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Servisfirst BancsharesSFBS -0.88%71 ROA % is 1.88% as of Jun. 2026, which is 21% above its 10-year median of 1.55. GuruFocus rates SFBS with a GF Score™ of 71/100 and a GF Value™ of $93.79 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Servisfirst Bancshares ranks better than 85.74% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Servisfirst Bancshares's annualizedNet Income for the quarter that ended in Jun. 2026 was $343.2 Mil.
Servisfirst Bancshares's average Total Assets over the quarter that ended in Jun. 2026 was $18,258.4 Mil. Therefore, Servisfirst Bancshares's annualized ROA % for the quarter that ended in Jun. 2026 was 1.88%.
The historical rank and industry rank for Servisfirst Bancshares's ROA % or its related term are showing as below:
SFBS'
s ROA % Range Over the Past 10 Years
Min: 1.35 Med: 1.55 Max: 1.82
Current: 1.8
During the past 13 years, Servisfirst Bancshares's highest ROA % was 1.82%. The lowest was 1.35%. And the median was 1.55%.
SFBS's ROA % is ranked better than 85.74% of 1529
companies
in the Banks industry
Industry Median: 1.01
vs SFBS: 1.80
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Servisfirst Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where Servisfirst Bancshares's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Servisfirst Bancshares (SFBS) has a ROA % of 1.88% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Servisfirst Bancshares and its competitors. This is 21% above median its historical median of 1.55. Over the past decade, Servisfirst Bancshares' ROA % has ranged from 1.35 to 1.82. According to the industry distribution chart, Servisfirst Bancshares ranks #218 out of 1529 companies in the Banks industry, placing it in the top 14.3%.
Is Servisfirst Bancshares' ROA % too high?
Servisfirst Bancshares' current ROA % of 1.88% is 21% above median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.35 to a high of 1.82. The Banks industry median ROA % is 1.01. Servisfirst Bancshares' value of 1.88% is 86.1% above this industry median. Based on the distribution chart, Servisfirst Bancshares ranks #218 out of 1529 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' ROA % compare to IBOC and FULT?
According to the Banks industry distribution chart, Servisfirst Bancshares ranks #218 out of 1529 companies for ROA %. This places Servisfirst Bancshares in the top 14% of its industry — outperforming the majority of peers. The industry median ROA % is 1.01. Servisfirst Bancshares' value of 1.88% is 86.1% above this benchmark. Historically, Servisfirst Bancshares' own ROA % has ranged from 1.35 to 1.82 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 1.01, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Servisfirst Bancshares's current ROA % of 1.88% is 86.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Servisfirst Bancshares and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Servisfirst Bancshares's current ROA % is 1.88%, which is 21% above median its own 10-year median of 1.55. 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 $93.79, compared to a current price of $90.53 — trading 3.5% below its estimated fair value. The current ROA % is 1.88%, which is 21% above median its 10-year median of 1.55 and 86.1% above the Banks industry median of 1.01. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Servisfirst Bancshares (SFBS), the current ROA % is 1.88% as of Jun. 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 $93.79.
GuruFocus considers Servisfirst Bancshares to be Fairly Valued.
Key valuation signals for SFBS:
ROA %: 1.88% (21% above median its 10-year median of 1.55)
GF Value™: $93.79 vs. price of $90.53 (3.5% below fair value)
Industry Position: 86.1% above the Banks median (#218 of 1529)
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
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