COMPANY SUMMARY
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.
Financial Summary
| Share Statistics |
SFST |
Industry Median |
Percentile (All Stocks) |
| Market Cap (Mil) |
$590.8 |
$716.9 |
39% |
|
| Shares Out (Mil) |
8.3 |
15.7 |
18% |
|
| Institutional Ownership |
91.8% |
83.0% |
60% |
|
| Float (Mil) |
7.6 |
21.2 |
16% |
|
| Beta |
0.68 |
0.48 |
39% |
|
| Avg Daily Volume (000s) |
123 |
53 |
38% |
|
Price Change (52-week) |
47.6% |
96.7% |
79% |
|
| Growth |
SFST |
Industry Median |
Percentile (All Stocks) |
| Sales (5yr) |
8.2% |
7.6% |
51% |
|
| Net Income (5yr) |
10.7% |
11.1% |
56% |
|
| EPS (5yr) |
9.7% |
10.1% |
46 |
|
| Dividends (5yr) |
0.0% |
3.6% |
0% |
|
| Cash Flow (5yr) |
41.9% |
(17.0%) |
91% |
|
| Estimates |
Qtrly |
Current Fiscal Year |
Next Fiscal Year |
| # of Estimates |
2 |
2 |
2 |
| Current EPS |
$1.255 |
$5.000 |
$6.175 |
| Month Ago EPS |
$1.280 |
$5.045 |
$6.165 |
| # Rev Up |
2 |
1 |
1 |
| # Rev Down |
0 |
0 |
0 |
| Three Months Ago EPS |
$1.310 |
$5.140 |
$6.580 |
| Year/Year Chg |
5.5% |
34.4% |
77.4% |
| Financials |
SFST |
Industry Median |
Percentile (All Stocks) |
| Sales (TTM) (Mil) |
$122 |
$190 |
28% |
|
| Net Income (TTM) (Mil) |
$35 |
$51 |
53% |
|
| EPS (TTM) |
$4.313 |
$2.500 |
85% |
|
| Operating Cash Flow (TTM) (Mil) |
$34 |
$34 |
44% |
|
| Net Cash Flow (TTM) (Mil) |
$38 |
$1 |
68% |
|
| Long-Term Debt (Q1) (Mil) |
$291 |
$100 |
53% |
|
| Enterprise Value (Q1) (Mil) |
na |
$0 |
na |
|
| Valuation |
SFST |
Industry Median |
Percentile (All Stocks) |
| P/B |
1.36 |
1.27 |
35% |
|
| P/E |
14.7 |
12.9 |
35% |
|
| Dividend Yield |
0.0% |
2.2% |
0% |
|
| PEG (5yr hist) |
1.5 |
1.1 |
59% |
|
| Ratios |
SFST |
Industry Median |
Percentile (All Stocks) |
| Gross Margin |
na |
68.8% |
na |
|
| Net Margin |
30.7% |
28.9% |
89% |
|
| ROA |
0.8% |
1.0% |
44% |
|
| ROE |
9.8% |
11.1% |
57% |
|
| Liabilities to Assets |
91.7% |
89.8% |
89% |
|
| F-Score |
4 |
4 |
34% |
|
Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
SFST meetings the criteria of 1 screen:
Stock Screen
GURU STRATEGY
Stock Market Winners Screen
Factors: Value, Momentum, Growth
A screen that tries to interpret and apply successful trading rules in the real market environment.