TORVANTA
Other · S&P 500 · data as of 2026-10-05

SFBS stock analysis: SFBS

SFBS (SFBS) is an S&P 500 company in Other. It grades strongest on value.

The model's view of SFBS · subscribers

Where SFBS ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with SFBS · updated 2026-10-05 · from prices and SEC filings

SFBS price performance

SFBS against the S&P 500, one year
+0%+20%S&P 500 +18%SFBS -1%2025-09-292026-10-05
Year to date+12.2%S&P 500 +14.5% · behind by 2.3 pts
1 year-0.7%S&P 500 +17.0% · behind by 17.7 pts
3 years+54.2%S&P 500 +89.3% · behind by 35.0 pts
5 years+11.1%S&P 500 +91.3% · behind by 80.2 pts

Total returns with dividends reinvested.

SFBS factor grades

Each grade compares SFBS with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

AValueP/E 6.7x (industry 20.1x)FCF yield 21.9% (industry 6.0%)
BGrowthEPS growth +28% (industry +10%)
–Profitability
C+Momentum12-month change -1%From 52-wk high -13%

SFBS in plain numbers

SFBS key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$2.2B
Revenue growth (y/y)n/a
Free-cash-flow yield21.9%
Dividend yield1.9%
Next earnings (expected)2026-10-19
Valuation measures
Market value$2.2B
Enterprise value$2.2B
P/E (trailing)6.7x
Forward P/E (Torvanta estimate)6.0x
PEG (Torvanta estimate)0.53
Price / book1.1x
Financial highlights
Net income, last 12 months$320.7M
EPS, last 12 months (GAAP)$5.87
Return on equity17.3%
Total debt$0

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

SFBS earnings trends

Revenue vs earnings
$0$21.6M$43.2M$64.8M$86.4MSep 2024 Net income: $59.9MDec 2024 Net income: $65.2MMar 2025 Net income: $63.2MJun 2025 Net income: $61.4MSep 2025 Net income: $65.6MDec 2025 Net income: $86.4MMar 2026 Net income: $83.0MJun 2026 Net income: $85.8MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$0.4$0.8$1.2$1.6Sep 2024 EPS (GAAP, diluted): $1.1Dec 2024 EPS (GAAP, diluted): $1.2Mar 2025 EPS (GAAP, diluted): $1.2Jun 2025 EPS (GAAP, diluted): $1.1Sep 2025 EPS (GAAP, diluted): $1.2Dec 2025 EPS (GAAP, diluted): $1.6Mar 2026 EPS (GAAP, diluted): $1.5Jun 2026 EPS (GAAP, diluted): $1.6Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +9% · Dec 2025 +33% · Mar 2026 +31% · Jun 2026 +40%

From the company's 10-Q and 10-K filings with the SEC.

SFBS financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Net income$207.7M$251.5M$206.9M$227.2M$276.6M
EPS (GAAP)$3.82$4.61$3.79$4.16$5.06

SFBS earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-20$1.57+40%n/a+0.3%
2026-04-20$1.52+31%n/a+2.4%
2026-01-20$1.58+33%n/a+12.7%
2025-10-20$1.20+9%n/a-6.5%
2025-07-21$1.12+18%n/a+0.3%
2025-04-21$1.16+26%n/a-0.5%

About SFBS

HeadquartersBirmingham, AL
Industry (SEC code)State Commercial Banks
Fiscal year endsDecember 31
Incorporated inDE
Listed onNYSE

From the company's SEC registration record.

Companies similar to SFBS

CompanyMarket valueP/ERevenue growthOperating margin12-month change
SFBS SFBS$2.2B6.7xn/an/a-1%
PBH PBH$2.2B12.8x-1%26.3%-29%compare
CALX CALX$2.2B45.8x+28%5.5%-42%compare
PEB PEB$2.2Bn/a+2%4.3%+73%compare
PATK PATK$2.1B15.8x+3%6.7%-35%
PTON PTON$2.2B35.8x-2%6.6%-42%
CENTA CENTA$2.1B12.7x-1%8.1%+18%

All Other stock ratings

Frequently asked questions

Is SFBS stock a buy?

Torvanta does not tell individuals what to buy. Its grades for SFBS are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is SFBS's P/E ratio?

SFBS trades at about 6.7 times its last 12 months of GAAP earnings reported to the SEC, and about 6.0 times Torvanta's own estimate of the next 12 months.

When does SFBS report earnings next?

Based on its filing history, Torvanta expects SFBS to report around 2026-10-19.

Does SFBS pay a dividend?

Yes. Its dividend yield is about 1.9%, and it has raised its dividend 1 years in a row.

How has SFBS performed against the S&P 500?

Over the past year SFBS returned -0.7%, against +17.0% for the S&P 500, dividends reinvested.

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Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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