Servis1st Bank

What Servis1st Bank does

ServisFirst Bank, headquartered in Birmingham, Alabama, is a publicly traded full-service commercial bank (NASDAQ: SFBS; holding company ServisFirst Bancshares, Inc.) founded in May 2005 by Tom Broughton, who continues as Chairman, President and CEO. The bank operates 25+ branches across eight states in the Southeast and Texas, organized around three core divisions — Commercial Banking, Correspondent Banking (serving other financial institutions since March 2011), and Consumer Banking — with a Private Banking/professional consumer segment as a secondary focus. Its commercial go-to-market is anchored by dedicated Commercial Bankers who serve as the single point of contact for each business client, supported by a Treasury Management suite that includes the eServis Business Online platform (ACH origination, wire transfers, dual-control workflows, fraud analytics), Remote Deposit Xpress desktop check scanning, Sweep Services between checking and money market accounts, and Check & ACH Positive Pay fraud controls. Complementary offerings include commercial and personal credit cards, small business/SBA loans, and merchant services delivered through an Elavon partnership.

The bank generates revenue primarily through net interest income (3.53% net interest margin in Q1 2026, up 61 bps year-over-year from 2.92%) on its commercial and consumer loan book and securities portfolio, with non-interest fee income from treasury management, merchant, and credit card services as a secondary stream. Deposits totaled $14.49 billion in Q1 2026 (up from $14.22 billion) against total assets of approximately $17.35 billion, funding a loan book growing at a 7% annualized pace. Pricing is subscription-style for deposit accounts (monthly service charges waivable on minimum-balance tiers, with per-item fees beyond free transaction thresholds) and transaction-based for wires, overdrafts, and payment processing. Quarterly revenue ran $158.99 million in Q1 2026 and $162.21 million in Q4 2025, with net income of $83 million and a 29.81% efficiency ratio.

Operationally, the bank is known for industry-leading profitability metrics — 17.91% return on average common equity in Q1 2026 and 33% year-over-year EPS growth in Q4 2025 — and is pursuing an aggressive geographic expansion strategy, most recently entering Texas in December 2025 with a Houston office led by Regional CEO Christopher Dvorachek and a team of 18 senior bankers.

Name

Servis1st Bank

Legal name

ServisFirst Bancshares, Inc.

Website

https://servisfirstbank.com

Company type

Public

Founded year

2005

Operating status

Operating

Headcount range

501–1,000 employees

Short description

ServisFirst Bank is a publicly traded, Birmingham, Alabama-based full-service commercial bank operating 25+ branches across eight Southeast and Texas states, serving businesses through dedicated Commercial Bankers, treasury management, correspondent banking, and consumer products with industry-leading profitability.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Commercial banking services
• Treasury management solutions
• Correspondent banking services
• Small business lending
• Consumer banking products

Headquarters

HQ city

Birmingham

HQ country

United States

HQ region

North America

Offices25 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest earned on loans (commercial and consumer) and securities minus interest paid on deposits. Primary revenue driver with net interest margin expansion to 3.53% in Q1 2026, up 61 basis points year-over-year. Core banking operations generate the majority of revenue.
2. Non-Interest Income / Fee Income: Fee income from treasury management services, merchant services, credit card services, and other banking service charges. Growth in fee income identified as key focus area alongside loan quality and deposit stability.
3. Commercial Banking Services: Revenue from business checking accounts, commercial loans, treasury management services, commercial P-Cards, small business loans including SBA programs, and fraud prevention services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

ServisFirst Bank is a full-service commercial bank offering deposit accounts, commercial and consumer loans, treasury management, correspondent banking, and credit card services across the Southeast US. Commercial clients receive dedicated Commercial Bankers as single points of contact for all business banking needs including business checking, treasury management, commercial P-Cards, merchant services, and SBA lending. The bank also provides personal banking products, mortgage services, and serves other financial institutions through its Correspondent Banking division established in March 2011.

Product overview

ServisFirst Bank offers a unified commercial banking platform with three core divisions: Commercial Banking, Correspondent Banking, and Consumer Banking. The product portfolio centers on the Treasury Management suite (eServis Business Online, Remote Deposit Xpress, Sweep Services, Positive Pay, eStatements), complemented by Credit Card Services (Commercial Purchasing Card, Business Credit Card, Personal Credit Card, Merchant Services powered by Elavon), and Small Business Loans. The bank also provides mobile banking apps, fraud monitoring services, and operates across multiple U.S. states with branch locations. Products function as an integrated ecosystem where treasury services connect to commercial accounts and cards, while merchant services leverage the Elavon partnership for payment processing.

