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Friday 6 November 2026
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Southern First Bancshares, Inc.
SFST Financial Banks Regional
Southern First Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $224.6 million, up 5.28% from fiscal 2024.
- Revenue
- +8.16%
- EPS
- +20.4%
- Free cash flow
- +41.8%
- Total debt
- −4.34%
Quarter to September 2026, against a year earlier
59.50
0.30
+0.51%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.67 | 20.70 | 22.05 | 12.31 | 10.50 | 14.85 | 11.48 | 10.62 | 21.93 | 17.27 |
Piotroski F-Score |
8 | 6 | 5 | 4 | 6 | 5 | 5 | 6 | 4 | 8 |
P/S ratio |
1.86 | 1.51 | 1.58 | 2.82 | 4.45 | 2.23 | 2.97 | 2.73 | 4.07 | 3.64 |
P/FCF ratio |
13.95 | 12.95 | 18.05 | 9.84 | 9.50 | 16.80 | 32.38 | 7.96 | 24.32 | 19.37 |
P/Operating CF |
(199.83) | (177.76) | 43.19 | 26.62 | 17.34 | 11.43 | 16.48 | 32.18 | 99.39 | 34.04 |
P/B ratio |
1.13 | 0.97 | 0.95 | 1.22 | 1.76 | 1.20 | 1.55 | 1.36 | 1.92 | 2.06 |
Price to Tangible BV |
1.13 | 0.97 | 0.95 | 1.22 | 1.76 | 1.20 | 1.55 | 1.36 | 1.92 | 2.06 |
EV/Sales |
0.77 | 1.98 | 2.41 | 3.13 | 3.26 | 1.91 | 3.14 | 2.62 | 3.91 | 4.96 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
5.65 | 16.56 | 25.57 | 7.93 | 4.60 | 11.31 | 18.46 | 7.17 | 16.03 | 18.02 |
EV/FCF |
5.76 | 17.07 | 27.51 | 10.94 | 6.96 | 14.36 | 34.21 | 7.64 | 23.34 | 26.41 |
Quick Ratio |
0.07 | 0.05 | 0.05 | 0.05 | 0.07 | 0.05 | 0.07 | 0.04 | 0.07 | 0.04 |
Current Ratio |
1.10 | 1.09 | 1.10 | 1.09 | 1.03 | 1.05 | 1.11 | 1.06 | 1.07 | 1.10 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
6.02% | 6.48% | 7.68% | 5.72% | 1.23% | 2.46% | 6.43% | 3.34% | 4.96% | 9.59% |
Debt/Equity |
0.72 | 0.80 | 1.00 | 0.72 | 0.13 | 0.27 | 0.71 | 0.36 | 0.54 | 1.17 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.00 | 1.65 | 1.31 | 1.73 | 1.67 | 1.13 | 0.66 | 1.42 | 1.32 | 1.31 |
Capex/Depreciation |
(0.12) | (0.14) | (0.25) | (3.15) | (8.13) | (1.51) | (3.59) | (0.89) | (2.64) | (2.96) |
| 8.69% | 4.83% | 4.42% | 10.17% | 18.46% | 8.44% | 14.67% | 13.78% | 10.05% | 12.77% | |
| 0.72% | 0.38% | 0.35% | 0.88% | 1.73% | 0.77% | 1.34% | 1.26% | 0.88% | 1.02% | |
ROIC |
6.80% | 2.88% | 2.33% | 7.11% | 25.89% | 7.89% | 9.90% | 10.90% | 10.71% | 6.63% |
Return on Tangible Assets |
6.74% | 3.77% | 3.05% | 7.77% | 27.68% | 10.35% | 10.55% | 17.42% | 10.30% | 9.29% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
34.94% | 34.43% | 37.39% | 54.30% | 39.93% | 68.22% | 43.46% | 47.97% | 51.81% | 53.96% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
