Southern First Bancshares, Inc. SFST

60.62 0.46 0.76% as of 25 Sep
Market cap
$569.8M
P/E
12.8×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.06
Total sells 2.94
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 2 1 — — — 1 — — — — — 1
Sell — 1 2 — 1 — — — 2 — 5 1
Insider Ownership 4.08%

Capital & Financial Ratios

Market Cap 569.82
Revenue 236.00
Net Income 39.60
Free Cash Flow 39.79
Net Debt (348.23)
Current Ratio 1.04
Debt/Equity 0.03
P/E ratio 12.79
P/S ratio 2.36
P/B ratio 1.23
Past 5Y EPS Growth (11.80%)
This Y EPS Growth 33.33%
Next Y EPS Growth 23.50%
Next 5Y EPS Growth 20.74%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 156 163 270 362
Receivables — — — —
Inventory — — — —
Other — — — —
3,725 3,759 4,084 4,356
2023 2024 2025 Q'26
Payables 3,380 3,436 3,717 3,935
ST’ Debt — — — —
Other — — — —
3,380 3,436 3,717 4,175
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 15.23% 12.95% 20.86%
Cash Flow 4.24% 8.11% (15.40%)
Earnings 11.56% 10.63% 1.41%
Book Value 14.61% 10.06% 7.77%

Revenue

Mar Jun Sep Dec Year
’26 58 62 — — —
’25 53 56 59 58 225
’24 51 54 54 54 213
’23 40 45 50 51 187
’22 27 30 34 37 127
’21 29 26 28 27 110
’20 28 33 31 30 122
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 11 18 — — —
’25 8 10 14 (2) 30
’24 (3) 4 26 (2) 26
’23 1 (7) 16 7 18
’22 8 7 22 13 50
’21 11 23 16 28 78
’20 (4) 6 (5) 24 21
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 10 17 — — —
’25 7 10 14 (2) 30
’24 (3) 4 26 (2) 25
’23 1 (7) 16 7 16
’22 2 3 18 13 36
’21 8 15 10 18 52
’20 (5) 4 (6) 23 16
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.19 1.20 — — —
’25 0.65 0.81 1.07 1.21 3.75
’24 0.31 0.37 0.54 0.70 1.91
’23 0.33 0.31 0.51 0.51 1.66
’22 0.98 0.90 1.04 0.68 3.61
’21 1.31 1.29 1.75 1.49 5.85
’20 0.36 0.60 0.28 1.10 2.34
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
21.30 31.40 27.33 30.86 20.89 34.50 41.05 20.75 24.98 29.14

Analyst estimates 2026–2028

Powerpack
Low Price
36.85 43.20 48.75 44.43 43.00 65.59 65.38 45.98 45.91 56.73
High Price
179 198 229 242 254 278 293 296 297 315
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
62 71 87 108 122 110 127 187 213 225
Revenue
86.79% 85.35% 81.00% 76.42% 87.72% 95.07% 84.25% 46.68% 43.76% 52.57%
Gross Margin
20 24 29 35 24 61 38 17 20 40
EBT
32.83% 33.54% 33.03% 32.96% 19.50% 55.14% 29.95% 9.30% 9.33% 17.63%
EBT Margin
13 13 22 28 18 47 29 13 16 30
Net Income
2 2 2 2 3 3 4 5 5 5
Depreciation
9.82 10.07 11.76 14.30 15.83 14.06 15.99 23.30 26.40 27.76
Revenue/Sh
2.06 1.86 3.02 3.70 2.37 5.96 3.66 1.67 1.92 3.77
Earnings/Sh
2.70 2.45 4.29 2.43 2.67 9.95 6.32 2.19 3.16 3.76
Cash Flow/Sh
(0.86) (0.77) (0.26) (1.12) (0.57) (3.37) (1.74) (0.15) (0.09) (0.07)
Capex/Sh
1.85 1.69 4.03 1.31 2.10 6.58 4.58 2.04 3.07 3.69
Free CF/Sh
17.39 21.37 23.55 27.35 29.58 35.43 37.01 38.83 40.89 45.56
Book Value/Sh
6 7 7 8 8 8 8 8 8 8
Shares
17.27 21.93 10.62 11.48 14.85 10.50 12.31 22.05 20.70 13.67
PE Ratio
3.64 4.07 2.73 2.97 2.23 4.45 2.82 1.58 1.51 1.86
PS Ratio
2.06 1.92 1.36 1.55 1.20 1.76 1.22 0.95 0.97 1.13
PB Ratio
4.96 3.91 2.62 3.14 1.91 3.26 3.13 2.41 1.98 0.77
EV/Sales
26.41 23.34 7.64 34.21 14.36 6.96 10.94 27.51 17.07 5.76
EV/FCF
17 17 32 18 21 78 50 18 26 30
Op' Cash Flow
(5) (5) (2) (8) (4) (26) (14) (1) (1) (1)
Capex
12 12 30 10 16 52 36 16 25 30
FCF
112 94 96 206 117 76 276 346 324 367
Working Cap'
129 81 63 146 61 36 211 311 265 265
Total Debt
82 (12) (9) 18 (40) (131) 40 155 102 (5)
Net Debt
110 150 174 206 228 278 295 312 330 369
Sh' Equity
1.02% 0.88% 1.26% 1.34% 0.77% 1.73% 0.88% 0.35% 0.38% 0.72%
ROA
6.63% 10.71% 10.90% 9.90% 7.89% 25.89% 7.11% 2.33% 2.88% 6.80%
ROIC
12.77% 10.05% 13.78% 14.67% 8.44% 18.46% 10.17% 4.42% 4.83% 8.69%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Southern First Bancshares, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Southern First Bancshares, Inc. (SFST) key facts

