Southern First Bancshares, Inc.

Southern First Bancshares, Inc.

SFST
Southern First Bancshares, Inc.US flagNASDAQ Global Market
60.51
USD
-1.21
- -
572.14MMarket Cap
Southern First Bancshares, Inc.
SFST
(NASDAQ Global Market)

Recent

price

60.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.57
6.2
7.04
7.67
7.79
7.57
8.52
8.59
8.97
10.27
13.88
13.36
13.52
10.88
11.55
14.67
15.5
Revenue per Share
0.01
0.29
0.71
1.02
1.15
1.64
2.06
1.86
3.02
3.7
2.37
5.95
3.66
1.67
1.92
3.77
4.32
Basic EPS, GAAP
2.5
2.1
2.25
1.47
0.5
2.49
1.85
1.69
4.03
1.31
1.73
6.57
4.57
2.04
3.07
3.71
4.07
Free Cash Flow per Basic Share
0.21
0.21
0.2
0.18
0.2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.76
1.28
1.04
2.05
2.89
3.96
5.95
7.23
9.88
13.39
15.43
21.14
24.15
25.55
27.37
31.25
32.31
Book Value per Share
10.59
10.94
11.31
11.77
16.66
15.19
17.39
21.37
23.55
27.35
29.58
35.43
37.01
38.83
40.89
45.81
46.9
Tangible Book Value per Share
4
4
4
4
5
6
6
7
7
8
8
8
8
8
8
8
8
Basic Weighted Avg Shares
23
26
30
33
39
47
54
60
66
77
107
105
108
88
93
118
125
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
2
2
2
2
4
5
5
4
4
Depreciation Expense
1
2
4
5
7
10
13
13
22
28
18
47
29
13
16
30
35
Net Income, GAAP
17.82
28.52
32.19
32.06
31.97
34.56
36
44.87
22.31
21.48
23.05
23.18
23.61
22.96
22.01
23.33
22.56
Effective Tax Rate (%)
3.83
8.01
12.98
15.6
17.07
21.66
24.21
21.66
33.67
36.03
17.1
44.56
27.06
15.34
16.63
25.71
27.9
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
13
136
138
138
149
129
129
81
63
146
61
36
211
311
265
265
265
LT Debt
59
63
64
66
83
94
110
150
174
206
228
278
295
312
330
369
379
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.29
19.25
61.77
66.01
49.3
52.18
41.94
29.56
36.06
32.07
16.67
32.78
16.26
6.75
7.28
12.85
14.34
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
265
265
265
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
356
416
441

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
105
86
115
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
14.94%
10.22%
11.56%
Free Cash Flow
37.06%
54.72%
20.6%
Net Income, GAAP
26.44%
34.9%
95.53%
Sales/Revenue/Turnover
10.68%
2.99%
26.48%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21
23
24
25
93
2025
26
29
31
32
118
2026
34
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.31
0.37
0.54
0.7
1.92
2025
0.65
0.81
1.08
1.23
3.77
2026
1.21
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Southern First Bancshares, Inc. (NASDAQ: SFST) serves as the bank holding company for Southern First Bank, which provides commercial, consumer, and mortgage banking products and services to individuals, businesses, and the general public primarily in South Carolina, North Carolina, and Georgia. Southern First Bank offers deposit products including checking accounts, commercial checking accounts, savings accounts, money market accounts, and certificates of deposit; its lending portfolio encompasses commercial real estate loans, construction real estate loans, commercial business loans to manufacturing, service, and professional sectors, consumer real estate and home equity loans, and other consumer loans such as secured and unsecured installment loans and revolving lines of credit; the bank also delivers ancillary services comprising internet banking, mobile banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, automated teller machine processing, and mortgage banking. Headquartered in Greenville, South Carolina, with approximately eight retail offices across its markets, the company maintains a relationship-focused model through dedicated client teams featuring senior and client officers supported by consistent staff. Southern First Bancshares was incorporated in 1999. The bank continues organic growth with recent quarterly earnings releases highlighting third quarter 2025 results in October and second quarter in July, alongside sustained revenue expansion to roughly $109 million on a trailing twelve-month basis; its new headquarters at 6 Verdae Boulevard in Greenville opened in 2022 as a flagship facility emphasizing collaboration and client experience.

Company News

APIChatGPT
  • Compared to Estimates, Southern First (SFST) Q2 Earnings: A Look at Key Metrics

  • Southern First (SFST) Q2 Earnings Surpass Estimates

  • Southern First Reports Second Quarter 2026 Results

  • Southern First Appoints Bryan Kennedy to Board of Directors

  • Southern First Appoints Bryan Kennedy to Board of Directors

  • Southern First (SFST) Reports Q1 Earnings: What Key Metrics Have to Say

  • Southern First (SFST) Lags Q1 Earnings Estimates

  • Southern First Reports First Quarter 2026 Results

  • Southern First Bancshares, Inc. Announces Closing of Public Offering of Common Stock

  • Southern First Bancshares, Inc. Announces Pricing of Public Offering of Common Stock

  • Southern First Bancshares, Inc. Announces Public Offering of Common Stock

  • Critical Review: Southern First Bancshares (NASDAQ:SFST) vs. Madison County Financial (OTCMKTS:MCBK)

  • Southern First Bancshares (NASDAQ:SFST) Shares Pass Above Fifty Day Moving Average – What’s Next?

  • Southern First Bancshares (NASDAQ:SFST) & Bank7 (NASDAQ:BSVN) Head to Head Contrast

  • Southern First Bancshares Posts Strong Results In An Attractive Market

  • Southern First (SFST) Tops Q4 Earnings Estimates

  • Southern First Reports Fourth Quarter 2025 Results

  • Southern First Bancshares (NASDAQ:SFST) & First National (NASDAQ:FXNC) Financial Contrast

  • Southern First Bancshares (NASDAQ:SFST) Share Price Passes Above Fifty Day Moving Average – Time to Sell?

  • Contrasting Southern First Bancshares (NASDAQ:SFST) and Towne Bank (NASDAQ:TOWN)