Stock Evaluator: Southern First Bancshares, Inc. (SFST)

Southern First Bancshares, Inc. SFST

$62.40 1.25 2.04%
July 31, 2026 4:00:00 PM EST November 10, 2021 Volume: 103,082
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
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.

Commentary & Analysis


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:

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

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