  • Southern First Bancshares, Inc. (SFST) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Southern First Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $224.6 million, up 5.28% from fiscal 2024.
  • Net income was $30.4 million, or $3.77 per share (basic), a net margin of 13.5%.
  • As of September 25, 2026, SFST traded at $60.62, a market capitalization of $569.8 million.
  • At that price the stock trades at 12.8× trailing-twelve-month earnings and 2.4× sales.
  • Return on equity was 8.69% and debt-to-equity 0.03.

Source: company filings (standardised) and stockrow calculations.

Southern First Bancshares, Inc. (SFST) Latest News

News by impact score

Fine-tune

23 Jul

4

Southern First Bancshares (NASDAQ:SFST) reported second quarter 2025 results with revenue of US$27.9 million, a 24% increase from 2Q 2024, and net income of US$6.58 million, up 119%. The profit margin rose to 24%, driven by higher revenue, and EPS increased to US$0.81. Revenue exceeded analyst estimates by 6.8%, and EPS surpassed expectations by 25%. Future revenue is forecasted to grow 16% annually over the next two years, outpacing the 7.5% growth forecast for the US banking industry. The company's shares have risen 13% in the past week, but analysis suggests it may be overvalued. Significant revenue and earnings growth, along with positive future forecasts, indicate a major impact on the company's performance.

3

Southern First Bancshares (SFST) upgraded to Strong Buy by analysts. Analyst upgrade to Strong Buy can boost investor sentiment and short-term stock performance.

21 Jul

4

Southern First Bancshares, Inc. (SFST) reported second quarter 2026 results. Quarterly earnings directly shape near-term investor sentiment and valuation for SFST.

21 Apr

4

Southern First Bancshares, Inc. (SFST) reported Q1 earnings, analyzing key metrics for insights into financial performance. Q1 earnings reports drive significant shifts in stock price and investor perceptions of future performance.

4

Southern First Bancshares, Inc. (SFST) reported first quarter 2026 results. Quarterly earnings reports significantly influence SFST's financial performance, stock price, and investor sentiment.

3

Southern First Bancshares, Inc. (SFST) reported Q1 earnings that fell short of analyst estimates. Missing Q1 earnings estimates affects financial performance and investor sentiment moderately.

17 Apr

4

Southern First Bancshares, Inc. closed its public offering of common stock, completing the sale of shares to raise capital. Closing a public stock offering provides fresh equity capital to bolster the balance sheet and fund growth initiatives.

15 Apr

4

Southern First Bancshares, Inc. announced the pricing of its public offering of common stock, aiming to raise capital through new share issuance. Public stock offering represents a major capital raise that alters the company's financial structure and dilutes shares, significantly impacting future performance and investor sentiment.

4

Southern First Bancshares, Inc. (SFST) announced a public offering of common stock to raise capital. Public stock offering raises capital for expansion but dilutes shares, significantly impacting SFST's valuation and growth trajectory.

22 Jan

4

Southern First Bancshares, Inc. (SFST) reported fourth-quarter earnings that exceeded analysts' expectations, showcasing strong financial performance and growth. The bank's results reflect effective management strategies and a solid operational framework, contributing to positive investor sentiment and confidence in its future prospects. Earnings exceeding estimates indicate significant operational strength and potential for future growth.

