Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Servisfirst BancsharesSFBS -0.88%71 EV-to-OCF is 7.99 as of Aug. 18, 2026, which is 12% below its 10-year median of 9.10. GuruFocus rates SFBS with a GF Score™ of 71/100 and a GF Value™ of $93.84 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,499 Banks companies, Servisfirst Bancshares ranks worse than 63.98% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Servisfirst Bancshares's Enterprise Value is $3,779.7 Mil.
Servisfirst Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $472.9 Mil. Therefore, Servisfirst Bancshares's EV-to-OCF for today is 7.99.
The historical rank and industry rank for Servisfirst Bancshares's EV-to-OCF or its related term are showing as below:
SFBS'
s EV-to-OCF Range Over the Past 10 Years
Min: -0.84 Med: 9.1 Max: 19.71
Current: 7.99
During the past 13 years, the highest EV-to-OCF of Servisfirst Bancshares was 19.71. The lowest was -0.84. And the median was 9.10.
SFBS's EV-to-OCF is ranked worse than 63.98% of 1499
companies
in the Banks industry
Industry Median: 3.92
vs SFBS: 7.99
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Servisfirst Bancshares's PE Ratio (TTM) for today is calculated as:
Servisfirst Bancshares's share price for today is $90.53.
Servisfirst Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.870.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Servisfirst Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Servisfirst Bancshares EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Servisfirst Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Servisfirst Bancshares's EV-to-OCF falls into.
Servisfirst Bancshares's current Enterprise Value is $3,779.7 Mil.
Servisfirst Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $472.9 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Servisfirst Bancshares (SFBS) has a EV-to-OCF of 7.99 as of Aug. 18, 2026. This is 12% below median its historical median of 9.10. According to the industry distribution chart, Servisfirst Bancshares ranks #959 out of 1499 companies in the Banks industry, placing it in the top 64%.
Is Servisfirst Bancshares' EV-to-OCF too high?
Servisfirst Bancshares' current EV-to-OCF of 7.99 is 12% below median its 10-year median of 9.10. The Banks industry median EV-to-OCF is 3.92. Servisfirst Bancshares' value of 7.99 is 103.8% above this industry median. Based on the distribution chart, Servisfirst Bancshares ranks #959 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, Servisfirst Bancshares has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Servisfirst Bancshares' EV-to-OCF compare to IBOC and FULT?
According to the Banks industry distribution chart, Servisfirst Bancshares ranks #959 out of 1499 companies for EV-to-OCF. This places Servisfirst Bancshares in the lower half of its industry. The industry median EV-to-OCF is 3.92. Servisfirst Bancshares' value of 7.99 is 103.8% above this benchmark. While the company's 10-year median is 9.10 vs. the industry median of 3.92, Servisfirst Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.92, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Servisfirst Bancshares's current EV-to-OCF of 7.99 is 103.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Servisfirst Bancshares's current EV-to-OCF is 7.99, which is 12% below median its own 10-year median of 9.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Servisfirst Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Servisfirst Bancshares (SFBS) is currently considered Fairly Valued. The stock's GF Value™ is $93.84, compared to a current price of $90.53 — trading 3.5% below its estimated fair value. The current EV-to-OCF is 7.99, which is 12% below median its 10-year median of 9.10 and 103.8% above the Banks industry median of 3.92. Servisfirst Bancshares' overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Servisfirst Bancshares (SFBS), the current EV-to-OCF is 7.99 as of Aug. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Servisfirst Bancshares (SFBS) Overvalued in 2026?
Based on GuruFocus' analysis, Servisfirst Bancshares stock appears to be undervalued.
The current stock price of $90.53 is trading 3.5% below its estimated GF Value™ of $93.84.
GuruFocus considers Servisfirst Bancshares to be Fairly Valued.
Key valuation signals for SFBS:
EV-to-OCF: 7.99 (12% below median its 10-year median of 9.10)
GF Value™: $93.84 vs. price of $90.53 (3.5% below fair value)
Industry Position: 103.8% above the Banks median (#959 of 1499)
No single metric tells the full story. See the SFBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Servisfirst Bancshares Inc is a bank holding company whose business is conducted by its wholly owned subsidiary. Through the subsidiary, it offers various banking services to individual and corporate customers in Birmingham, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. Its various products and service offerings include commercial, consumer, and other loans; accepting deposits; providing electronic banking services, such as online and mobile banking, including remote deposit capture; delivering treasury and cash management services; and providing banking services to other financial institutions. The company operates as a single reportable segment, with a majority of its revenue being derived from the business of banking.
71GF Score
Get the complete analysis for SFBS
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SFBS has been successfully added to your 
