ServisFirst Bancshares, Inc. (SFBS) Fair Value 2026

SFBS · State Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.1 /10

32 fundamental signals · 13 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-07-15, ServisFirst Bancshares, Inc. (SFBS) trades at $86.08, approximately 222% above CirclFi’s Bayesian DCF fair value of $26.74. QOC: 6.1/10. Value Trap Risk: 12/100 (SAFE). 13/13 models active.

Key Facts

Ticker
SFBS
Price
$86.08
Quality Score
6.1/10
Value Trap Risk
12/100
Models Active
13/13
Last Updated
Strength: 13 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is ServisFirst Bancshares, Inc. (SFBS) Undervalued or Overvalued in 2026?

According to CirclFi’s 13-model valuation engine, ServisFirst Bancshares, Inc. (SFBS) appears overvalued as of : the median of 13 independent fair value estimates is $52.25, 39.3% below the current price of $86.08. Estimates range from $26.04 to $226.65. SFBS scores 6.1/10 on fundamental quality and 12/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy ServisFirst Bancshares, Inc. Stock in 2026? →

Valuation Matrix

13 Intrinsic Value Models vs. Current Price ($86.08)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
Medium Conviction
 $26.74 -68.9%
Earnings Power Value
Medium Conviction
 $37.14 -56.9%
CUCE Ensemble
Low Conviction
 $51.97 -39.6%
First Chicago
Medium Conviction
 $59.97 -30.3%

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What Is ServisFirst Bancshares, Inc. (SFBS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, ServisFirst Bancshares, Inc.'s intrinsic value is estimated at $71.62. Trading at its current price of $86.08, the valuation engine raises significant caution: 10 of 13 models flag downside risk, projecting an average implied return of -16.8%. Model dispersion is worth noting: ML-RIV targets $226.65 (+163.3%), versus Markov DDM at $26.04 (-69.8%). This +233.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About SFBS?

13 of 13 models are currently active for SFBS. Of these, 3 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates SFBS's intrinsic value at $26.74, implying -68.9% downside from the current price. See which stocks rank higher →

How Does SFBS Rank in State Commercial Banks?

Among 166 State Commercial Banks stocks, SFBS ranks #154 by Quality of Company score. CirclFi's QOC score of 6.1/10 evaluates 32 fundamental signals. A score of 6.1 indicates above-average quality.

See all Most Undervalued State Commercial Banks Stocks →

ServisFirst Bancshares, Inc.'s positioning within the State Commercial Banks segment means that net interest margin (NIM) plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is SFBS a Value Trap?

CirclFi's Value Trap algorithm assigns SFBS a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

13 of 13 models are active for ServisFirst Bancshares, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, ServisFirst Bancshares, Inc. earns a quality score of 6.1/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +233.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SFBS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SFBS's 13 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy ServisFirst Bancshares, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar State Commercial Banks Stocks Should You Also Analyze?

8 related State Commercial Banks stocks with 13-model coverage

BSVNBank7 Corp.QOC 10.0OFGOFG BancorpQOC 9.8CZNCCitizens & Northern CorpQOC 9.7NPBNorthpointe Bancshares, Inc.QOC 9.6UNTYUnity Bancorp, Inc.QOC 9.4OBTOrange County Bancorp, Inc.QOC 9.3BFSTBusiness First Bancshares, Inc.QOC 9.2OVLYOak Valley Bancorp (CA)QOC 9.2

Read investment analysis: BSVN · OFG · CZNC · NPB · UNTY

See all State Commercial Banks stocks ranked →

Frequently Asked Questions About ServisFirst Bancshares, Inc.

What is ServisFirst Bancshares, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, ServisFirst Bancshares, Inc. (SFBS) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $26.74. The Quality of Company score is 6.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SFBS overvalued or undervalued right now?

At $86.08, 3 of 13 active models suggest SFBS may be undervalued, while 10 indicate potential overvaluation. The median of all 13 fair value estimates is $52.25, 39.3% below the current price of $86.08 — a consensus view that SFBS is overvalued. The assessment depends on which methodology best fits ServisFirst Bancshares, Inc.'s business model in State Commercial Banks.

What does a Quality of Company score of 6.1 mean for SFBS?

ServisFirst Bancshares, Inc.'s QOC of 6.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on SFBS?

CirclFi analyzes SFBS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 13 of 13 are active for this stock. Read the full methodology →

Is SFBS a value trap in 2026?

ServisFirst Bancshares, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 13-model valuation engine, ServisFirst Bancshares, Inc. (SFBS) has a median fair value of $52.25 — 39.3% below the current price of $86.08 — as of 2026-07-15.” Source: circlfi.com/stock/SFBS/ · Methodology

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