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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and ServisFirst Bancshares, Inc. (SFBS). Click either name above to swap in a different company.
ServisFirst Bancshares, Inc. is the larger business by last-quarter revenue ($159.0M vs $153.1M, roughly 1.0× CPI Card Group Inc.). ServisFirst Bancshares, Inc. runs the higher net margin — 52.2% vs 4.8%, a 47.4% gap on every dollar of revenue. Over the past eight quarters, ServisFirst Bancshares, Inc.'s revenue compounded faster (17.7% CAGR vs 16.9%).
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
ServisFirst Bancshares, Inc. is a U.S.-based bank holding company operating full-service banking locations primarily across the Southeastern United States. It offers a full suite of commercial banking, consumer banking, wealth management, and mortgage lending services to small and medium-sized businesses, professional clients, and individual consumers.
PMTS vs SFBS — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $159.0M |
| Net Profit | $7.3M | $83.0M |
| Gross Margin | 31.5% | — |
| Operating Margin | 12.0% | — |
| Net Margin | 4.8% | 52.2% |
| Revenue YoY | 22.3% | — |
| Net Profit YoY | 8.5% | 31.2% |
| EPS (diluted) | $0.62 | $1.52 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $159.0M | ||
| Q4 25 | $153.1M | $162.2M | ||
| Q3 25 | $138.0M | $136.3M | ||
| Q2 25 | $129.8M | $132.1M | ||
| Q1 25 | $122.8M | $131.8M | ||
| Q4 24 | $125.1M | $131.9M | ||
| Q3 24 | $124.8M | $123.7M | ||
| Q2 24 | $118.8M | $114.8M |
| Q1 26 | — | $83.0M | ||
| Q4 25 | $7.3M | $86.4M | ||
| Q3 25 | $2.3M | $65.6M | ||
| Q2 25 | $518.0K | $61.4M | ||
| Q1 25 | $4.8M | $63.2M | ||
| Q4 24 | $6.8M | $65.2M | ||
| Q3 24 | $1.3M | $59.9M | ||
| Q2 24 | $6.0M | $52.1M |
| Q1 26 | — | — | ||
| Q4 25 | 31.5% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 35.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 12.0% | 66.3% | ||
| Q3 25 | 9.4% | 57.8% | ||
| Q2 25 | 7.3% | 58.0% | ||
| Q1 25 | 11.5% | 60.0% | ||
| Q4 24 | 12.7% | 60.2% | ||
| Q3 24 | 14.3% | 58.5% | ||
| Q2 24 | 12.5% | 58.0% |
| Q1 26 | — | 52.2% | ||
| Q4 25 | 4.8% | 59.0% | ||
| Q3 25 | 1.7% | 48.1% | ||
| Q2 25 | 0.4% | 46.5% | ||
| Q1 25 | 3.9% | 48.0% | ||
| Q4 24 | 5.4% | 52.9% | ||
| Q3 24 | 1.0% | 48.4% | ||
| Q2 24 | 5.1% | 45.4% |
| Q1 26 | — | $1.52 | ||
| Q4 25 | $0.62 | $1.58 | ||
| Q3 25 | $0.19 | $1.20 | ||
| Q2 25 | $0.04 | $1.12 | ||
| Q1 25 | $0.40 | $1.16 | ||
| Q4 24 | $0.56 | $1.19 | ||
| Q3 24 | $0.11 | $1.10 | ||
| Q2 24 | $0.51 | $0.95 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $21.7M | $1.8B |
| Total DebtLower is stronger | $286.7M | — |
| Stockholders' EquityBook value | $-17.3M | $1.9B |
| Total Assets | $403.2M | $18.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.8B | ||
| Q4 25 | $21.7M | — | ||
| Q3 25 | $16.0M | — | ||
| Q2 25 | $17.1M | — | ||
| Q1 25 | $31.5M | — | ||
| Q4 24 | $33.5M | — | ||
| Q3 24 | $14.7M | — | ||
| Q2 24 | $7.5M | — |
| Q1 26 | — | — | ||
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — |
| Q1 26 | — | $1.9B | ||
| Q4 25 | $-17.3M | $1.8B | ||
| Q3 25 | $-25.7M | $1.8B | ||
| Q2 25 | $-29.0M | $1.7B | ||
| Q1 25 | $-29.7M | $1.7B | ||
| Q4 24 | $-35.6M | $1.6B | ||
| Q3 24 | $-42.8M | $1.6B | ||
| Q2 24 | $-44.6M | $1.5B |
| Q1 26 | — | $18.2B | ||
| Q4 25 | $403.2M | $17.7B | ||
| Q3 25 | $407.1M | $17.6B | ||
| Q2 25 | $399.8M | $17.4B | ||
| Q1 25 | $351.9M | $18.6B | ||
| Q4 24 | $349.7M | $17.4B | ||
| Q3 24 | $342.3M | $16.4B | ||
| Q2 24 | $321.4M | $16.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $39.6M | — |
| Free Cash FlowOCF − Capex | $35.2M | — |
| FCF MarginFCF / Revenue | 23.0% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | 5.39× | — |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $39.6M | $355.2M | ||
| Q3 25 | $10.0M | $140.9M | ||
| Q2 25 | $4.3M | $67.6M | ||
| Q1 25 | $5.6M | $48.0M | ||
| Q4 24 | $26.7M | $252.9M | ||
| Q3 24 | $12.5M | $84.0M | ||
| Q2 24 | $-4.8M | $48.3M |
| Q1 26 | — | — | ||
| Q4 25 | $35.2M | — | ||
| Q3 25 | $5.3M | — | ||
| Q2 25 | $533.0K | — | ||
| Q1 25 | $292.0K | — | ||
| Q4 24 | $21.6M | — | ||
| Q3 24 | $11.1M | — | ||
| Q2 24 | $-6.0M | — |
| Q1 26 | — | — | ||
| Q4 25 | 23.0% | — | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 17.3% | — | ||
| Q3 24 | 8.9% | — | ||
| Q2 24 | -5.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | — | ||
| Q3 25 | 3.4% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 4.3% | — | ||
| Q4 24 | 4.0% | — | ||
| Q3 24 | 1.2% | — | ||
| Q2 24 | 1.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | 5.39× | 4.11× | ||
| Q3 25 | 4.32× | 2.15× | ||
| Q2 25 | 8.39× | 1.10× | ||
| Q1 25 | 1.17× | 0.76× | ||
| Q4 24 | 3.94× | 3.88× | ||
| Q3 24 | 9.70× | 1.40× | ||
| Q2 24 | -0.79× | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
SFBS
| Net Interest Income | $148.1M | 93% |
| Noninterest Income | $10.8M | 7% |
