Southern Financial Corporation
SFCO
Other OTC9.55
USD
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Southern Financial Corporation
SFCO
(Other OTC)
Recent
price
9.55
P/E
ratio
- -
div
yld
- -
ROIC.AI
Capital Structure
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in mil. unless spec.- Similar Companies
- Business
- Southern Financial Corporation operates as a bank holding company primarily engaged in community banking through its subsidiary, The Southern Bank. It offers a comprehensive range of personalized banking products and services including personal and business checking accounts; savings and money market accounts; certificates of deposit; mortgages; business lending services; and digital banking solutions. The company targets individuals, small businesses, and corporations primarily in South Carolina and Georgia. Founded in 1909 and headquartered in Spartanburg, South Carolina, Southern Financial Corporation has expanded its branch network across key locations such as Greenville, Spartanburg, and Aiken in South Carolina, as well as Gibson, Hephzibah, Sardis, and Waynesboro in Georgia. Recent strategic actions include the announced definitive agreement to sell four Georgia branches to Palmetto Citizens Federal Credit Union, affecting $83 million in deposits and $20 million in loans, enabling the company to sharpen its commercial banking focus. Additionally, the company completed a $5.1 million private placement in 2024 to support growth in its operating regions. As of 2025, Southern Financial Corporation continues to optimize its branch network to improve operational efficiency and expand its franchise throughout South Carolina, reporting steady asset and loan growth alongside modest net income improvements for the year-to-date.