SFST
Southern First Bancshares, Inc.
Price Chart
Latest Quote
$58.03
+0.08 (+0.14%)
Current Price
| Previous Close | $57.95 |
| Open | $58.88 |
| Day High | $59.30 |
| Day Low | $57.39 |
| Volume | 365,630 |
Stock Information
| Shares Outstanding | 9.46M |
| Total Debt | $292.58M |
| Cash Equivalents | $343.21M |
| Revenue | $121.89M |
| Net Income | $34.99M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $548.68M |
| P/E Ratio | 13.62 |
| EPS (TTM) | $4.26 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $498.05M |
| Sales | $121.89M |
| Income | $34.99M |
| Book/sh | $46.00 |
| Cash/sh | $36.30 |
| Employees | 315 |
Financial Ratios
| EPS Growth TTM | 87.80% |
Returns & Margins
| ROA | 0.79% |
| ROE | 9.76% |
| Operating Margin | 41.16% |
| Profit Margin | 28.70% |
Ownership
| Insider Ownership | 5.39% |
| Institutional Ownership | 74.84% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.41 |
| P/S | 4.50 |
| P/B | 1.26 |
Analyst Data
| Recommendation | buy |
| Target Price | $66.50 |
Technical Indicators
| SMA20 | $58.52 |
| SMA50 | $57.44 |
| SMA200 | $52.44 |
| RSI | 51.03 |
| ATR | 1.9743 |
| Shares Float | 7.53M |
| Short Float | 1.47% |
| Short Ratio | 1.11 |
| Volatility | 0.69 |
| Rel Volume | 3.08 |
Performance History
| Week | -5.66% |
| Month | +4.11% |
| Quarter | +12.01% |
| 6 Months | +5.01% |
| YTD | +12.24% |
| Year | +65.47% |
| 3 Years | +113.74% |
| 5 Years | +9.00% |
| 10 Years | +144.34% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $58.03 | 460,900 |
| 2026-06-17 | $57.95 | 157,500 |
| 2026-06-16 | $58.84 | 133,800 |
| 2026-06-15 | $58.78 | 163,000 |
| 2026-06-12 | $60.68 | 196,400 |
| 2026-06-11 | $61.51 | 128,800 |
| 2026-06-10 | $60.52 | 131,000 |
| 2026-06-09 | $60.01 | 145,600 |
| 2026-06-08 | $59.71 | 97,900 |
| 2026-06-05 | $58.97 | 114,400 |
| 2026-06-04 | $58.45 | 86,500 |
| 2026-06-03 | $56.19 | 80,700 |
| 2026-06-02 | $58.22 | 121,100 |
| 2026-06-01 | $57.26 | 104,000 |
| 2026-05-29 | $57.77 | 156,500 |
| 2026-05-28 | $57.81 | 98,900 |
| 2026-05-27 | $57.50 | 131,800 |
| 2026-05-26 | $57.76 | 93,700 |
| 2026-05-22 | $57.32 | 134,700 |
| 2026-05-21 | $57.07 | 252,700 |
| 2026-05-20 | $56.39 | 204,700 |
| 2026-05-19 | $55.74 | 79,700 |
About Southern First Bancshares, Inc.
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.
