
ServisFirst Bancshares (SFBS) Stock Forecast & Price Target
ServisFirst Bancshares (SFBS) Analyst Ratings
Bulls say
Servisfirst Bancshares, Inc. has demonstrated robust financial performance, with end-of-period (EOP) loans and deposits experiencing significant year-over-quarter growth of 15.2% and 15.9%, respectively, leading to a stable loan-to-deposit ratio of 93%. The company's net interest margin (NIM) has also shown positive momentum, rising by 13 basis points quarter-over-quarter to reach 2.79%, with management anticipating further increases as deposit pricing pressures diminish and loan yields improve. Additionally, the bank is poised for continued loan growth as it expands into new markets and capitalizes on upcoming fixed-rate loan maturities, positioning it well for sustained financial health.
Bears say
Servisfirst Bancshares Inc has experienced a decline in its net interest margin (NIM), which fell by 7 basis points quarter-over-quarter to 2.57%, indicating potential pressures on profitability due to a suboptimal asset mix. Although credit quality remains relatively strong with non-performing assets (NPAs) decreasing, the increase in net charge-offs (NCOs) to 0.11% reflects emerging concerns regarding credit risk management. The estimated financial outlook for 2024 and 2025 has been downgraded, suggesting that expected higher expenses will outweigh improvements in net interest income (NII) and credit costs, contributing to a negative sentiment regarding future performance.
This aggregate rating is based on analysts' research of ServisFirst Bancshares and is not a guaranteed prediction by Public.com or investment advice.
ServisFirst Bancshares (SFBS) Analyst Forecast & Price Prediction
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