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Southern First Bancshares, Inc. SFST R2K

Financial Services · Banks - Regional · United States
https://www.southernfirst.com
Company Profile ↓
$61.41
+54.96% 1Y
Mkt Cap$580.64M
P/E14.42
P/B1.32
52W High$62.49
52W Low$38.74
Book Value$46.00
EPS (TTM)$4.26

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 21.1% per year over the last five years.

Reasonable Valuation

Trades at an undemanding P/E of 14.4.

Healthy Margins

Maintains a net profit margin of 28.7%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $6.28M (+13.0% YoY); net profit $30.37M.
  • Trailing 12 Months Year-on-year growth — revenue +26.2%, earnings +83.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR -0.9%, profit CAGR 21.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-0.94%
1 Year:26.20%

Compounded Profit Growth

5 Years:21.10%
1 Year:83.10%

Stock Price Performance

1 Year:+54.96%
6 Months:+16.33%
3 Months:+4.92%
1 Month:-0.16%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 95% of range
$38.74 $62.49
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.14 · Neutral
Price Performance
1M-0.16%
3M+4.92%
6M+16.33%
1Y+54.96%
Valuation vs Sector

P/E of 14.42 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.7%.
  • Profit CAGR of 21.1% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -0.9% CAGR over 5 years.

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

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Valuation

Stock P/E
14.42
Industry PE
13.30
Forward P/E
9.96
PEG Ratio
-
Book Value
$46.00
Price to Book
1.32
P/S
4.71
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-0.94%
Profit 5Y
21.10%
Revenue (YoY)
26.20%
Earnings (YoY)
83.10%

Profitability & Returns

ROCE
-
ROE
9.76%
ROA
0.79%
Profit Margin
28.70%
Op Margin
41.16%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.19
EPS (TTM)
$4.26

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$292.58M
Total Assets
$4.58B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
5.39%
Chg in Prom Hold
-0.01%
FII / Inst Holding
74.36%
Chg in FII Hold
-0.90%

Financial Snapshot

Enterprise Value
$580.64M
Total Revenue (TTM)
$121.89M
EBITDA
-
Free Cash Flow
$29.88M
Operating Cash Flow
$33.65M
Shares Outstanding
9.46M
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SFST Southern First Bancshares, Inc. R2K 61.41 14.42 $580.64M 0.00% - 9.76% -0.94% 21.10%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2014Jun 2014Sep 2014Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue -------------1.60M1.40M1.33M1.63M1.35M1.86M2.83M3.06M2.67M5.78M6.28M4.63M1.98M2.83M1.49M1.18M1.23M622.00K1.34M1.21M1.16M1.92M1.45M1.42M1.57M1.60M1.49M
Net Income 1.25M1.57M1.83M1.98M2.03M2.56M2.73M-3.01M3.31M3.43M-3.11M3.60M4.25M5.21M5.51M5.78M6.01M7.24M7.41M2.83M4.68M2.22M10.37M10.32M14.02M7.97M7.24M8.41M2.70M2.46M4.10M2.52M3.00M4.38M5.27M6.58M8.66M9.89M
Diluted EPS 0.220.260.310.300.310.390.410.430.450.490.510.490.460.490.550.670.710.750.780.930.950.360.600.281.311.291.750.980.901.040.330.310.510.310.370.540.650.811.071.19

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------6.84M5.15M5.54M9.92M19.79M11.38M4.20M4.04M5.56M6.28M
Net Income 1.42M890.00K2.09M3.86M5.12M6.62M10.17M13.04M13.04M22.29M27.86M18.33M46.71M29.11M13.43M15.53M30.37M
Diluted EPS 0.07-0.060.220.640.981.101.551.941.762.883.582.345.853.611.661.913.72

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --736.49M767.75M798.00M890.83M1.03B1.22B1.34B1.62B1.90B2.27B2.48B2.93B3.69B4.06B4.09B4.40B
Total Equity 39.79M59.84M59.22M62.54M64.12M65.67M82.99M94.24M109.87M149.69M173.92M205.86M228.29M277.90M294.51M312.47M330.44M368.66M
Cash & Equivalents 13.16M12.08M53.85M23.00M29.41M39.20M41.26M62.87M46.55M92.17M72.87M127.82M100.69M5.20M5.80M---
Total Liabilities --677.27M705.21M733.87M825.17M946.87M1.12B1.23B1.47B1.73B2.06B2.25B2.65B3.40B3.74B3.76B4.03B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ------20.11M17.09M17.19M31.70M18.31M20.62M78.07M50.30M17.65M25.56M30.46M
Investing Cash Flow -------175.96M-139.92M-239.01M-301.71M-275.58M-230.77M-410.63M-792.58M-378.57M-28.86M-206.33M
Financing Cash Flow ------177.45M106.52M267.44M250.71M312.22M183.02M399.08M745.94M346.22M9.99M282.60M
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-26.51M-13.95M-1.24M-785.00K-581.00K
Free Cash Flow ------15.46M11.66M11.81M29.76M9.88M13.34M51.56M36.35M16.41M24.77M29.88M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------190.7%253.2%402.0%280.7%92.6%410.6%693.5%332.7%279.3%483.4%
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%16.8%9.9%4.3%4.7%8.2%
ROCE % -----------------

