$77.41

-0.16 (-0.21%)

Weekly Expected Move ±3.1%

$70 $73 $75 $77 $80

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 48 · $4.2B mcap · 51M float · 0.624% daily turnover · Short 57% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

51.8 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 13.5% · 5Y Avg: 17.5%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. SFBS shows a Weak competitive edge (51.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 13.5% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$91

Low

$91

Avg Target

$91

High

Based on 1 analyst since Apr 20, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 3Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$91.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-04-21	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-21	Piper Sandler	Stephen Scouten	$89	$91	+2	+16.5%	$78.14
2026-01-21	Piper Sandler	Stephen Scouten	$80	$89	+9	+2.6%	$86.77
2025-12-19	Hovde Group	—	Initiated	$89	—	+21.9%	$73.01
2025-10-21	Piper Sandler	—	$84	$80	-4	+9.2%	$73.23
2025-10-07	Raymond James	—	Initiated	$95	—	+15.3%	$82.36
2025-04-22	Piper Sandler	Graham Dick	$79	$84	+5	+20.9%	$69.47
2024-10-22	Piper Sandler	Stephen Scouten	$70	$79	+9	-4.6%	$82.81
2024-07-16	Piper Sandler	Graham Dick	Initiated	$70	—	-1.2%	$70.88

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. SFBS receives an overall rating of B. Strongest factors: ROE (4/5), ROA (4/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-05-04	B+	B
2026-04-21	B	B+
2026-04-21	A-	B
2026-04-16	B+	A-
2026-04-01	B-	B+
2026-03-04	B	B-
2026-02-06	B+	B
2026-01-30	B	B+
2026-01-23	B+	B
2026-01-21	B	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 62 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. SFBS scores highest in Earnings Quality (93/100) and lowest in Balance Sheet (39/100). An overall grade of A+ places SFBS among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.86

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.57

Unlikely Manipulator

Ohlson O-Score

-5.15

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

A-

Score: 66.5/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.27x

Accruals: -0.5%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. SFBS scores 2.86, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. SFBS scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. SFBS's score of -2.57 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. SFBS's implied 0.6% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. SFBS receives an estimated rating of A- (score: 66.5/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). SFBS's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

14.28x

PEG

0.62x

P/S

4.15x

P/B

2.21x

P/FCF

10.67x

P/OCF

10.50x

EV/EBITDA

11.75x

EV/Revenue

4.22x

EV/EBIT

11.82x

EV/FCF

11.59x

Earnings Yield

7.48%

FCF Yield

9.38%

Shareholder Yield

1.93%

Graham Number

$64.23

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 14.3x earnings, SFBS trades at a reasonable valuation. An earnings yield of 7.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $64.23 per share, 21% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.814

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.357

EBIT / Rev

Asset Turnover

0.058

Rev / Assets

Equity Multiplier

10.120

Assets / Equity

ROE

17.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. SFBS's ROE of 17.1% is driven by financial leverage (equity multiplier: 10.12x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

5.48%

Fair P/E

19.47x

Intrinsic Value

$105.53

Price/Value

0.69x

Margin of Safety

31.34%

Premium

-31.34%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with SFBS's realized 5.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $105.53, SFBS appears undervalued with a 31% margin of safety. The adjusted fair P/E of 19.5x compares to the current market P/E of 14.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$77.45

Median 1Y

$81.98

5th Pctile

$43.48

95th Pctile

$155.78

Ann. Volatility

39.3%

Analyst Target

$91.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Thomas A. Broughton, III President and Chief Executive Officer	$785,000	$824,250	$2,474,442
Rodney E. Rushing EVP and Chief Operating Officer	$490,000	$245,000	$1,118,300
David A. Sparacio EVP and Chief Financial Officer	$291,667	$456,550	$921,839
James H. Harper SVP and Chief Credit Officer	$186,667	$213,240	$607,980
Edison K. Woodie, III Former Interim Chief Financial Officer	$225,000	$—	$299,760
Henry F. Abbott Former SVP and Chief Credit Officer	$179,200	$63,392	$263,665

