.7 | 18.4 | 25.2% |
| Shares Outstanding (Mil) | 54 | 55 | -0.6% |
| Cumulative Contribution | 33.8% |
Market Drivers
1/31/2023 to 2/9/2026| Return | Correlation | |
|---|---|---|
| SFBS | 33.8% | |
| Market (SPY) | 77.1% | 46.8% |
| Sector (XLF) | 54.3% | 60.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| SFBS Return | 113% | -18% | -1% | 29% | -14% | 20% | 130% |
| Peers Return | 25% | 20% | -5% | 27% | 6% | 11% | 112% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 1% | 85% |
Monthly Win Rates [3] | |||||||
| SFBS Win Rate | 92% | 42% | 42% | 67% | 67% | 100% | |
| Peers Win Rate | 62% | 63% | 48% | 58% | 57% | 100% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| SFBS Max Drawdown | -0% | -24% | -41% | -11% | -19% | 0% | |
| Peers Max Drawdown | -2% | -6% | -31% | -8% | -16% | -0% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FHN, RF, BANF, IBOC, CBSH.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/9/2026 (YTD)
How Low Can It Go
| Event | SFBS | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -57.8% | -25.4% |
| % Gain to Breakeven | 136.9% | 34.1% |
| Time to Breakeven | 525 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -38.5% | -33.9% |
| % Gain to Breakeven | 62.7% | 51.3% |
| Time to Breakeven | 253 days | 148 days |
| 2018 Correction | ||
| % Loss | -34.4% | -19.8% |
| % Gain to Breakeven | 52.4% | 24.7% |
| Time to Breakeven | 498 days | 120 days |
Compare to FHN, RF, BANF, IBOC, CBSH
In The Past
Servisfirst Bancshares's stock fell -57.8% during the 2022 Inflation Shock from a high on 4/1/2022. A -57.8% loss requires a 136.9% gain to breakeven.
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About Servisfirst Bancshares (SFBS)
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```htmlHere are 1-2 brief analogies for Servisfirst Bancshares (SFBS):
- It's a rapidly growing regional bank for businesses in the Southeastern U.S., much like a smaller PNC Bank or U.S. Bank.
- It's a high-service commercial bank primarily for businesses and high-net-worth clients in the Southeast, similar to a more specialized and growth-oriented Regions Financial (RF).
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Servisfirst Bancshares Major Products and Services
- Commercial Banking Services: Provides loans (commercial real estate, commercial and industrial), deposit accounts, and treasury management solutions to businesses.
- Private Banking Services: Offers personalized financial management, wealth planning, specialized lending, and trust services to high-net-worth individuals and families.
- Retail Banking Services: Delivers traditional banking products such as checking and savings accounts, certificates of deposit, and various consumer loans (e.g., mortgages) to individuals.
- Correspondent Banking Services: Furnishes banking services and support to other financial institutions.
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Due to the confidential nature of banking relationships, Servisfirst Bancshares (SFBS) does not publicly disclose the names of its specific major customers. However, based on their publicly stated business model and service offerings, Servisfirst Bancshares primarily serves the following categories of customers:
- Commercial Businesses: Servisfirst Bank focuses heavily on providing banking services to a diverse range of businesses, from small and medium-sized enterprises to larger corporations. These services include commercial loans, lines of credit, treasury management, and other business banking solutions.
- Professionals and High-Net-Worth Individuals (Private Banking): The bank caters to affluent individuals, executives, and various professionals (e.g., doctors, lawyers, entrepreneurs) through its private banking division, offering personalized financial services, wealth management, tailored lending products, and concierge-level banking.
- Correspondent Banks and Other Financial Institutions: Servisfirst also provides correspondent banking services to other banks and financial institutions, facilitating interbank transactions, check clearing, and other essential financial services for these entities.
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```htmlThomas Ashford Broughton III, Chairman, President & CEO
Thomas A. Broughton III co-founded First Commercial Bank in 1985, serving as its President. After its acquisition by Synovus in 1992, he continued as President and CEO of First Commercial Bank and later as Regional CEO for Synovus, overseeing operations in Alabama, Florida, Tennessee, and parts of Georgia, until his retirement in 2004. In 2005, he founded ServisFirst Bank, raising $35 million in capital, which was the largest bank startup in Alabama at the time. He also founded and organized ServisFirst Bancshares, Inc., leading its Initial Public Offering (IPO) in May 2014. American Banker named him "Community Banker of the Year" in 2009.
