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Side-by-side financial comparison of ServisFirst Bancshares, Inc. (SFBS) and Vroom, Inc. (VRM). Click either name above to swap in a different company.
Vroom, Inc. is the larger business by last-quarter revenue ($235.9M vs $159.0M, roughly 1.5× ServisFirst Bancshares, Inc.). ServisFirst Bancshares, Inc. runs the higher net margin — 52.2% vs -59.8%, a 112.0% gap on every dollar of revenue. Over the past eight quarters, ServisFirst Bancshares, Inc.'s revenue compounded faster (17.7% CAGR vs -49.5%).
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.
Vroom, Inc. is a parent company of United Auto Credit Corporation (UACC) and CarStory. Previously, Vroom was a used car retailer and e-commerce company that let consumers buy, sell, and finance cars online. Vroom ceased e-commerce automotive sales operations on January 22, 2024.
SFBS vs VRM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2023
| Metric | | |
|---|---|---|
| Revenue | $159.0M | $235.9M |
| Net Profit | $83.0M | $-141.1M |
| Gross Margin | — | 12.3% |
| Operating Margin | — | -11.5% |
| Net Margin | 52.2% | -59.8% |
| Revenue YoY | — | 12.9% |
| Net Profit YoY | 31.2% | -669.8% |
| EPS (diluted) | $1.52 | $-80.66 |
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 | $162.2M | — | ||
| Q3 25 | $136.3M | — | ||
| Q2 25 | $132.1M | — | ||
| Q1 25 | $131.8M | — | ||
| Q4 24 | $131.9M | — | ||
| Q3 24 | $123.7M | — | ||
| Q2 24 | $114.8M | — |
| Q1 26 | $83.0M | — | ||
| Q4 25 | $86.4M | — | ||
| Q3 25 | $65.6M | — | ||
| Q2 25 | $61.4M | — | ||
| Q1 25 | $63.2M | — | ||
| Q4 24 | $65.2M | — | ||
| Q3 24 | $59.9M | — | ||
| Q2 24 | $52.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | 66.3% | — | ||
| Q3 25 | 57.8% | — | ||
| Q2 25 | 58.0% | — | ||
| Q1 25 | 60.0% | — | ||
| Q4 24 | 60.2% | — | ||
| Q3 24 | 58.5% | — | ||
| Q2 24 | 58.0% | — |
| Q1 26 | 52.2% | — | ||
| Q4 25 | 59.0% | — | ||
| Q3 25 | 48.1% | — | ||
| Q2 25 | 46.5% | — | ||
| Q1 25 | 48.0% | — | ||
| Q4 24 | 52.9% | — | ||
| Q3 24 | 48.4% | — | ||
| Q2 24 | 45.4% | — |
| Q1 26 | $1.52 | — | ||
| Q4 25 | $1.58 | — | ||
| Q3 25 | $1.20 | — | ||
| Q2 25 | $1.12 | — | ||
| Q1 25 | $1.16 | — | ||
| Q4 24 | $1.19 | — | ||
| Q3 24 | $1.10 | — | ||
| Q2 24 | $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 | $1.8B | $135.6M |
| Total DebtLower is stronger | — | $454.2M |
| Stockholders' EquityBook value | $1.9B | $127.7M |
| Total Assets | $18.2B | $1.5B |
| Debt / EquityLower = less leverage | — | 3.56× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.8B | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.9B | — | ||
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.8B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.6B | — | ||
| Q3 24 | $1.6B | — | ||
| Q2 24 | $1.5B | — |
| Q1 26 | $18.2B | — | ||
| Q4 25 | $17.7B | — | ||
| Q3 25 | $17.6B | — | ||
| Q2 25 | $17.4B | — | ||
| Q1 25 | $18.6B | — | ||
| Q4 24 | $17.4B | — | ||
| Q3 24 | $16.4B | — | ||
| Q2 24 | $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 | — | $-108.1M |
| Free Cash FlowOCF − Capex | — | $-108.8M |
| FCF MarginFCF / Revenue | — | -46.1% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-536.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $355.2M | — | ||
| Q3 25 | $140.9M | — | ||
| Q2 25 | $67.6M | — | ||
| Q1 25 | $48.0M | — | ||
| Q4 24 | $252.9M | — | ||
| Q3 24 | $84.0M | — | ||
| Q2 24 | $48.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.11× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.10× | — | ||
| Q1 25 | 0.76× | — | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | 1.40× | — | ||
| Q2 24 | 0.93× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SFBS
| Net Interest Income | $148.1M | 93% |
| Noninterest Income | $10.8M | 7% |
VRM
Segment breakdown not available.