CEO Pay Ratio

15:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,474,442

Avg Employee Cost (SGA/emp): $164,282

Employees: 666

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

666

+5.7% YoY

Revenue / Employee

$1,527,769

Rev: $1,017,494,000

Profit / Employee

$415,320

NI: $276,603,000

SGA / Employee

$164,282

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	21.3%	22.3%	19.4%	19.9%	21.1%	22.2%	20.5%	20.6%	19.9%	19.0%	15.1%	14.5%	14.4%	14.9%	14.9%	15.7%	16.3%	16.7%	16.0%	17.1%	17.10%
ROA	1.9%	2.0%	1.5%	1.6%	1.7%	1.7%	1.7%	1.7%	1.6%	1.5%	1.3%	1.3%	1.3%	1.3%	1.4%	1.4%	1.5%	1.5%	1.6%	1.7%	1.69%
ROIC	-16.5%	-17.3%	-10.0%	-10.3%	-10.9%	-11.4%	16.5%	16.6%	16.0%	15.3%	-2.2%	-2.1%	-2.1%	-2.1%	26.5%	28.1%	29.2%	29.8%	12.6%	13.5%	13.52%
ROCE	22.7%	23.6%	19.9%	20.5%	21.5%	22.5%	21.9%	21.9%	21.0%	19.9%	15.6%	14.9%	15.0%	15.7%	15.6%	16.6%	17.2%	17.6%	2.5%	2.7%	2.68%
Gross Margin	84.2%	87.6%	84.4%	89.4%	85.5%	75.7%	66.7%	58.8%	52.0%	46.8%	40.9%	45.4%	46.3%	46.0%	49.2%	50.2%	48.9%	49.9%	57.8%	58.8%	58.79%
Operating Margin	56.4%	57.0%	59.2%	58.7%	56.3%	48.7%	51.0%	37.7%	32.6%	28.0%	21.3%	25.7%	28.2%	28.2%	31.9%	31.7%	31.0%	31.0%	40.3%	40.0%	40.02%
Net Margin	44.5%	46.8%	51.7%	47.6%	45.6%	40.5%	41.0%	30.9%	27.0%	24.1%	19.0%	21.2%	22.1%	23.4%	26.2%	25.4%	24.9%	25.8%	32.3%	32.9%	32.89%
EBITDA Margin	57.3%	58.0%	60.3%	59.6%	57.0%	49.4%	51.5%	38.3%	33.2%	28.5%	21.9%	26.2%	28.6%	28.8%	32.4%	32.2%	31.4%	31.5%	40.3%	40.0%	40.02%
FCF Margin	46.5%	59.3%	58.7%	58.1%	56.4%	51.1%	46.0%	39.0%	33.0%	22.7%	23.3%	21.9%	22.0%	28.4%	25.4%	24.5%	26.1%	32.5%	34.5%	36.4%	36.39%
OCF Margin	50.3%	61.5%	60.9%	59.8%	55.5%	51.5%	46.6%	39.6%	33.6%	23.3%	23.8%	22.3%	22.5%	29.1%	25.9%	25.0%	26.6%	32.4%	34.9%	37.0%	36.98%
ROE 3Y Avg	snapshot only																				14.90%
ROE 5Y Avg	snapshot only																				16.54%
ROA 3Y Avg	snapshot only																				1.43%
ROIC 3Y Avg	snapshot only																				11.63%
ROIC Economic	snapshot only																				8.88%
Cash ROA	snapshot only																				2.13%
Cash ROIC	snapshot only																				17.21%
