CNO Financial Group vs ServisFirst Bancshares
This page compares business models, financial performance, and market context for CNO Financial Group and ServisFirst Bancshares Inc. It presents neutral, accessible insights to help readers understand how each organisation operates, performs, and positions within the industry. Educational content, not financial advice.
This page compares business models, financial performance, and market context for CNO Financial Group and ServisFirst Bancshares Inc. It presents neutral, accessible insights to help readers understan...
Which Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketWhich Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketInvestment Analysis
Pros
- CNO Financial has reported strong growth in new annualized premiums, with total life and health premiums up 32% and 20% respectively in the latest quarter.
- The company is executing strategic reinsurance transactions and streamlining operations, which are expected to accelerate return on equity improvement through 2027.
- CNO Financial maintains a diversified product portfolio and has delivered solid financial results, including a 6% increase in book value per share excluding accumulated other comprehensive loss.
Considerations
- CNO Financial's forward P/E ratio is higher than the industry average, which may limit upside potential relative to peers.
- The company has exited the fee services side of its Worksite Division, which could reduce revenue diversification in the near term.
- CNO's earnings growth is sensitive to insurance market conditions and interest rate fluctuations, which could impact future profitability.
Pros
- ServisFirst Bancshares has demonstrated strong asset growth and maintains a robust balance sheet with a price-to-book ratio of 2.23, reflecting solid capitalisation.
- The bank offers a diversified suite of commercial and consumer lending products, supported by modern electronic banking services and strong deposit growth.
- ServisFirst Bancshares has delivered consistent earnings, with a trailing EPS of $4.57 and a price-to-earnings ratio below the broader banking sector average.
Considerations
- The company's dividend yield is relatively modest at around 1.7%, which may be less attractive to income-focused investors compared to some peers.
- ServisFirst Bancshares operates primarily in select regional markets, making it more exposed to local economic conditions and credit risks.
- The bank's valuation metrics, including price-to-sales and price-to-earnings, are above the industry median, suggesting limited margin for multiple expansion.
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