SFBS (Servisfirst Bancshares) Moat Score: 4/10 (As of Aug. 18, 2026)

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SFBS Servisfirst Bancshares Inc SFBS
71 GF Score
Price $90.53
GF Value $93.84
Valuation Fairly Valued
! 4 Warning Signs
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What is Servisfirst Bancshares Moat Score?

Servisfirst Bancshares SFBS -0.88% 71 Moat Score is 4 as of Aug. 18, 2026. 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 1,610 Banks companies, Servisfirst Bancshares ranks better than 86.27% on this metric.

Servisfirst Bancshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Servisfirst Bancshares has Narrow Moat: Servisfirst Bancshares Inc has a discernible moat due to its regional market presence and customer loyalty. It benefits from some economies of scale and pricing power, but lacks the strong brand and regulatory barriers needed for a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Servisfirst Bancshares might have Narrow Moat - Discernible but modest moat.

Servisfirst Bancshares  (NYSE:SFBS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Servisfirst Bancshares Moat Score Related Terms

SFBS vs IBOC, FULT, FFIN: Moat Score Comparison

For the Banks - Regional subindustry, Servisfirst Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Servisfirst Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Servisfirst Bancshares's Moat Score falls into.


SFBS
71GF Score
Servisfirst Bancshares Inc SFBS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Servisfirst Bancshares (SFBS) has a Moat Score of 4 as of Aug. 18, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Servisfirst Bancshares ranks #221 out of 1610 companies in the Banks industry, placing it in the top 13.7%.
Is Servisfirst Bancshares' Moat Score too high?
Servisfirst Bancshares' current Moat Score is 4. Based on the distribution chart, Servisfirst Bancshares ranks #221 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to IBOC and FULT?
According to the Banks industry distribution chart, Servisfirst Bancshares ranks #221 out of 1610 companies for Moat Score. This places Servisfirst Bancshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Servisfirst Bancshares's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Servisfirst Bancshares (SFBS), the current Moat Score is 4 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:

  • Moat Score: 4
  • GF Value™: $93.84 vs. price of $90.53 (3.5% below fair value)
  • GF Score™: 71/100 with 4 warning signs

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 Business Description

Address 2500 Woodcrest Place, Birmingham, AL, USA, 35209
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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$90.53
Price
$93.84
GF Value