CROIC	snapshot only																				16.94%
NOPAT Margin	snapshot only																				29.04%
Pretax Margin	snapshot only																				35.67%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				11.24%
SBC / Revenue	snapshot only																				0.28%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	17.66	19.36	20.92	22.86	17.97	17.39	14.20	11.30	8.82	11.83	17.05	17.76	17.03	21.10	20.05	18.49	16.82	17.17	14.12	13.37	14.280
P/S Ratio	8.05	9.07	9.93	10.87	8.58	7.95	6.15	4.40	3.02	3.56	4.26	4.03	3.68	4.53	4.66	4.49	4.19	4.39	3.84	3.88	4.146
P/B Ratio	3.48	4.00	3.77	4.24	3.53	3.59	2.75	2.19	1.65	2.12	2.45	2.45	2.34	2.99	2.82	2.75	2.60	2.71	2.11	2.14	2.213
P/FCF	17.29	15.29	16.91	18.71	15.21	15.57	13.38	11.28	9.18	15.68	18.24	18.41	16.70	15.95	18.35	18.34	16.09	13.50	11.13	10.67	10.666
P/OCF	15.99	14.73	16.31	18.18	15.45	15.43	13.20	11.10	9.01	15.27	17.88	18.06	16.37	15.56	18.01	17.97	15.75	13.55	10.99	10.50	10.496
EV/EBITDA	5.06	6.82	4.32	6.27	2.99	3.09	12.12	9.82	7.87	10.41	8.00	8.36	7.60	11.02	13.37	12.19	11.02	11.38	12.29	11.75	11.753
EV/Revenue	2.97	4.08	2.55	3.69	1.75	1.73	6.54	4.74	3.34	3.85	2.40	2.28	2.00	2.92	3.88	3.72	3.44	3.63	4.17	4.22	4.217
EV/EBIT	5.15	6.94	4.40	6.38	3.04	3.14	12.29	9.95	7.98	10.57	8.15	8.52	7.74	11.23	13.60	12.39	11.19	11.55	12.41	11.82	11.823
EV/FCF	6.38	6.89	4.34	6.34	3.11	3.39	14.22	12.17	10.13	16.95	10.31	10.41	9.08	10.27	15.29	15.21	13.18	11.16	12.11	11.59	11.588
Earnings Yield	5.7%	5.2%	4.8%	4.4%	5.6%	5.8%	7.0%	8.9%	11.3%	8.5%	5.9%	5.6%	5.9%	4.7%	5.0%	5.4%	5.9%	5.8%	7.1%	7.5%	7.48%
FCF Yield	5.8%	6.5%	5.9%	5.3%	6.6%	6.4%	7.5%	8.9%	10.9%	6.4%	5.5%	5.4%	6.0%	6.3%	5.5%	5.5%	6.2%	7.4%	9.0%	9.4%	9.38%
PEG Ratio	snapshot only																				0.624
Price/Tangible Book	snapshot only																				2.157
EV/OCF	snapshot only																				11.404
EV/Gross Profit	snapshot only																				7.822
Acquirers Multiple	snapshot only																				11.823
Shareholder Yield	snapshot only																				1.93%
Graham Number	snapshot only																				$64.23