Differentiator

Problem solved

Functional benefit

Brands

• eServis: Online and mobile banking platform for business clients, including eServis Business Online and Advanced eServis Business Online with comprehensive account management, wire transfers, and ACH origination capabilities.
• Remote Deposit Xpress
• Positive Pay
• ServisFirst Purchase Card Program
• ServisFirst Bank Card Manager

Products and services

• Commercial Banking Relationship-driven commercial banking services for businesses, providing dedicated Commercial Bankers as single points of contact for all business banking needs including business checking, business loans and lines, treasury management, and merchant services.
• Correspondent Banking Banking services provided to other financial institutions, including credit relationships and payment processing infrastructure for community banks and smaller institutions.
• Consumer Banking Personal banking services including checking accounts, savings, personal loans, mortgages, and personal credit cards for individual consumers across the bank's Southeast footprint.
• Treasury Management Comprehensive treasury management solutions for businesses including eServis Business Online banking, Remote Deposit Xpress, Sweep Services, eStatements, and Positive Pay fraud prevention.
• Small Business Loans Tailored financing solutions for entrepreneurs and small businesses, including SBA loan programs, equipment financing, and specialized support for women, minority, and veteran-owned small businesses.
• Commercial Purchasing Card (P-Card) Business purchasing card program with expense management software, spend analysis tools, VISA payables automation, merchant category code restrictions, and cash back rebates on business purchases.
• Business Credit Card Business credit cards available in Platinum Benefits (no annual fee) and Cash Back Rewards (1% cash back up to $100,000 annually), with online account management, Visa Zero Liability protection, and 19.50% / 17.50% APR options.
• Personal Credit Card Personal credit cards including Platinum Benefits ($35 annual fee, 0% intro APR for 7 billing cycles, then 19.50% APR) and Cash Back Rewards ($79 annual fee, 1% unlimited cash back up to $100,000, 15.50% APR).
• Merchant Services Payment processing solutions powered by Elavon supporting face-to-face, e-commerce, MOTO, mobile, and tablet POS payments, with next-day funding, single customer service contact, and consolidated statements.

Quantifiable outcome

• 17.91% return on average common equity (Q1 2026), industry-leading profitability
• +6 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature6 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Resource Housing Group, Inc.minorStrategic or Co-development Partner · 26 June 2026Collaboration partner in Cliffmore Park affordable housing development project. WNC partnered with Resource Housing Group and East Carolina Community Development for the 72-unit senior housing project in Fayetteville, North Carolina.
• East Carolina Community Development, Inc.minorStrategic or Co-development Partner · 26 June 2026Collaboration partner in Cliffmore Park affordable housing development project. WNC partnered with Resource Housing Group and East Carolina Community Development for the 72-unit senior housing project in Fayetteville, North Carolina.
• BankerBountyminorGTM or Marketing Partner · 8 February 2026BankerBounty, an incentive referral platform for bank employees, signed ServisFirst Bank as its newest bank partner. The partnership combines BankerBounty's referral platform with ServisFirst Bank's $18B-asset commercial banking operations to enhance service delivery and operational efficiency across Southeast operations.
• ElavoncoreTechnology or IntegrationServisFirst Bank and Elavon have partnered to offer comprehensive merchant services including payment processing for all credit and debit cards, next day funding, competitive rates, and no long-term contract or termination fees. Services cover face-to-face, e-commerce, mobile, and tablet-based POS payments.

Scale indicators24 records

Recent moves11 records

Expansion highlights5 records

Broad incumbents

• Regions Financial: Large-cap Southeast regional bank with a deep branch network across the same states ServisFirst serves. Operates a much broader consumer and wealth management franchise but overlaps significantly in commercial and small business banking.
• Hancock Whitney Corporation: Gulf Coast regional bank with comparable commercial banking focus; competes with ServisFirst in Mobile, Pensacola, and the broader Florida Panhandle / Alabama Gulf region.
• Truist Financial Corporation: Super-regional bank with significant Southeast commercial banking presence; competes with ServisFirst at the larger end of the commercial client spectrum across all eight of its core states.

Direct peers

• Pinnacle Financial Partners: Tennessee-headquartered commercial bank with similar Southeast US footprint, dedicated relationship-banker model, and mid-cap asset base of comparable scale to ServisFirst. Both compete for commercial deposits and SMB relationships across overlapping geographies.
• Atlantic Union Bankshares: Virginia-based commercial bank of similar size with a Southeast footprint that overlaps with ServisFirst's Virginia Beach and Carolinas expansion; comparable commercial banking model and product set.
• SouthState Corporation: Southeast US commercial bank of similar asset size formed through mergers; competes head-to-head with ServisFirst for commercial and small business relationships across the Carolinas, Georgia, Florida, and Alabama.
• BankUnited: Florida-headquartered commercial bank with a similar commercial-lending focus; directly overlaps with ServisFirst's Tampa Bay, Orlando, and South Florida ambitions.
• Cadence Bank: Mid-size commercial bank operating across the Southeast and Texas with a similar commercial banker-driven model; direct overlap in Texas and the I-85 corridor with ServisFirst.
• First Horizon Corporation: Tennessee-headquartered regional commercial bank with significant Southeast presence; competes for the same commercial banking and treasury management customers in markets like Memphis, Nashville, and the Carolinas.
• Synovus Financial: Mid-size commercial bank headquartered in Georgia with concentrated Southeast presence and a commercial-banking-led model closely mirroring ServisFirst's relationship-driven approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/servisfirstbankchas
• LinkedInlinkedin.com/company/servisfirstbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries2 records

Funding overview

Funding rounds5 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Servis1st Bank