4

Southern First Bancshares, Inc. (SFST) reported its Q4 earnings, showcasing a notable performance with increased revenues and net income compared to the previous quarter. The bank's strong loan growth and improved asset quality contributed to these positive results. Management expressed optimism about future growth prospects, citing strategic initiatives and market conditions that favor expansion. Overall, the earnings report reflects a solid financial position and a commitment to enhancing shareholder value. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3

Southern First Bancshares, Inc. (SFST) reported its fourth quarter 2025 financial results, highlighting key metrics such as net income, earnings per share, and loan growth. The bank experienced an increase in deposits and improved asset quality, contributing to a positive outlook for the upcoming year. Management emphasized strategic initiatives aimed at enhancing operational efficiency and expanding market presence. Overall, the results reflect a solid performance amid a competitive banking environment. The reported financial results indicate moderate growth and stability, which may influence investor sentiment and operational aspects but are not expected to drastically alter the company's trajectory.

19 Jan

4

Southern First Bancshares, Inc. (SFST) is highlighted as a promising small-cap investment opportunity in the U.S. market, showcasing its strong financial performance and growth potential. The company has demonstrated resilience and adaptability in a competitive landscape, making it an attractive option for investors seeking undervalued stocks. Analysts emphasize SFST's strategic initiatives and solid fundamentals, which position it well for future success. Significant growth potential and strategic initiatives could alter the company's trajectory and investor sentiment.

11 Dec

4

Southern First Bancshares, Inc. (SFST) is highlighted as a promising investment opportunity due to its strong market potential and strategic positioning in the financial sector. The company has demonstrated resilience and growth, making it an attractive option for investors seeking hidden gems in the U.S. market. Analysts suggest that SFST's focus on community banking and personalized service sets it apart from larger competitors, contributing to its favorable outlook. Southern First Bancshares, Inc. is positioned for significant growth due to its strategic focus and market resilience.

10 Dec

3

Southern First Bancshares, Inc. (NASDAQ:SFST) is predominantly controlled by institutional shareholders, who collectively own 63% of the company. This significant ownership stake indicates a strong influence of institutional investors on the company's strategic decisions and governance. Institutional ownership at 63% may moderately influence the company's strategic direction and market perception.

10 Nov

3

Southern First Bancshares, Inc. (SFST) has reached a 52-week high, raising questions about the sustainability of its upward momentum. Analysts are evaluating the factors contributing to this peak and whether the stock can maintain its performance in the coming months. Market sentiment appears optimistic, but potential challenges could impact future growth. The stock's recent performance indicates a moderately noticeable influence on its future trajectory, but sustainability remains uncertain.

30 Oct

4

Southern First Bancshares, Inc. (SFST) is highlighted as a potential investment opportunity in the US market, showcasing its strong financial performance and growth prospects. The article emphasizes the bank's strategic initiatives and market positioning, suggesting that it may be undervalued compared to its peers. Analysts predict that SFST could benefit from favorable economic conditions and increasing demand for banking services, making it an attractive option for investors looking for undiscovered gems in the financial sector. Significant strategic initiatives and favorable market conditions are expected to enhance SFST's growth trajectory.

29 Oct

4

Southern First Bancshares, Inc. (SFST) has reported a significant increase in its net profit margin, challenging bearish narratives surrounding the company. This surge in profitability indicates strong operational performance and may shift investor sentiment positively. Analysts are now reassessing their outlook on SFST as the financial institution demonstrates resilience in a competitive market. The notable increase in net profit margin is likely to significantly influence investor sentiment and the company's future performance.

28 Oct

4

Southern First Bancshares, Inc. (SFST) reported Q3 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance. The bank's growth in net interest income and improved asset quality contributed to the positive results. Management expressed optimism about future growth prospects, highlighting strategic initiatives aimed at enhancing operational efficiency and expanding market presence. Strong earnings performance and management's positive outlook indicate significant potential for future growth and market impact.

4

Southern First Bancshares, Inc. reported its Q3 earnings, highlighting key financial metrics and performance indicators. The bank experienced growth in net income and assets, driven by increased loan demand and effective cost management. The results reflect a positive trend in the company's operational efficiency and market positioning, suggesting a strong outlook for future performance. The reported growth in net income and assets indicates significant strategic progress and potential for future performance enhancement.