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.29	0.29	0.36	0.36	0.36	0.36	0.11	0.11	0.11	0.11	0.20	0.20	0.20	0.20	0.19	0.19	0.19	0.19	0.28	0.28	0.280
Quick Ratio	0.29	0.29	0.36	0.36	0.36	0.36	0.11	0.11	0.11	0.11	0.20	0.20	0.20	0.20	0.19	0.19	0.19	0.19	0.28	0.28	0.280
Debt/Equity	0.92	0.92	1.54	1.54	1.54	1.54	1.30	1.30	1.30	1.30	0.92	0.92	0.92	0.92	1.27	1.27	1.27	1.27	0.81	0.81	0.814
Net Debt/Equity	-2.20	-2.20	-2.80	-2.80	-2.80	-2.80	0.17	0.17	0.17	0.17	-1.07	-1.07	-1.07	-1.07	-0.47	-0.47	-0.47	-0.47	0.19	0.19	0.185
Debt/Assets	0.08	0.08	0.11	0.11	0.11	0.11	0.12	0.12	0.12	0.12	0.08	0.08	0.08	0.08	0.12	0.12	0.12	0.12	0.08	0.08	0.085
Debt/EBITDA	3.63	3.50	6.89	6.72	6.40	6.11	5.38	5.39	5.60	5.89	5.31	5.53	5.49	5.25	7.25	6.81	6.59	6.47	4.36	4.11	4.114
Net Debt/EBITDA	-8.64	-8.32	-12.53	-12.22	-11.64	-11.12	0.72	0.72	0.75	0.78	-6.16	-6.42	-6.37	-6.10	-2.68	-2.51	-2.43	-2.39	0.99	0.94	0.935
Interest Coverage	6.87	7.81	7.97	8.32	8.19	5.92	3.49	2.00	1.28	0.87	0.61	0.52	0.49	0.49	0.56	0.60	0.63	0.67	0.75	0.84	0.845
Equity Multiplier	12.02	12.02	13.42	13.42	13.42	13.42	11.25	11.25	11.25	11.25	11.20	11.20	11.20	11.20	10.74	10.74	10.74	10.74	9.58	9.58	9.583
Cash Ratio	snapshot only																				0.280
Debt Service Coverage	snapshot only																				0.850
Cash to Debt	snapshot only																				0.773
FCF to Debt	snapshot only																				0.247
Defensive Interval	snapshot only																				2402.7 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.058
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	13.61	13.87	12.21	12.55	13.21	14.49	13.94	15.54	17.04	18.55	15.41	16.30	17.01	17.66	16.02	16.25	16.42	16.38	16.31	16.36	16.362
Payables Turnover	5.92	5.14	4.88	4.68	4.83	6.73	7.82	11.81	16.49	21.41	18.24	20.47	21.86	22.76	18.74	18.58	18.55	18.15	16.91	16.21	16.214
DSO	27	26	30	29	28	25	26	23	21	20	24	22	21	21	23	22	22	22	22	22	22.3 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	62	71	75	78	76	54	47	31	22	17	20	18	17	16	19	20	20	20	22	23	22.5 days
Cash Conversion Cycle	-35	-45	-45	-49	-48	-29	-21	-7	-1	3	4	5	5	5	3	3	3	2	1	-0	-0.2 days
Fixed Asset Turnover	snapshot only																				16.898
Cash Velocity	snapshot only																				0.877
Capital Intensity	snapshot only																				17.370

