Southern First Bancshares, Inc. SFST R2K

Financial Services · Banks - Regional · United States

https://www.southernfirst.com

Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company offers other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.

Market & Price

Market Cap

$546.22M

Current Price

$57.77

High / Low (52W)

$61.08 / $34.75

Beta

0.68

Valuation

Stock P/E

13.56

Industry PE

12.01

Forward P/E

8.78

PEG Ratio

Book Value

$46.00

Price to Book

1.26

P/S

4.48

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

9.76%

ROA

0.79%

Profit Margin

28.70%

Op Margin

41.16%

EPS (Latest Qtr)

$1.19

EPS (TTM)

$4.26

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$292.58M

Total Assets

$4.40B

Current Assets

Working Capital

Ownership

Promoter Holding

5.38%

Chg in Prom Hold

FII / Inst Holding

74.31%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$495.60M

Total Revenue (TTM)

$121.89M

EBITDA

Free Cash Flow

Operating Cash Flow

$33.65M

Shares Outstanding

9.46M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

3.15%

Profit 5Y

1.41%

Revenue (YoY)

26.20%

Earnings (YoY)

83.10%

PROS

Excellent profit margin of 28.7%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SFST Southern First Bancshares, Inc. R2K	57.77	13.56	$546.22M	-	-	9.76%	3.15%	1.41%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2014	Sep 2014	Dec 2014	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	1.60M	1.40M	1.33M	1.63M	1.35M	1.86M	2.83M	3.06M	2.67M	5.78M	6.28M	4.63M	1.98M	2.83M	1.49M	1.18M	1.23M	622.00K	1.34M	1.21M	1.16M	1.92M	1.45M	26.50M	28.63M	31.13M	31.84M	33.80M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.26M	27.02M	27.46M	25.79M	24.35M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.91M	8.59M	11.33M	12.77M	12.48M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.65M	2.01M	2.67M	2.91M	2.60M
Net Income	1.57M	1.83M	1.98M	2.03M	2.56M	2.73M	-	3.01M	3.31M	3.43M	-	3.11M	3.60M	4.25M	5.21M	5.51M	5.78M	6.01M	7.24M	7.41M	2.83M	4.68M	2.22M	10.37M	10.32M	14.02M	7.97M	7.24M	8.41M	2.70M	2.46M	4.10M	2.52M	3.00M	4.38M	5.27M	6.58M	8.66M	9.86M	9.89M
Diluted EPS	0.26	0.31	0.30	0.31	0.39	0.41	0.43	0.45	0.49	0.51	0.49	0.46	0.49	0.55	0.67	0.71	0.75	0.78	0.93	0.95	0.36	0.60	0.28	1.31	1.29	1.75	0.98	0.90	1.04	0.33	0.31	0.51	0.31	0.37	0.54	0.65	0.81	1.07	1.21	1.19

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	6.84M	5.15M	5.54M	9.92M	19.79M	-	107.59M	87.51M	93.36M	118.09M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	20.04M	99.94M	119.99M	106.53M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	38.11M	17.43M	19.91M	39.60M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	9.00M	4.00M	4.38M	9.24M
Net Income	1.42M	890.00K	2.09M	3.86M	5.12M	6.62M	10.17M	13.04M	13.04M	22.29M	27.86M	18.33M	-	29.11M	13.43M	15.53M	30.37M
Diluted EPS	0.07	-0.06	0.22	0.64	0.98	1.10	1.55	1.94	1.76	2.88	3.58	2.34	-	3.61	1.66	1.91	3.75

Compounded Sales Growth

5 Years:	3.15%
1 Year:	26.20%

Compounded Profit Growth

5 Years:	1.41%
1 Year:	83.10%

Stock Price Performance

1 Year:	+60.16%
6 Months:	+13.05%
3 Months:	+3.46%
1 Month:	+3.44%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	736.49M	767.75M	798.00M	890.83M	1.03B	1.22B	1.34B	1.62B	1.90B	2.27B	2.48B	2.93B	3.69B	4.06B	4.09B	4.40B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	13.16M	12.08M	53.85M	23.00M	29.41M	39.20M	41.26M	62.87M	46.55M	92.17M	72.87M	127.82M	100.69M	5.20M	69.60M	36.82M	34.41M	86.11M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	677.27M	705.21M	733.87M	825.17M	946.87M	1.12B	1.23B	1.47B	1.73B	2.06B	2.25B	2.65B	3.40B	3.74B	3.76B	4.03B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	211.21M	311.32M	264.90M	264.90M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	211.21M	311.32M	264.90M	264.90M
Total Equity	39.79M	59.84M	59.22M	62.54M	64.12M	65.67M	82.99M	94.24M	109.87M	149.69M	173.92M	205.86M	228.29M	277.90M	294.51M	312.47M	330.44M	368.66M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.01M	8.09M	8.16M	8.21M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	20.11M	17.09M	17.19M	31.70M	18.31M	20.62M	-	50.30M	17.65M	25.56M	30.46M
Investing Cash Flow	-	-	-	-	-	-	-175.96M	-139.92M	-239.01M	-301.71M	-275.58M	-230.77M	-	-792.58M	-378.57M	-28.86M	-206.33M
Financing Cash Flow	-	-	-	-	-	-	177.45M	106.52M	267.44M	250.71M	312.22M	183.02M	-	745.94M	346.22M	9.99M	282.60M
Capital Expenditure	-5.43M	-326.00K	-2.37M	-2.37M	-2.30M	-2.23M	-4.65M	-5.43M	-5.38M	-1.94M	-8.43M	-7.28M	-	-13.95M	-1.24M	-785.00K	-581.00K
Free Cash Flow	-	-	-	-	-	-	15.46M	11.66M	11.81M	29.76M	9.88M	13.34M	-	36.35M	16.41M	24.77M	29.88M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	3.67M	-14.70M	6.69M	106.72M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	190.7%	253.2%	402.0%	280.7%	92.6%	-	27.1%	15.3%	16.6%	25.7%
ROE %	2.4%	1.5%	3.3%	6.0%	7.8%	8.0%	10.8%	11.9%	8.7%	12.8%	13.5%	8.0%	-	9.9%	4.3%	4.7%	8.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

5.38%

Institutions

74.31%

Public Float

78.54%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	T. Rowe Price Investment Management, Inc.	8.65%	817.84K	$47.25M
2	FJ Capital Management LLC	8.54%	807.22K	$46.63M
3	Blackrock Inc.	7.53%	712.41K	$41.16M
4	Endeavour Capital Advisors Inc	6.42%	607.40K	$35.09M
5	Dimensional Fund Advisors LP	4.02%	380.37K	$21.97M
6	Vanguard Capital Management LLC	3.65%	344.88K	$19.92M
7	Ameriprise Financial, Inc.	2.87%	271.24K	$15.67M
8	Rhino Investment Partners, Inc.	2.22%	210.12K	$12.14M
9	Geode Capital Management, LLC	1.91%	180.23K	$10.41M
10	BANC FUNDS CO LLC	1.82%	171.66K	$9.92M

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SFST · Financial Services