David Sparacio, Executive Vice President & CFO
David Sparacio assumed the role of Chief Financial Officer on March 10, 2025, bringing over three decades of experience in banking and financial management. He is responsible for the Bank's financial strategy, regulatory reporting, and accounting operations. Prior to joining ServisFirst Bank, Sparacio held leadership positions at other financial institutions, specializing in corporate finance, accounting, regulatory compliance, and financial system integrations, including a strong background in mergers and acquisitions. He holds a Bachelor of Science in Accounting from the University of New Orleans, an MBA from Loyola University New Orleans, and a Master of Strategic Studies from the U.S. Army War College. Additionally, he has served in the U.S. Army Reserve since 1991 and currently holds the rank of Colonel.
Rodney E. Rushing, Executive Vice President & COO
Rodney Rushing has served as Executive Vice President and Chief Operating Officer of ServisFirst Bancshares, Inc. and ServisFirst Bank since 2021. He joined ServisFirst Bank in 2010 as Executive Vice President, Correspondent Banking, and established the Correspondent Banking Division in 2011. Before his time at ServisFirst, Rushing had a 38-year banking career, including serving as an Executive Vice President at Compass Bank (now BBVA), where he managed correspondent, investment, and audit divisions.
Edison K. Woodie, III, Senior Vice President & Controller
Edison K. Woodie, III currently serves as Senior Vice President and Controller. He also served as interim Chief Financial Officer from October 2024 until David Sparacio assumed the role in March 2025.
Jim Harper, Senior Vice President & Chief Credit Officer
Jim Harper serves as Senior Vice President and Chief Credit Officer of ServisFirst Bank.
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The key risks to ServisFirst Bancshares (SFBS) are primarily centered around credit quality, interest rate sensitivity impacting its net interest margin, and ongoing regulatory changes.
- Credit Risk and Asset Quality Deterioration: ServisFirst Bancshares faces significant risk from potential credit quality deterioration, particularly given its substantial exposure to commercial real estate (CRE) lending, which constitutes approximately 45% of its loan portfolio. Recent reports highlight a notable increase in non-performing assets, largely attributed to a single, sizable real estate-secured relationship. Economic downturns and market volatility could further adversely affect the bank's asset quality, leading to increased loan defaults and rising net charge-offs. The regional banking sector, in general, is experiencing heightened concerns regarding stability and commercial real estate exposure, adding to this risk for SFBS.
- Interest Rate Sensitivity and Net Interest Margin (NIM) Pressure: As a financial institution, ServisFirst Bancshares' profitability is highly sensitive to fluctuations in interest rates. The bank is considered a "liability-sensitive" institution, meaning that rising deposit costs, especially if the Federal Reserve maintains higher interest rates for an extended period, can compress its net interest margin (NIM). Intense competition within its markets further exacerbates this pressure, as the bank may need to offer more attractive deposit rates to attract and retain funds, thereby increasing its funding costs and impacting overall profitability.
- Regulatory Changes and Compliance Costs: The banking industry is subject to extensive and evolving regulatory oversight. Changes in banking regulations can impose increased operational costs and necessitate significant adjustments to business practices for ServisFirst Bancshares. Compliance with new rules, such as those requiring specific capital ratios and buffers post-2008 financial crisis, can impact the bank's financial performance and strategic flexibility.
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1. **Emergence of Digital-First Neobanks and Fintech Platforms for Businesses:** Digital-only banks and specialized fintech platforms are increasingly offering streamlined, technology-driven commercial banking solutions tailored for small to medium-sized businesses (SMBs) and startups. These platforms, such as Mercury or Brex, provide superior user experiences, faster account opening, integrated financial tools, and often lower fees, directly challenging traditional regional banks like Servisfirst for a key segment of their client base. This parallels the shift seen with Netflix disrupting Blockbuster or the iPhone disrupting BlackBerry by offering a more convenient, integrated, and digitally native experience.
2. **Expansion of Big Tech Companies into Financial Services:** Major technology companies like Apple, Amazon, and Google are steadily expanding their offerings in payments, lending, and other financial products. Leveraging their vast customer bases, extensive data, and platform ecosystems, these giants are beginning to disintermediate traditional banking relationships, capture transaction data, and offer integrated financial solutions that directly compete with Servisfirst's commercial and private banking services. Examples include Amazon's lending programs for its sellers or Apple's deepening integration into payment and credit services, which mirror the disruptive impact of Uber on traditional taxis or YouTube on cable companies by leveraging technology and a platform approach to redefine service delivery.
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The addressable markets for ServisFirst Bancshares' main products and services in the U.S. are as follows:
- Commercial Banking: The U.S. commercial banking market is estimated at USD 732.5 billion in 2025 and is forecasted to reach USD 915.45 billion by 2030, growing at a compound annual growth rate (CAGR) of 4.56%. Another estimate indicates the market size was $1.5 trillion in 2024 and is projected to be $1.6 trillion in 2025.