đ° Latest News
Endeavour Capital Adds to QCR Holdings Stake, According to Recent SEC Filing
Motley Fool âĸ 2026-05-15T21:07:31Z
Endeavour Capital Boosts Its Stake in National Bank Holdings
Motley Fool âĸ 2026-05-13T03:47:15Z
Undiscovered Gems in the US Market April 2026
Simply Wall St. âĸ 2026-04-22T11:32:55Z
Southern First (SFST) Reports Q1 Earnings: What Key Metrics Have to Say
Zacks âĸ 2026-04-21T14:00:01Z
Southern First (SFST) Lags Q1 Earnings Estimates
Zacks âĸ 2026-04-21T13:40:03Z
Undiscovered Gems in the US Market Featuring 3 Promising Stocks
Simply Wall St. âĸ 2026-02-19T17:33:20Z
ServisFirst Bancshares Stock Scores RS Rating Upgrade
Investor's Business Daily âĸ 2026-02-18T17:42:09Z
Southern First (SFST) Tops Q4 Earnings Estimates
Zacks âĸ 2026-01-22T13:15:02Z
Southern First: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-22T12:26:27ZUS Market's Undiscovered Gems Three Promising Small Caps
Simply Wall St. âĸ 2026-01-19T11:33:27Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $118,089,000 | $93,363,000 | $87,514,000 | $107,595,000 |
| Operating Revenue | $118,089,000 | $93,363,000 | $87,514,000 | $107,595,000 |
| Expenses | ||||
| Interest Expense | $106,530,000 | $119,990,000 | $99,944,000 | $20,041,000 |
| Selling And Marketing Expense | $1,529,000 | $1,412,000 | $1,357,000 | $1,216,000 |
| General And Administrative Expense | $48,681,000 | $47,568,000 | $44,041,000 | $40,476,000 |
| Professional Expense And Contract Services Expense | $2,455,000 | $2,404,000 | $2,496,000 | $2,635,000 |
| Other Non Interest Expense | $12,886,000 | $11,651,000 | $10,678,000 | $9,501,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Net Interest Income | $104,951,000 | $81,222,000 | $77,654,000 | $97,621,000 |
| Interest Income | $211,481,000 | $201,212,000 | $177,598,000 | $117,662,000 |
| Normalized Income | $30,366,000 | $15,530,000 | $13,426,000 | $29,416,016 |
| Net Income From Continuing And Discontinued Operation | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Net Income Common Stockholders | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Net Income | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Net Income Including Noncontrolling Interests | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Net Income Continuous Operations | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Pretax Income | $39,605,000 | $19,912,000 | $17,427,000 | $38,113,000 |
| Special Income Charges | - | $28,000 | $0 | $-394,000 |
| Per Share | ||||
| Diluted EPS | $3.75 | $1.91 | $1.66 | $3.61 |
| Basic EPS | $3.77 | $1.92 | $1.67 | $3.66 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $-92,984 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $4,307,000 | $4,810,000 | $4,816,000 | $3,698,000 |
| Diluted Average Shares | $8,091,000 | $8,117,000 | $8,078,000 | $8,072,000 |
| Basic Average Shares | $8,048,000 | $8,081,000 | $8,047,000 | $7,958,000 |
| Diluted NI Availto Com Stockholders | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Tax Provision | $9,239,000 | $4,382,000 | $4,001,000 | $8,998,000 |
| Gain On Sale Of Security | $-515,000 | $0 | $0 | $12,000 |
| Selling General And Administration | $50,210,000 | $48,980,000 | $45,398,000 | $41,692,000 |
| Insurance And Claims | $3,875,000 | $4,022,000 | $3,766,000 | $1,686,000 |
| Salaries And Wages | $44,806,000 | $43,546,000 | $40,275,000 | $38,790,000 |
| Occupancy And Equipment | $9,983,000 | $10,291,000 | $10,255,000 | $9,105,000 |