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	4.4%	7.1%	5.7%	7.2%	10.2%	18.7%	32.7%	43.9%	49.8%	48.7%	42.8%	35.5%	29.0%	23.0%	17.9%	13.0%	9.5%	5.2%	4.1%	3.0%	2.99%
Net Income	27.3%	28.4%	22.5%	14.8%	15.4%	15.9%	21.1%	17.8%	7.6%	-2.1%	-17.7%	-21.0%	-18.8%	-12.2%	9.9%	20.9%	26.4%	25.1%	21.7%	23.3%	23.25%
EPS	26.7%	27.8%	22.0%	14.6%	15.3%	15.8%	21.0%	17.7%	7.7%	-2.1%	-17.7%	-21.1%	-18.9%	-12.4%	9.6%	21.1%	26.2%	25.0%	21.7%	22.9%	22.86%
FCF	-2.7%	47.0%	35.9%	29.7%	33.5%	2.2%	3.9%	-3.5%	-12.5%	-33.9%	-27.5%	-23.9%	-13.8%	54.0%	28.4%	26.3%	29.6%	20.2%	41.2%	53.2%	53.24%
EBITDA	28.5%	28.6%	18.1%	10.1%	10.0%	10.9%	21.4%	18.3%	8.4%	-1.7%	-20.4%	-23.6%	-19.9%	-11.9%	14.0%	26.5%	29.6%	26.5%	21.8%	21.1%	21.11%
Op. Income	28.9%	29.0%	18.3%	10.2%	10.2%	11.1%	21.9%	18.7%	8.6%	-1.7%	-20.8%	-24.0%	-20.3%	-12.3%	14.1%	26.9%	30.1%	27.2%	22.6%	22.4%	22.38%
OCF Growth	snapshot only																				52.55%
Asset Growth	snapshot only																				2.16%
Equity Growth	snapshot only																				14.45%
Debt Growth	snapshot only																				-26.82%
Shares Change	snapshot only																				0.32%
Dividend Growth	snapshot only																				12.30%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	11.9%	10.6%	8.9%	7.8%	7.6%	9.3%	12.5%	16.1%	19.9%	23.7%	26.0%	27.9%	28.7%	29.5%	30.7%	30.1%	28.4%	24.4%	20.6%	16.4%	16.41%
Revenue 5Y	16.0%	15.4%	14.3%	13.9%	13.9%	14.8%	15.9%	17.3%	18.3%	19.0%	19.6%	19.5%	19.2%	19.0%	19.1%	19.1%	19.5%	19.6%	19.7%	19.5%	19.47%
EPS 3Y	20.1%	18.7%	14.6%	15.0%	16.6%	17.7%	18.7%	18.9%	16.3%	13.2%	6.7%	2.1%	0.2%	-0.2%	2.9%	4.0%	3.3%	2.4%	3.1%	5.5%	5.48%
EPS 5Y	20.8%	20.6%	20.5%	20.4%	20.2%	20.3%	21.8%	19.4%	16.5%	13.7%	8.4%	7.2%	6.7%	7.0%	8.6%	9.9%	10.0%	9.7%	10.1%	9.6%	9.62%
Net Income 3Y	20.3%	18.9%	14.9%	15.4%	16.9%	18.0%	19.0%	19.1%	16.5%	13.4%	6.9%	2.2%	0.3%	-0.1%	3.0%	4.0%	3.4%	2.5%	3.2%	5.6%	5.58%
Net Income 5Y	21.2%	20.9%	20.6%	20.5%	20.4%	20.5%	22.0%	19.6%	16.7%	13.8%	8.6%	7.4%	6.9%	7.2%	8.8%	10.1%	10.2%	9.9%	10.3%	9.7%	9.74%
EBITDA 3Y	17.0%	17.1%	14.3%	14.4%	15.6%	16.4%	17.9%	18.0%	15.3%	11.9%	4.5%	-0.2%	-1.5%	-1.3%	3.3%	4.6%	4.0%	3.1%	3.4%	5.4%	5.41%
EBITDA 5Y	19.3%	19.1%	17.7%	17.5%	17.2%	16.8%	17.4%	15.9%	13.8%	11.8%	7.6%	6.3%	6.0%	6.5%	8.3%	9.7%	9.7%	9.3%	9.6%	8.8%	8.81%
Gross Profit 3Y	14.4%	15.1%	13.8%	14.4%	15.7%	16.6%	17.2%	17.1%	14.8%	12.3%	8.4%	5.6%	4.7%	4.2%	6.9%	6.9%	5.8%	4.6%	5.1%	6.4%	6.42%
Gross Profit 5Y	16.0%	16.2%	15.1%	15.3%	15.4%	15.5%	15.8%	14.7%	13.2%	11.7%	10.0%	9.2%	9.1%	9.3%	10.1%	10.8%	10.6%	10.4%	10.5%	9.9%	9.91%