- Private Banking: The U.S. private banking market is projected to grow from US$ 127.6 billion in 2025 to US$ 218.4 billion by 2032, with a CAGR of 8.0%. Other estimates for the U.S. private banking market include USD 59.54 billion in 2025, projected to reach USD 94.89 billion by 2030 with a 9.77% CAGR, and USD 108.96 billion in 2024, expected to reach USD 180.65 billion by 2030 with an 8.79% CAGR.
- Commercial Real Estate Lending: Total commercial real estate (CRE) mortgage borrowing and lending in the U.S. was estimated at $498 billion in 2024. The total commercial and multifamily mortgage debt outstanding in the U.S. increased from $4.62 trillion in Q4 2023 to $4.79 trillion in Q4 2024.
- Correspondent Banking: null
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ServisFirst Bancshares (SFBS) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Loan Growth: The company anticipates continued growth in its loan portfolio, propelled by robust loan pipelines and a strategic emphasis on organic expansion, particularly within the Southeast United States. This includes leveraging new market hires and recent geographic expansions that have contributed to all operating markets becoming profitable for the first time. Management has provided forward guidance projecting low double-digit loan growth.
- Net Interest Margin (NIM) Expansion: ServisFirst Bancshares expects its net interest margin to expand, primarily due to anticipated Federal Reserve interest rate cuts, which are projected to lead to lower deposit costs. Additionally, strategic balance sheet restructuring, involving the sale of lower-yielding securities and reinvestment into higher-yielding assets, is expected to further support NIM improvement.
- Disciplined Expense Management: The company is focused on managing its non-interest expenses, which has already resulted in an improved efficiency ratio. Ongoing efforts to constrain non-interest expense growth relative to revenue are expected to underpin overall profitability and contribute to a more efficient operation, indirectly supporting revenue growth by maximizing the impact of each revenue dollar.
- Rebound in Non-Interest Income: After a temporary dip, non-interest income is expected to rebound. Following a second-quarter loss on the sale of securities that brought non-interest income near zero, analysts anticipate it will return to its previous run rate of approximately $8 million to $9 million in the third quarter of 2025.
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Share Repurchases
- ServisFirst Bancshares recorded a 3-Year Share Buyback Ratio of -0.20% as of September 2025, which suggests minimal to no share repurchases over the last three years.
- The company's annual reports for the fiscal years ending December 31, 2021, and December 31, 2024, explicitly stated no repurchases of equity securities were made during the fourth quarter of those years.
Share Issuance
- A negative 3-Year Share Buyback Ratio, at -0.20% as of September 2025, could suggest potential share issuance.
- The number of shares outstanding slightly increased from 54,569,427 at December 31, 2024, to 54,618,545 at June 30, 2025.
Outbound Investments
- As of October 22, 2025, ServisFirst Bank has not made any reported investments or acquisitions.
- The company's growth strategy in recent years has included organic expansion, such as opening a new location in Orlando, FL in April 2021.
Capital Expenditures
- ServisFirst Bank is focused on forward-thinking investments in technology, talent, and operational efficiency to foster continued growth.
- The net value of premises and equipment was approximately $59.99 million at June 30, 2025, reflecting ongoing investment in physical assets.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 64.33 |
| Mkt Cap | 6.2 |
| Rev LTM | 1,286 |
| Op Inc LTM | - |
| FCF LTM | 349 |
| FCF 3Y Avg | 446 |
| CFO LTM | 373 |
| CFO 3Y Avg | 489 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.4% |
| Rev Chg 3Y Avg | 5.3% |
| Rev Chg Q | 7.1% |
| QoQ Delta Rev Chg LTM | 1.8% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 33.8% |
| CFO/Rev 3Y Avg | 37.6% |
| FCF/Rev LTM | 29.7% |