Shareholding Pattern

Insiders
5.39%
Institutions
74.36%
Public Float
78.59%

Top Institutional Holders

#Holder% HeldSharesValue
1 T. Rowe Price Investment Management, Inc. 8.65% 817.84K $49.99M
2 FJ Capital Management LLC 8.54% 807.22K $49.35M
3 Blackrock Inc. 7.53% 712.41K $43.55M
4 Endeavour Capital Advisors Inc 6.42% 607.40K $37.13M
5 Dimensional Fund Advisors LP 4.02% 380.37K $23.25M
6 Vanguard Capital Management LLC 3.65% 344.88K $21.08M
7 Ameriprise Financial, Inc. 2.87% 271.24K $16.58M
8 Rhino Investment Partners, Inc. 2.22% 210.12K $12.84M
9 Geode Capital Management, LLC 1.91% 180.23K $11.02M
10 BANC FUNDS CO LLC 1.82% 171.66K $10.49M

Analyst View

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Latest News

Recent headlines for SFST

Google News ue, 14 Jul 2026

Short Interest in Southern First Bancshares, Inc. (NASDAQ:SFST) Expands By 129.0% - MarketBeat

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxQZUN4U3NMcU1oeTBVV01vc05zeXpONWhFclkyNEZldTNfcDdyRkU1TVZEVjdVS0hVb2htaEtBbGI4ZE5vQ0ZOejI5b0RCYy10SWRNcG1lVWN4aWJjbF91ZzlUMkREZEJKbmVjclF2M0ZfWkR5OUtSeUowdDM4Ny1nVUVRSUNad1NOX2oyVz…

Google News Wed, 15 Jul 2026

Certain Common Stock of Southern First Bancshares, Inc. are subject to a Lock-Up Agreement Ending on 15-JUL-2026. - marketscreener.com

<a href="https://news.google.com/rss/articles/CBMi5gFBVV95cUxQRE8tY2Y1anFLMy1HY1RFei1YNTV0NU9DVlNkeUwzUkNHZHlQQWd3N0V4Vmd6ekdYREZQTDdqajdueWp0WDBqSzAxbll3dmFwclNuRWpYQWQ1OHhEeDgwWnlrQzFaOG1ObnJMMENRRktDM0pKX0Jiai1kZkJSTnJUUjlHUVdZWDJ1VGt5U0…

Google News Wed, 15 Apr 2026

Southern First Bancshares, Inc. Announces Pricing of Public Offering of Common Stock - PR Newswire

<a href="https://news.google.com/rss/articles/CBMi1AFBVV95cUxOSlVrUk96V2ZOcVN1MkRiYXdGN2hiVWVnMkIyMHdDdGU3NzVZbFk3c1FXMzdpVHpUYlVDX21FMDFXeThmcWh3NjFwdmVaaWN2RUUzSk1tbW4yQVJKOTNfbm8tZ0dacDRsYzlIVE1XZ1lXRmFQRm9rdE1JdGhCZGpibUxqZXJLaXRKVE0yWX…

Google News Fri, 10 Jul 2026

Southern First Bancshares Is Improving, But Not Enough To Turn Bullish Over (NASDAQ:SFST) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxQM2lyb25zSjFfTElfSzN0UzZsM1F0WlE2YmQxRUgxLVdOS01YQjZwWk8weERTZE01UUUweXRtd3RZT01kUEl3cmlQX1VUbmVsVkxPUTFlRXdXeTM3bDc4WEpfTUxUTERIWDZEY0NoMGZNZXpyMU8zbm1VYU4zR1JrS0IteGJhZmhwQzhhSX…

Google News hu, 09 Jul 2026

Liquidity Mapping Around (SFST) Price Events - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxQX1FBYXdHQzA1cG1IQ3l0U0d4bWhQbWVVR0RZNHl6Z01aczE4Q21LUFR2YXpMbnowNkVQZ0k5SjhhU2Ewa0xKdGNDNWlja24wcmZNNUVuYjR6MkEzbThraVlMVm1oc3hzYnRjcVFycktOX0hWTS1RcXl5dF9KdjdkTTVQT1MwQzBGdDFCSm…

Google News Fri, 10 Jul 2026

Southern First Bancshares shows strong growth b... - Pluang

<a href="https://news.google.com/rss/articles/CBMilAFBVV95cUxPemhqS2QwNzhuZDRKajNfcE5IZ3EyUGt6Vk95YkJSNXVWbVctbGdsM0taN19YdEhDYTMwaUhJZHpueWNReElCQ2FpYjY2S00zSnVKUFI4Y3BNSHBhZkM1MHZvb2ZZdzQyQmx5QjdnMFBKZDRGOHg2MTk2UnNtUXZxbHlaUHJkUlltZWdNdm…

SFST — Frequently Asked Questions

What is the current share price of Southern First Bancshares, Inc. (SFST)?

As of 2026-07-14 21:23 PDT, Southern First Bancshares, Inc. (SFST) trades at $61.41 on NasdaqGM. Its 52-week range is $38.74 to $62.49.

What is the market capitalisation of SFST?

Southern First Bancshares, Inc. (SFST) has a market capitalisation of $580.64M on NasdaqGM.

What is the P/E ratio of SFST?

SFST trades at a trailing price-to-earnings (P/E) ratio of 14.42. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.32.

What is the return on equity (ROE) of SFST?

SFST has a return on equity (ROE) of 9.76%.

Is SFST a good stock to buy?

This page provides a data-driven analysis of Southern First Bancshares, Inc. (SFST), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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