Op. Income 3Y	17.1%	17.2%	14.5%	14.6%	15.8%	16.7%	18.2%	18.3%	15.5%	12.1%	4.5%	-0.2%	-1.6%	-1.4%	3.3%	4.6%	4.0%	3.1%	3.5%	5.7%	5.67%
Op. Income 5Y	19.6%	19.4%	18.0%	17.7%	17.4%	17.0%	17.6%	16.0%	14.0%	11.9%	7.7%	6.3%	6.1%	6.5%	8.3%	9.8%	9.8%	9.5%	9.8%	9.1%	9.07%
FCF 3Y	12.6%	20.7%	15.7%	15.7%	21.2%	20.2%	18.1%	13.4%	4.4%	-0.2%	0.8%	-1.6%	0.3%	1.3%	-1.1%	-2.5%	-0.7%	7.0%	9.5%	13.8%	13.78%
FCF 5Y	19.7%	24.7%	27.5%	28.8%	29.3%	27.9%	22.4%	17.4%	10.8%	3.5%	3.1%	2.6%	6.1%	12.1%	8.9%	7.0%	4.9%	13.0%	13.2%	13.0%	13.02%
OCF 3Y	13.1%	20.6%	16.5%	16.3%	19.9%	19.9%	18.1%	13.6%	4.7%	0.2%	1.0%	-1.7%	-1.7%	0.9%	-1.7%	-2.7%	0.5%	6.5%	9.5%	13.8%	13.75%
OCF 5Y	18.7%	23.2%	22.0%	21.8%	20.4%	19.7%	18.0%	14.9%	9.8%	3.3%	3.2%	2.7%	6.1%	12.3%	9.0%	7.2%	5.1%	12.6%	13.2%	12.9%	12.89%
Assets 3Y	19.0%	19.0%	24.5%	24.5%	24.5%	24.5%	17.7%	17.7%	17.7%	17.7%	10.6%	10.6%	10.6%	10.6%	3.9%	3.9%	3.9%	3.9%	6.7%	6.7%	6.69%
Assets 5Y	18.6%	18.6%	19.4%	19.4%	19.4%	19.4%	15.6%	15.6%	15.6%	15.6%	15.0%	15.0%	15.0%	15.0%	14.2%	14.2%	14.2%	14.2%	8.2%	8.2%	8.24%
Equity 3Y	17.8%	17.8%	17.2%	17.2%	17.2%	17.2%	15.5%	15.5%	15.5%	15.5%	13.2%	13.2%	13.2%	13.2%	12.0%	12.0%	12.0%	12.0%	12.6%	12.6%	12.55%
Book Value 3Y	17.6%	17.6%	16.9%	16.9%	16.9%	16.9%	15.2%	15.2%	15.3%	15.3%	13.0%	13.1%	13.1%	13.1%	11.9%	12.0%	11.9%	11.9%	12.5%	12.5%	12.45%
Dividend 3Y	4.9%	4.7%	4.5%	4.6%	4.6%	4.6%	4.6%	5.3%	6.0%	6.2%	6.7%	5.1%	3.6%	14.2%	12.6%	12.9%	12.9%	3.4%	3.7%	3.9%	3.85%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.97	0.95	0.93	0.93	0.95	0.95	0.89	0.83	0.80	0.80	0.79	0.79	0.80	0.83	0.85	0.88	0.91	0.93	0.95	0.96	0.960
Earnings Stability	0.98	0.97	0.97	0.99	0.98	0.98	0.97	0.98	0.98	0.94	0.75	0.66	0.61	0.60	0.61	0.58	0.56	0.55	0.61	0.59	0.587
Margin Stability	0.92	0.91	0.92	0.91	0.90	0.91	0.93	0.90	0.87	0.84	0.81	0.78	0.76	0.74	0.74	0.73	0.73	0.73	0.74	0.74	0.742
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.89	0.89	0.91	0.94	0.94	0.94	0.92	0.93	0.97	0.99	0.93	0.92	0.92	0.95	0.96	0.92	0.89	0.90	0.91	0.91	0.907
Earnings Smoothness	0.76	0.75	0.80	0.86	0.86	0.85	0.81	0.84	0.93	0.98	0.81	0.77	0.79	0.87	0.91	0.81	0.77	0.78	0.80	0.79	0.792
ROE Trend	0.01	0.01	0.01	0.00	0.01	0.01	0.02	0.01	-0.01	-0.03	-0.04	-0.05	-0.05	-0.05	-0.03	-0.02	-0.01	-0.00	0.01	0.02	0.017
Gross Margin Trend	0.13	0.15	0.12	0.11	0.09	0.03	-0.03	-0.14	-0.23	-0.29	-0.33	-0.32	-0.30	-0.25	-0.17	-0.10	-0.05	-0.00	0.04	0.07	0.069
FCF Margin Trend	0.02	0.18	0.16	0.13	0.08	-0.00	-0.06	-0.14	-0.19	-0.32	-0.29	-0.27	-0.23	-0.08	-0.09	-0.06	-0.01	0.07	0.10	0.13	0.132
Sustainable Growth Rate	17.9%	19.0%	16.3%	16.8%	17.7%	18.8%	17.5%	17.3%	16.3%	15.5%	11.8%	11.1%	10.9%	10.2%	10.6%	11.3%	11.8%	12.0%	11.7%	12.7%	12.73%