| FCF/Rev 3Y Avg | 34.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 6.2 |
| P/S | 4.9 |
| P/EBIT | - |
| P/E | 14.2 |
| P/CFO | 15.4 |
| Total Yield | 9.2% |
| Dividend Yield | 1.7% |
| FCF Yield 3Y Avg | 7.8% |
| D/E | 0.0 |
| Net D/E | -0.9 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 7.1% |
| 3M Rtn | 15.8% |
| 6M Rtn | 9.8% |
| 12M Rtn | 6.8% |
| 3Y Rtn | 34.5% |
| 1M Excs Rtn | 5.3% |
| 3M Excs Rtn | 13.4% |
| 6M Excs Rtn | 1.2% |
| 12M Excs Rtn | -9.6% |
| 3Y Excs Rtn | -29.4% |
Price Behavior
| Market Price | $86.24 | |
| Market Cap ($ Bil) | 4.7 | |
| First Trading Date | 05/14/2014 | |
| Distance from 52W High | -4.7% | |
| 50 Days | 200 Days | |
| DMA Price | $76.50 | $76.95 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 12.7% | 12.1% |
| 3M | 1YR | |
| Volatility | 40.6% | 35.1% |
| Downside Capture | 24.67 | 111.36 |
| Upside Capture | 125.58 | 90.80 |
| Correlation (SPY) | 36.3% | 57.8% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 2.61 | 1.94 | 1.40 | 1.37 | 1.07 | 1.26 |
| Up Beta | 13.01 | 9.12 | 3.24 | 2.88 | 0.99 | 1.18 |
| Down Beta | 1.74 | 1.45 | 1.46 | 1.23 | 1.18 | 1.12 |
| Up Capture | 197% | 145% | 135% | 88% | 91% | 191% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 9 | 17 | 28 | 59 | 116 | 360 |
| Down Capture | -106% | -2% | 45% | 102% | 111% | 109% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 11 | 24 | 33 | 66 | 135 | 389 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SFBS | |
|---|---|---|---|---|
| SFBS | -6.2% | 35.1% | -0.13 | - |
| Sector ETF (XLF) | 4.6% | 19.2% | 0.11 | 64.8% |
| Equity (SPY) | 15.5% | 19.4% | 0.62 | 57.8% |
| Gold (GLD) | 78.8% | 24.9% | 2.30 | 2.1% |
| Commodities (DBC) | 9.9% | 16.6% | 0.40 | 18.9% |
| Real Estate (VNQ) | 4.8% | 16.5% | 0.11 | 52.9% |
| Bitcoin (BTCUSD) | -27.0% | 44.8% | -0.57 | 21.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SFBS | |
|---|---|---|---|---|
| SFBS | 17.0% | 36.6% | 0.52 | - |
| Sector ETF (XLF) | 14.3% | 18.7% | 0.63 | 58.2% |
| Equity (SPY) | 14.2% | 17.0% | 0.67 | 45.4% |
| Gold (GLD) | 22.3% | 16.9% | 1.07 | 2.1% |
| Commodities (DBC) | 11.6% | 18.9% | 0.49 | 12.0% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 45.3% |
| Bitcoin (BTCUSD) | 14.7% | 58.0% | 0.47 | 15.7% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SFBS | |
|---|---|---|---|---|
| SFBS | 17.6% | 36.2% | 0.55 | - |
| Sector ETF (XLF) | 14.0% | 22.2% | 0.58 | 67.7% |
| Equity (SPY) | 15.5% | 17.9% | 0.74 | 54.7% |
| Gold (GLD) | 15.8% | 15.5% | 0.85 | -6.5% |
| Commodities (DBC) | 8.3% | 17.6% | 0.39 | 17.9% |
| Real Estate (VNQ) | 6.0% | 20.7% | 0.25 | 48.7% |
| Bitcoin (BTCUSD) | 69.0% | 66.8% | 1.08 | 13.2% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/20/2026 | |||
| 10/20/2025 | -6.8% | -7.0% | -10.5% |
| 7/21/2025 | 1.2% | -2.1% | 0.1% |
| 4/21/2025 | -0.0% | 2.3% | 9.9% |
| 1/27/2025 | 2.7% | -1.5% | -0.9% |
| 10/21/2024 | 2.0% | 3.6% | 13.1% |
| 7/15/2024 | 13.0% | 11.4% | 3.6% |
| 4/22/2024 | 2.2% | -3.3% | 6.5% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 18 | 14 | 17 |
| # Negative | 6 | 10 | 7 |
| Median Positive | 3.1% | 4.2% | 9.7% |
| Median Negative | -5.8% | -4.9% | -9.1% |
| Max Positive | 20.0% | 22.4% | 20.2% |
| Max Negative | -14.0% | -17.8% | -19.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 03/03/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/05/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/01/2024 | 10-K |
| 09/30/2023 | 11/03/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/02/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 10/31/2022 | 10-Q |
| 06/30/2022 | 07/29/2022 | 10-Q |
| 03/31/2022 | 04/28/2022 | 10-Q |
| 12/31/2021 | 02/25/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Broughton, Thomas A | Chairman, President, & CEO | Direct | Sell | 8262025 | 87.99 | 22,206 | 1,953,906 | 52,141,818 | Form |
| 2 | Mettler, Christopher J | Direct | Sell | 2142025 | 88.68 | 18,000 | 1,596,240 | 1,546,224 | Form | |
| 3 | Cashio, J. Richard | Direct | Sell | 2102025 | 91.52 | 1,589 | 145,429 | 40,593,804 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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