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ServisFirst Bancshares Inc. (SFBS) — RQD Stock Rating Cockpit

$40.52 +1.66% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.56

ServisFirst Bancshares Inc. (SFBS) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $4.43B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SFBS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SFBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, ServisFirst Bancshares Inc. (NYSE: SFBS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $40.52 (+1.66% 1D, market cap $4.43B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, SFBS ranks #176 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SFBS compare to FFIN and UCB in the Financials sector?

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Within the Financials sector (Major Banks), SFBS carries a Roarable C+ (69/100 RQD), trailing P/E of 16.0x, gross margin of —, and ROIC of 15.0%. By comparison, FFIN (First Financial Bankshares Inc.) holds a B- grade (71/100 RQD, P/E 17.4x, ROIC 13.2%, cap $4.41B) and UCB (United Community Banks Inc.) posts a B grade (74/100 RQD, P/E 13.7x, ROIC 9.0%, cap $4.49B). Among the 5-stock peer group, FULT leads on earnings multiple (11.5x) while SFBS leads on capital efficiency (15.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SFBS?

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Per SFBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001430723), ServisFirst Bancshares Inc. generated $0 in revenue, $276.6M in net income, and $355.2M in free cash flow against $17.73B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $40.56 (+0.11%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 8.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SFBS)Realized 20D OHLCV Swing Band: ±5.7%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY SFBS SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 8.9% FCF Margin ($355.2M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$38.41+2.5% Next Q

Q2 (-2Q)

Grade C+$39.36+4.7% Next Q

Q3 (-1Q)

Grade B-$41.22-1.7% Next Q

Current

Grade C+$40.52+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SFBS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, SFBS faces multiple-compression risk if 16.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($40.99) or 200D SMA ($40.80) invalidates the momentum regime and cuts Target Base ($42.53) toward Bear Floor ($33.17).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SFBS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SFBS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

50.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE56% OF RANGE

L: $34$40.52H: $46

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on SFBS

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (80)

15.0% ROIC with 42.0% gross margin and 8.02% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (67)

28/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like SFBS

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SFBS Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SFBS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.78%📐 HORIZONTAL RANGE

2026-10-30O $40.94H $41.42L $40.00C $40.52VOL 577.1K

RES: $47.97SUP: $36.14SMA50: $40.99SMA200: $40.80

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SFBS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SFBS Butterfly Map → + Track SFBS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SFBS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SFBS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SFBS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SFBS)

Financials Rank #176 of 1096 ⚔️ FFIN vs SFBS Full Matrix →

1. Head-to-Head Financials Peer Comparison (SFBS vs. FFIN, UCB, CATY, FULT)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, ServisFirst Bancshares Inc. (SFBS) ranks #176 by composite RQD confidence (69/100, grade C+) and #296 by equity capitalization ($4.43B). Within this direct 5-issuer industry benchmark cohort, FULT leads on earnings valuation at 11.5x trailing P/E, while SFBS leads on capital efficiency and profitability with 15.0% ROIC and — gross margin. UCB currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with SFBS at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SFBS ACTIVE ServisFirst Bancshares Inc.	C+	69/100	16.0x	—	15.0%	+1.66%	$4.43B	Benchmark Subject
FFIN First Financial Bankshares Inc.	B-	71/100	17.4x	—	13.2%	+1.45%	$4.41B	/ffin-vs-sfbs →
UCB United Community Banks Inc.	B	74/100	13.7x	—	9.0%	+1.78%	$4.49B	/ucb-vs-sfbs →
CATY Cathay General Bancorp	C+	67/100	13.8x	—	10.8%	+1.07%	$4.36B	/caty-vs-sfbs →
FULT Fulton Financial Corporation	C+	67/100	11.5x	—	11.2%	+1.37%	$4.52B	/fult-vs-sfbs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001430723

In its most recent audited fiscal period (FY2025, filed 2025-12-31), ServisFirst Bancshares Inc. (SFBS) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $276.6M, operating cash flow of $355.2M, and free cash flow of $355.2M (+40.4% YoY). On the balance sheet, SFBS closed FY2025 with $17.73B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$276.6M	$355.2M	$355.2M	$17.73B	—
FY2024 (FY)	2024-12-31	$0	$227.2M	$252.9M	$252.9M	$17.35B	—
FY2023 (FY)	2023-12-31	$0	$206.9M	$197.3M	$197.3M	—	—

3. SFBS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SFBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SFBS compare to FFIN and UCB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SFBS?

Where is SFBS trading relative to its 50-day, 200-day, and 52-week technical levels?

SFBS last traded at $40.52 (+1.66% on volume of 396,764 shares), positioning the stock -1.15% below its 50-day simple moving average ($40.99) and -0.69% below its 200-day simple moving average ($40.80). Across its 52-week range of $33.60 to $46.04, SFBS sits at the 55.6% percentile with a 14-day RSI of 50.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.7% ($38.21 to $42.83).

SFBS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell SFBS stock right now?

ServisFirst Bancshares Inc. (SFBS) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (15% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.

What is SFBS's 12-month price target and RQD AI Jury consensus?

SFBS's 12-month base price target is $42.53 (range $33.17 to $50.19), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: SFBS RQD Cockpit SFBS 12M Forecast SFBS Earnings & Move SFBS Dividends & DRIP SFBS Insiders & 13F SFBS Whale Options SFBS Profit Sankey SFBS News & Why