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SFBS vs SFNC
Which Stock Would AI Choose? ServisFirst Bancshares (SFBS) vs. Simmons First National (SFNC) Stock Comparison
Key Takeaways
- ServisFirst Bancshares (SFBS) holds a larger market capitalization of $4.27 billion compared to Simmons First National (SFNC)'s $3.14 billion.
- Both regional banks reported first-quarter 2026 earnings recently, with SFBS demonstrating strong profit margins of 52.61% despite missing revenue estimates, while SFNC showed 10% annualized loan growth and net interest margin (NIM, the difference between interest income and expense) expansion.
- SFNC has outperformed year-to-date with 16.23% gains versus SFBS's 10%.
- SFBS exhibits superior return on equity (ROE, net income divided by shareholders' equity) at 15.96% trailing twelve months (TTM), contrasting SFNC's -10.37% TTM.
- Price-to-book ratios highlight SFBS at 2.30 versus SFNC at 0.91, signaling differing market valuations of assets.
Introduction
This stock comparison examines SFBS and SFNC, two regional banks operating in the Southeastern and Midwestern U.S. markets. Both provide commercial and consumer lending amid evolving interest rates and economic conditions, making them relevant for investors seeking exposure to financial services with regional diversification. Traders analyzing relative performance may find value in their contrasting momentum, profitability, and growth trajectories during recent market activity. This analysis draws on key metrics and developments to inform stock comparison decisions.
SFBS Overview and Recent Performance
ServisFirst Bancshares, Inc. (SFBS) serves as the holding company for ServisFirst Bank, focusing on deposit products like checking and savings accounts, alongside loans emphasizing commercial real estate, construction, and business lines of credit. Headquartered in Birmingham, Alabama, it operates primarily in Alabama, Florida, Georgia, and Tennessee.
In recent weeks, SFBS shares have traded around $78 within a 52-week range of $66 to $91, reflecting year-to-date gains of 10%. Earnings season highlighted quarterly revenue growth of 22.5% year-over-year (yoy) and net income expansion of 32.5% yoy, though revenue fell short of estimates. Strong profit margins above 50% and a dividend yield near 2% have supported sentiment, bolstered by resilient return on assets (ROA, net income over total assets) at 1.58% TTM. Regional banking pressures, including interest rate sensitivity, have influenced price behavior, yet dividend appeal sustains investor interest.
SFNC Overview and Recent Performance
Simmons First National Corporation (SFNC) is the holding company for Simmons Bank, offering deposits, consumer and commercial loans, credit cards, and treasury services across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.
Recent market activity saw SFNC shares near $22 in a 52-week range of $17 to $22, with year-to-date returns of 16.23%. First-quarter 2026 results featured 10% annualized loan growth, NIM expansion, and quarterly revenue up 24.1% yoy, aligning closely with estimates despite TTM challenges. Positive outlook for 9-11% net interest income (NII, interest revenue minus expenses) growth in 2026 has driven sentiment shifts. Exposure to diverse regional economies aids stability, though prior-year losses weigh on TTM metrics like ROE.
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Head-to-Head Comparison
Both SFBS and SFNC operate regional bank models centered on lending and deposits, but SFBS leans toward commercial real estate and business loans in the Southeast, while SFNC balances consumer, agricultural, and SBA (Small Business Administration) lending across a wider footprint.
Growth drivers differ: SFNC emphasizes loan expansion and NII outlook, contrasting SFBS's revenue momentum from deposits and fees. Recent momentum favors SFNC's YTD edge, but SFBS shows greater stability via higher price-to-book and positive ROE.
Risk factors include shared sector exposure to interest rates and commercial real estate (CRE) cycles, with SFNC potentially diversified by agriculture. Market sentiment post-earnings tilts positive for both, though SFBS's dividend and margins provide a trade-off for income-focused positioning over SFNC's growth narrative.
Tickeron AI Verdict
Tickeron’s AI currently favors SFBS with higher probability due to consistent profitability, superior TTM ROE of 15.96%, robust margins, and stronger balance sheet metrics amid recent quarters. While SFNC offers compelling loan growth and momentum, SFBS's trend stability and valuation position it better for relative outperformance in the regional banking sector.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SFBS is a StrongBuy and SFNC is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SFBS’s FA Score shows that 1 FA rating(s) are green whileSFNC’s FA Score has 0 green FA rating(s).