Internal Growth Rate	1.6%	1.7%	1.3%	1.3%	1.4%	1.5%	1.4%	1.4%	1.4%	1.3%	1.1%	1.0%	1.0%	0.9%	1.0%	1.0%	1.1%	1.1%	1.2%	1.3%	1.27%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.10	1.31	1.28	1.26	1.16	1.13	1.08	1.02	0.98	0.77	0.95	0.98	1.04	1.36	1.11	1.03	1.07	1.27	1.28	1.27	1.273
FCF/OCF	0.93	0.96	0.96	0.97	1.02	0.99	0.99	0.98	0.98	0.97	0.98	0.98	0.98	0.98	0.98	0.98	0.98	1.00	0.99	0.98	0.984
FCF/Net Income	snapshot only																				1.253
OCF/EBITDA	snapshot only																				1.031
CapEx/Revenue	3.8%	2.2%	2.2%	1.7%	0.9%	0.4%	0.6%	0.7%	0.6%	0.6%	0.5%	0.4%	0.4%	0.7%	0.5%	0.5%	0.6%	0.1%	0.4%	0.6%	0.59%
CapEx/Depreciation	snapshot only																				2.771
Accruals Ratio	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.005
Sloan Accruals	snapshot only																				0.552
Cash Flow Adequacy	snapshot only																				4.619
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.9%	0.8%	0.8%	0.7%	0.9%	0.9%	1.1%	1.4%	2.0%	1.6%	1.3%	1.3%	1.4%	1.5%	1.4%	1.5%	1.7%	1.6%	1.9%	1.9%	1.85%
Dividend/Share	$0.57	$0.57	$0.60	$0.63	$0.66	$0.66	$0.69	$0.74	$0.79	$0.79	$0.84	$0.86	$0.88	$1.18	$1.20	$1.24	$1.27	$1.30	$1.34	$1.38	$1.43
Payout Ratio	15.9%	15.2%	15.7%	16.0%	15.9%	15.1%	14.9%	16.0%	17.7%	18.5%	22.1%	23.6%	24.3%	31.5%	28.8%	28.0%	27.8%	27.9%	26.5%	25.5%	25.55%
FCF Payout Ratio	15.6%	12.0%	12.7%	13.1%	13.5%	13.5%	14.1%	16.0%	18.4%	24.6%	23.7%	24.4%	23.8%	23.8%	26.4%	27.8%	26.6%	22.0%	20.9%	20.4%	20.38%
Total Payout Ratio	15.9%	15.2%	15.7%	16.0%	15.9%	15.1%	14.9%	16.0%	17.7%	18.5%	22.1%	23.6%	24.3%	31.5%	28.8%	28.0%	27.8%	27.9%	26.5%	25.8%	25.76%
Div. Increase Streak	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.17	0.16	0.16	0.16	0.16	0.16	0.16	0.19	0.22	0.22	0.23	0.18	0.13	0.51	0.44	0.45	0.46	0.12	0.14	0.14	0.142
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.02%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.01%
Total Shareholder Return	0.9%	0.8%	0.8%	0.7%	0.9%	0.9%	1.1%	1.4%	2.0%	1.6%	1.3%	1.3%	1.4%	1.5%	1.4%	1.5%	1.6%	1.6%	1.9%	1.9%	1.90%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.79	0.80	0.82	0.82	0.83	0.83	0.81	0.82	0.82	0.83	0.85	0.85	0.84	0.83	0.81	0.81	0.81	0.81	0.81	0.81	0.814
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.58	0.59	0.58	0.58	0.58	0.55	0.53	0.48	0.42	0.36	0.30	0.27	0.26	0.26	0.29	0.30	0.31	0.31	0.34	0.36	0.357
Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.058
Equity Multiplier	11.38	11.38	12.77	12.77	12.77	12.77	12.27	12.27	12.27	12.27	11.22	11.22	11.22	11.22	10.96	10.96	10.96	10.96	10.12	10.12	10.120