| Total Unusual Items | - | $28,000 | $0 | $-394,000 |
| Total Unusual Items Excluding Goodwill | - | $28,000 | $0 | $-394,000 |
| Other Special Charges | - | $-28,000 | - | $394,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-15
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $368,657,000 | $330,444,000 | $312,467,000 | $294,512,000 |
| Total Assets | $4,403,494,000 | $4,087,593,000 | $4,055,789,000 | $3,691,981,000 |
| Cash And Cash Equivalents | $86,110,000 | $34,411,000 | $36,821,000 | $69,597,000 |
| Cash Financial | $27,821,000 | $22,553,000 | $28,020,000 | $18,788,000 |
| Cash Cash Equivalents And Federal Funds Sold | $269,583,000 | $162,863,000 | $156,170,000 | $170,874,000 |
| Debt | ||||
| Net Debt | $178,793,000 | $230,492,000 | $274,501,000 | $141,617,000 |
| Total Debt | $264,903,000 | $264,903,000 | $311,322,000 | $211,214,000 |
| Long Term Debt And Capital Lease Obligation | $264,903,000 | $264,903,000 | $311,322,000 | $211,214,000 |
| Long Term Debt | $264,903,000 | $264,903,000 | $311,322,000 | $211,214,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,034,837,000 | $3,757,149,000 | $3,743,322,000 | $3,397,469,000 |
| Equity | ||||
| Common Stock Equity | $368,657,000 | $330,444,000 | $312,467,000 | $294,512,000 |
| Total Equity Gross Minority Interest | $368,657,000 | $330,444,000 | $312,467,000 | $294,512,000 |
| Stockholders Equity | $368,657,000 | $330,444,000 | $312,467,000 | $294,512,000 |
| Other Equity Interest | $-1,338,000 | $-3,884,000 | $-3,596,000 | $-3,306,000 |
| Gains Losses Not Affecting Retained Earnings | $-7,454,000 | $-11,472,000 | $-11,342,000 | $-13,410,000 |
| Other Equity Adjustments | $-7,454,000 | $-11,472,000 | $-11,342,000 | $-13,410,000 |
| Retained Earnings | $251,443,000 | $221,077,000 | $205,547,000 | $192,121,000 |
| Long Term Equity Investment | $403,000 | $403,000 | $403,000 | $403,000 |
| Other | ||||
| Ordinary Shares Number | $8,213,328 | $8,164,872 | $8,088,186 | $8,011,045 |
| Share Issued | $8,213,328 | $8,164,872 | $8,088,186 | $8,011,045 |
| Tangible Book Value | $368,657,000 | $330,444,000 | $312,467,000 | $294,512,000 |
| Invested Capital | $633,560,000 | $595,347,000 | $623,789,000 | $505,726,000 |
| Total Capitalization | $633,560,000 | $595,347,000 | $623,789,000 | $505,726,000 |
| Additional Paid In Capital | $125,924,000 | $124,641,000 | $121,777,000 | $119,027,000 |
| Capital Stock | $82,000 | $82,000 | $81,000 | $80,000 |
| Common Stock | $82,000 | $82,000 | $81,000 | $80,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $133,253,000 | $137,101,000 | $138,578,000 | $94,930,000 |
| Available For Sale Securities | $132,831,000 | $136,237,000 | $128,708,000 | $1,180,000 |
| Net PPE | $83,465,000 | $88,794,000 | $94,301,000 | $99,183,000 |
| Accumulated Depreciation | $-30,854,000 | $-26,547,000 | $-21,907,000 | $-17,219,000 |
| Gross PPE | $114,319,000 | $115,341,000 | $116,208,000 | $116,402,000 |
| Leases | $5,789,000 | $5,789,000 | $5,762,000 | $5,545,000 |
| Construction In Progress | $219,000 | $56,000 | $130,000 | $742,000 |
| Other Properties | $19,002,000 | $20,607,000 | $22,170,000 | $23,586,000 |
| Machinery Furniture Equipment | $23,121,000 | $22,713,000 | $22,272,000 | $20,831,000 |
| Buildings And Improvements | $54,944,000 | $54,932,000 | $54,630,000 | $54,454,000 |
| Land And Improvements | $11,244,000 | $11,244,000 | $11,244,000 | $11,244,000 |
| Other Short Term Investments | $19,000 | $461,000 | $9,467,000 | $93,347,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-15