4

Southern First Bancshares, Inc. (SFST) reported its financial results for the third quarter of 2025, highlighting a significant increase in net income and improved asset quality. The bank's total assets grew, driven by strong loan demand and effective cost management. Additionally, the company announced a dividend increase, reflecting its commitment to returning value to shareholders. Overall, the results indicate a positive trajectory for the bank amidst a competitive banking environment. The significant increase in net income and asset growth, along with a dividend increase, suggests a strong performance that could positively influence investor sentiment and future operations.

3

Southern First Bancshares, Inc. (SFST) reported its Q3 earnings, which showed performance metrics that were compared against analysts' estimates. Key financial indicators highlighted the company's operational efficiency and profitability during the quarter, reflecting its strategic initiatives and market positioning. The earnings report indicates moderate financial performance that may influence investor sentiment and operational aspects.

24 Sep

3

Southern First Bancshares, Inc. (SFST) is highlighted as one of three undiscovered investment opportunities in the U.S. market. The article emphasizes the company's strong financial performance, growth potential, and strategic positioning within the banking sector. It suggests that SFST's focus on community banking and personalized service sets it apart from larger competitors, making it an attractive option for investors seeking value in lesser-known stocks. Overall, the piece advocates for a closer look at SFST as a promising investment opportunity. Southern First Bancshares, Inc. shows moderate growth potential and strategic advantages that could influence its market performance.

26 Aug

4

Southern First Bancshares, Inc. (SFST) is highlighted as a potential investment opportunity in August 2025, with analysts noting its strong financial performance and growth prospects. The company has shown resilience in a competitive banking landscape, making it an attractive option for investors seeking undervalued stocks. Key indicators suggest that SFST may outperform its peers, driven by strategic initiatives and a solid market position. Strong financial performance and growth prospects indicate significant potential impact on future market performance.

24 Jul

4

Southern First Bancshares, Inc. (SFST) has received a rating upgrade to 'Strong Buy' from analysts, reflecting positive sentiment regarding the company's financial health and growth prospects. This upgrade is expected to enhance investor confidence and may lead to increased stock performance in the near future. Analysts cite strong fundamentals and a favorable market position as key reasons for the upgrade. The rating upgrade indicates significant positive sentiment that could influence investor behavior and stock performance.

22 Jul

4

Southern First Bancshares, Inc. reported its Q2 earnings, showcasing a notable increase in net income compared to the previous year. The bank's performance was driven by growth in loans and deposits, alongside improved net interest margins. Management highlighted strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the results reflect a positive trajectory for the company amidst a competitive banking landscape. The significant increase in net income and strategic initiatives indicate a strong potential for future growth and improved market positioning.

4

Southern First Bancshares, Inc. reported strong financial results for Q2 2025, with net income of $6.6 million, or $0.81 per diluted share, reflecting a 25% increase from Q1 2025 and a 119% increase from Q2 2024. Total revenue grew 24% year-over-year, driven by solid margin expansion and a strong loan portfolio of $3.7 billion. The net interest margin improved to 2.50%, and asset quality remains high with nonperforming assets at 0.27% of total assets. The company also announced the addition of three new Board members and expressed optimism for future growth supported by a solid balance sheet. Significant revenue growth and strategic board additions indicate a strong trajectory for future performance.

16 Jul

3

Southern First Bancshares, Inc. (SFST) is highlighted as a potential investment opportunity in July 2025, with analysts suggesting it may be undervalued compared to its peers. The article emphasizes the company's strong fundamentals, growth potential, and favorable market conditions that could enhance its performance. Investors are encouraged to consider SFST as part of a diversified portfolio, particularly in light of its recent financial results and strategic initiatives aimed at expanding its market presence. The company's strong fundamentals and growth potential may moderately influence its financial performance and market positioning.

17 Jun

4

Southern First Bancshares, Inc. (SFST) is highlighted as one of three undervalued companies in the U.S. market with significant growth potential. The article emphasizes SFST's strong financial performance, strategic positioning, and opportunities for expansion in the banking sector. Analysts suggest that the company's focus on community banking and personalized service could lead to increased market share and profitability. Overall, SFST is presented as a promising investment opportunity for those seeking to capitalize on emerging market trends. Southern First Bancshares, Inc. is positioned for significant growth due to its strategic focus and market opportunities.

16 Jun

3

Southern First Bancshares, Inc. (NASDAQ:SFST) has delivered a solid return of 35% to its investors over the past year, reflecting positive market performance and investor sentiment towards the company. This growth indicates a favorable trajectory for the bank amid current economic conditions. The decent returns suggest a moderately noticeable influence on investor sentiment and financial performance.

stockrow.com/SFST · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com