- SFBS’s FA Score: 1 green, 4 red.
- SFNC’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
SFBS’s TA Score shows that 6 TA indicator(s) are bullish while SFNC’s TA Score has 4 bullish TA indicator(s).
- SFBS’s TA Score: 6 bullish, 4 bearish.
- SFNC’s TA Score: 4 bullish, 4 bearish.
Price Growth
SFBS (@Regional Banks) experienced а +1.56% price change this week, while SFNC (@Regional Banks) price change was +1.90% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
SFBS is expected to report earnings on Jul 20, 2026.
SFNC is expected to report earnings on Jul 28, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| SFBS | SFNC | SFBS / SFNC | |
| Capitalization | 4.53B | 3.26B | 139% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 15.320 | 20.167 | 76% |
| P/E Ratio | 13.84 | 13.73 | 101% |
| Revenue | 583M | 126M | 463% |
| Total Cash | 95.1M | 343M | 28% |
| Total Debt | 34.8M | 762M | 5% |
SFBS | SFNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 41 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 85 Overvalued | 90 Overvalued | |
PROFIT vs RISK RATING 1..100 | 75 | 100 | |
SMR RATING 1..100 | 31 | 71 | |
PRICE GROWTH RATING 1..100 | 48 | 46 | |
P/E GROWTH RATING 1..100 | 73 | 84 | |
SEASONALITY SCORE 1..100 | 85 | 20 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
SFBS's Valuation (85) in the Regional Banks industry is in the same range as SFNC (90) in the Major Banks industry. This means that SFBS’s stock grew similarly to SFNC’s over the last 12 months.
SFBS's Profit vs Risk Rating (75) in the Regional Banks industry is in the same range as SFNC (100) in the Major Banks industry. This means that SFBS’s stock grew similarly to SFNC’s over the last 12 months.
SFBS's SMR Rating (31) in the Regional Banks industry is somewhat better than the same rating for SFNC (71) in the Major Banks industry. This means that SFBS’s stock grew somewhat faster than SFNC’s over the last 12 months.
SFNC's Price Growth Rating (46) in the Major Banks industry is in the same range as SFBS (48) in the Regional Banks industry. This means that SFNC’s stock grew similarly to SFBS’s over the last 12 months.
SFBS's P/E Growth Rating (73) in the Regional Banks industry is in the same range as SFNC (84) in the Major Banks industry. This means that SFBS’s stock grew similarly to SFNC’s over the last 12 months.
| SFBS | SFNC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 71% | 2 days ago 76% |
| Stochastic ODDS (%) | 2 days ago 66% | 2 days ago 68% |
| Momentum ODDS (%) | 2 days ago 70% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 73% | 2 days ago 60% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 59% | 2 days ago 56% |
| Advances ODDS (%) | 2 days ago 61% | 2 days ago 60% |
| Declines ODDS (%) | 27 days ago 59% | 23 days ago 70% |
| BollingerBands ODDS (%) | 2 days ago 62% | 2 days ago 71% |
| Aroon ODDS (%) | 2 days ago 47% | 2 days ago 51% |
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SFBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, SFBS has been closely correlated with SFNC. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if SFBS jumps, then SFNC could also see price increases.
| Ticker / NAME | Correlation To SFBS | 1D Price Change % | ||
|---|---|---|---|---|
| SFBS | 100% | +1.81% | ||
| SFNC - SFBS | 83% Closely correlated | +1.28% | ||
| UBSI - SFBS | 82% Closely correlated | +1.17% | ||
| TRMK - SFBS | 81% Closely correlated | +0.90% | ||
| UCB - SFBS | 80% Closely correlated | +1.61% | ||
| CATY - SFBS | 80% Closely correlated | +1.42% | ||
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SFNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, SFNC has been closely correlated with UCB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if SFNC jumps, then UCB could also see price increases.
| Ticker / NAME | Correlation To SFNC | 1D Price Change % | ||
|---|---|---|---|---|
| SFNC | 100% | +1.28% | ||
| UCB - SFNC | 88% Closely correlated | +1.61% | ||
| UBSI - SFNC | 86% Closely correlated | +1.17% | ||
| FNB - SFNC | 85% Closely correlated | +0.71% | ||
| AUB - SFNC | 85% Closely correlated | +1.17% | ||
| CATY - SFNC | 85% Closely correlated | +1.42% | ||
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