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $29,876,000 | $24,773,000 | $16,411,000 | $36,355,000 |
| Operating Activities | ||||
| Operating Cash Flow | $30,457,000 | $25,558,000 | $17,653,000 | $50,305,000 |
| Cash Flow From Continuing Operating Activities | $30,457,000 | $25,558,000 | $17,653,000 | $50,305,000 |
| Operating Gains Losses | $-5,823,000 | $-5,475,000 | $-3,790,000 | $-2,532,000 |
| Investing Activities | ||||
| Capital Expenditure | $-581,000 | $-785,000 | $-1,242,000 | $-13,950,000 |
| Investing Cash Flow | $-206,332,000 | $-28,860,000 | $-378,575,000 | $-792,583,000 |
| Cash Flow From Continuing Investing Activities | $-206,332,000 | $-28,860,000 | $-378,575,000 | $-792,583,000 |
| Net Other Investing Changes | - | - | - | - |
| Financing Activities | ||||
| Financing Cash Flow | $282,595,000 | $9,995,000 | $346,218,000 | $745,943,000 |
| Cash Flow From Continuing Financing Activities | $282,595,000 | $9,995,000 | $346,218,000 | $745,943,000 |
| Net Other Financing Charges | $-485,000 | - | - | - |
| Other | ||||
| Repayment Of Debt | $0 | $-46,500,000 | $0 | $0 |
| Issuance Of Debt | $0 | - | $100,000,000 | $175,000,000 |
| Interest Paid Supplemental Data | $106,853,000 | $119,348,000 | $93,351,000 | $18,877,000 |
| Income Tax Paid Supplemental Data | $10,640,000 | $3,767,000 | $1,514,000 | $11,828,000 |
| End Cash Position | $269,583,000 | $162,863,000 | $156,170,000 | $170,874,000 |
| Beginning Cash Position | $162,863,000 | $156,170,000 | $170,874,000 | $167,209,000 |
| Changes In Cash | $106,720,000 | $6,693,000 | $-14,704,000 | $3,665,000 |
| Proceeds From Stock Option Exercised | $2,042,000 | $294,000 | $518,000 | $905,000 |
| Net Issuance Payments Of Debt | $0 | $-46,500,000 | $100,000,000 | $175,000,000 |
| Net Long Term Debt Issuance | $0 | $-46,500,000 | $100,000,000 | $175,000,000 |
| Long Term Debt Payments | $0 | $-46,500,000 | $0 | $0 |
| Long Term Debt Issuance | $0 | - | $100,000,000 | $175,000,000 |
| Net Investment Purchase And Sale | $7,965,000 | $2,305,000 | $-47,902,000 | $3,402,000 |
| Sale Of Investment | $40,995,000 | $30,543,000 | $66,964,000 | $44,201,000 |
| Purchase Of Investment | $-33,030,000 | $-28,238,000 | $-114,866,000 | $-40,799,000 |
| Net PPE Purchase And Sale | $-581,000 | $-757,000 | $-1,242,000 | $-13,855,000 |
| Sale Of PPE | $0 | $28,000 | $0 | $95,000 |
| Purchase Of PPE | $-581,000 | $-785,000 | $-1,242,000 | $-13,950,000 |
| Change In Working Capital | $-3,379,000 | $-345,000 | $-576,000 | $-1,404,000 |
| Change In Other Working Capital | $-1,618,000 | $-1,424,000 | $-1,146,000 | $-417,000 |
| Change In Other Current Liabilities | $-2,334,000 | $5,838,000 | $2,178,000 | $4,082,000 |
| Change In Other Current Assets | $1,876,000 | $-3,527,000 | $-1,378,000 | $-5,047,000 |
| Other Non Cash Items | $-666,000 | $8,076,000 | $513,000 | $12,553,000 |
| Stock Based Compensation | $2,272,000 | $2,283,000 | $1,943,000 | $2,026,000 |
| Depreciation Amortization Depletion | $4,307,000 | $4,810,000 | $4,816,000 | $3,698,000 |
| Depreciation And Amortization | $4,307,000 | $4,810,000 | $4,816,000 | $3,698,000 |
| Gain Loss On Investment Securities | $515,000 | $0 | $0 | $-12,000 |
| Gain Loss On Sale Of PPE | $0 | $-28,000 | $0 | $394,000 |
| Net Income From Continuing Operations | $30,366,000 | $15,530,000 | $13,426,000 | $29,115,000 |
| Asset Impairment Charge | - | - | - | $0 |
Fetched: 2026-06-15