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$3.59	$3.76	$3.81	$3.92	$4.14	$4.35	$4.61	$4.62	$4.46	$4.26	$3.79	$3.64	$3.62	$3.74	$4.16	$4.41	$4.57	$4.67	$5.06	$5.42	$5.42
Book Value/Share	$18.22	$18.22	$21.13	$21.12	$21.12	$21.11	$23.79	$23.79	$23.80	$23.79	$26.40	$26.37	$26.37	$26.35	$29.57	$29.65	$29.57	$29.57	$33.83	$33.83	$34.98
Tangible Book/Share	$17.97	$17.96	$20.88	$20.87	$20.87	$20.86	$23.54	$23.54	$23.55	$23.54	$26.15	$26.12	$26.12	$26.10	$29.33	$29.40	$29.32	$29.32	$33.58	$33.58	$33.58
Revenue/Share	$7.89	$8.03	$8.03	$8.25	$8.68	$9.52	$10.64	$11.86	$13.01	$14.16	$15.20	$16.06	$16.76	$17.39	$17.88	$18.18	$18.32	$18.28	$18.61	$18.67	$18.67
FCF/Share	$3.67	$4.76	$4.71	$4.79	$4.90	$4.86	$4.89	$4.62	$4.29	$3.22	$3.55	$3.52	$3.69	$4.94	$4.54	$4.45	$4.78	$5.94	$6.41	$6.79	$6.79
OCF/Share	$3.97	$4.94	$4.89	$4.93	$4.82	$4.90	$4.96	$4.70	$4.37	$3.30	$3.62	$3.58	$3.76	$5.07	$4.63	$4.54	$4.88	$5.92	$6.50	$6.90	$6.90
Cash/Share	$56.86	$56.84	$91.87	$91.82	$91.80	$91.78	$26.76	$26.76	$26.77	$26.76	$52.38	$52.32	$52.32	$52.27	$51.58	$51.71	$51.56	$51.56	$21.29	$21.29	$20.81
EBITDA/Share	$4.63	$4.81	$4.73	$4.85	$5.09	$5.33	$5.74	$5.73	$5.52	$5.24	$4.57	$4.38	$4.41	$4.61	$5.19	$5.55	$5.71	$5.82	$6.32	$6.70	$6.70
Debt/Share	$16.83	$16.82	$32.60	$32.58	$32.58	$32.57	$30.87	$30.87	$30.89	$30.87	$24.23	$24.20	$24.20	$24.18	$37.67	$37.77	$37.66	$37.65	$27.55	$27.55	$27.55
Net Debt/Share	$-40.03	$-40.02	$-59.27	$-59.24	$-59.23	$-59.21	$4.11	$4.11	$4.11	$4.11	$-28.15	$-28.12	$-28.12	$-28.09	$-13.91	$-13.95	$-13.91	$-13.90	$6.26	$6.26	$6.26

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.856
Altman Z-Prime	snapshot only																				-0.410
Piotroski F-Score	7	7	6	7	7	7	5	5	5	5	6	5	6	6	7	8	7	7	8	8	8
Beneish M-Score	-2.16	-2.21	-2.52	-2.52	-2.47	-2.26	-1.77	-1.64	-1.60	-1.63	-1.95	-2.13	-2.23	-2.31	-2.44	-2.43	-2.41	-2.48	-2.52	-2.57	-2.567
Ohlson O-Score	snapshot only																				-5.150
Net-Net WC	snapshot only																				$-269.09
EVA	snapshot only																				$77122700.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A-
Credit Score	72.60	72.69	66.32	67.43	66.66	67.10	62.80	63.17	62.27	62.38	69.56	68.18	68.78	70.22	67.15	68.67	68.34	69.36	67.24	66.47	66.473
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-2.193
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				56
Sector Credit Rank	snapshot only																				56

SFBS NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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