0.12 | 0.01 | (0.06) | 0.03 | (0.02) | 0.02 | 0.06 | 0.07 | 0.00 | (0.12) |
Graham Number |
62.17 | 42.03 | 38.20 | 55.21 | 68.87 | 39.80 | 47.71 | 40.01 | 29.98 | 28.46 |
Earnings Yield |
7.32% | 4.83% | 4.54% | 8.12% | 9.52% | 6.73% | 8.71% | 9.42% | 4.56% | 5.79% |
Free Cash Flow Yield |
7.17% | 7.72% | 5.54% | 10.17% | 10.53% | 5.95% | 3.09% | 12.57% | 4.11% | 5.16% |
Revenue per Share |
27.76 | 26.40 | 23.30 | 15.99 | 14.06 | 15.83 | 14.30 | 11.76 | 10.07 | 9.82 |
Operating CF per Share |
3.76 | 3.16 | 2.19 | 6.32 | 9.95 | 2.67 | 2.43 | 4.29 | 2.45 | 2.70 |
Capex per Share |
(0.07) | (0.09) | (0.15) | (1.74) | (3.37) | (0.57) | (1.12) | (0.26) | (0.77) | (0.86) |
Free Cash Flow per Share |
3.69 | 3.07 | 2.04 | 4.58 | 6.58 | 2.10 | 1.31 | 4.03 | 1.69 | 1.85 |
Cash per Share |
33.32 | 20.15 | 19.41 | 21.47 | 21.32 | 13.04 | 16.98 | 9.87 | 13.16 | 7.37 |
Shareholders Equity per Share |
45.56 | 40.89 | 38.83 | 37.01 | 35.43 | 29.58 | 27.35 | 23.55 | 21.37 | 17.39 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
45.56 | 40.89 | 38.83 | 37.01 | 35.43 | 29.58 | 27.35 | 23.55 | 21.37 | 17.39 |
Free Cash Flow |
29.88 | 24.80 | 16.41 | 36.45 | 51.61 | 16.24 | 9.88 | 29.76 | 11.81 | 11.66 |
Working Capital |
367.19 | 323.52 | 345.75 | 275.65 | 76.41 | 116.90 | 205.62 | 95.55 | 94.38 | 111.99 |
Capital Expenditures |
(0.58) | (0.76) | (1.24) | (13.85) | (26.46) | (4.38) | (8.43) | (1.94) | (5.38) | (5.43) |
Net Current Asset Value |
49.16 | 2.13 | (18.01) | 12.05 | (7.41) | 5.37 | 20.41 | 16.99 | 0.56 | (27.89) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.01 | 0.11 | 0.24 | 0.04 | 0.08 | 0.02 | 0.08 | 0.09 |
Price to Operating Income |
10.53 | 16.13 | 17.00 | 9.41 | 8.06 | 11.46 | 9.02 | 8.22 | 12.14 | 11.50 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.07 | 0.06 | 0.06 |
Cash ROIC |
3.31% | 3.27% | 2.10% | 5.39% | 10.72% | 4.16% | 2.06% | 9.59% | 3.66% | 4.09% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.04 | 0.03 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
12,734.75 | 10,451.32 | 12,342.32 | 57,076.01 | 172,179.67 | 52,112.65 | 26,978.11 | 36,447.72 | 48,786.40 | 48,616.96 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
3,576.28 | 3,407.66 | 3,256.71 | 2,848.85 | 2,353.29 | 2,009.44 | 1,762.13 | 1,514.63 | 1,236.14 | 1,038.44 |
Average Assets |
4,245.54 | 4,071.69 | 3,873.89 | 3,308.76 | 2,704.07 | 2,374.89 | 2,083.90 | 1,762.62 | 1,482.77 | 1,279.10 |
Average Common Equity |
349.55 | 321.46 | 303.49 | 286.21 | 253.10 | 217.08 | 189.89 | 161.80 | 129.78 | 102.06 |
Columns are period end dates · fundamentals updated 5 Nov 2026