Southern First Bancshares, Inc. (SFST)

NGM – Real Time Price. Currency in USD

56.05

-0.17 (-0.30%)

At close: May 12, 2026, 4:00 PM EDT

56.21

+0.16 (0.29%)

Pre-market: May 13, 2026, 6:56 AM EDT

Stock details

Previous close: 56.05$
Day's range: 55.45 - 56.45$
52-week range: 34.51 - 62$
Volume: 115 313
Average volume: 101 266
Beta: 0.78
EPS (TTM): 4.33
PE ratio (TTM): 13.08
Forward P/E: 10.9
Market cap: 529 962 004
Shares outstanding: 9 455 165
Dividend yield: N/A
Next earnings date: 2026-07-28
Sector: Financials
Industry: Banks - Regional

About the company

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-ter... read more

CEO: R. Seaver
Country: United States
IPO Date: 1999-10-28
Employees: 315
Fiscal Year End: January - December
Website: https://www.southernfirst.com

Revenue Breakdown

Banking and Financial Services / 100.00%

News

No Data

There are no news for this stock.

Chart: SFST

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Overall Score

4.8 / 1048%

Financial Strength

5.4

Profitability

6.2

Effectiveness

3.5

Growth

7.4

Forecast

9.9

Valuation

4.2

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $292.5M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.8) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $11.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.10	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.77	0.05	6.0
Debt to Assets	0.06	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	127M	187M	213M	225M	230M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	38M	17M	20M	40M	45M
Net Income	29M	13M	16M	30M	35M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	36.94	0.44	10
Net margin %	29.25	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	19.95	0.00	9.0
Weighted average score			6.2

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.66	1.46	2.0
ROE	8.17	14.94	6.0
ROIC	4.46	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			3.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	26.79	46.91	10
Next quarter	23.68	22.43	10
Current year	25.92	37.07	10
Next year	18.49	28.02	9.5
Weighted average score			9.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	0.92	0.3	-1.64	2081.89	3.8
Y/Y	10.22	87.75	83.08	-13.75	7.0
3y average	22.14	19.11	19.13	18.25	9.3
5y average	14.61	34.9	37.99	57.99	9.5
Weighted average score					7.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	13.22	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.68	3.37	4.4
P/B	1.40	1.53	5.6
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR11.32%

FCF 5 year CAGR4

Fair value59.81$

Stock price56.05$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$59.81

UndervaluedStock priceOvervalued

$56.05

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

R. Seaver

Country

United States

IPO Date

1999-10-28

Employees

315

Fiscal Year End

January - December

Website

https://www.southernfirst.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.10

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.77

0.05

6.0

Debt to Assets

0.06

0.09

9.0

Interest coverage

N/A

Weighted average score

5.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

127M

187M

213M

225M

230M

Gross Profit

N/A

Operating Income

38M

17M

20M

40M

45M

Net Income

29M

13M

16M

30M

35M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

36.94

0.44

Net margin %

29.25

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

19.95

0.00

9.0

Weighted average score

6.2

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.66

1.46

2.0

ROE

8.17

14.94

6.0

ROIC

4.46

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

3.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

26.79

46.91

Next quarter

23.68

22.43

Current year

25.92

37.07

Next year

18.49

28.02

9.5

Weighted average score

9.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

0.92

0.3

-1.64

2081.89

3.8

Y/Y

10.22

87.75

83.08

-13.75

7.0

3y average

22.14

19.11

19.13

18.25

9.3

5y average

14.61

34.9

37.99

57.99

9.5

Weighted average score

7.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

13.22

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.68

3.37

4.4

P/B

1.40

1.53

5.6

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Southern First Bancshares, Inc. (SFST)

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Southern First Bancshares, Inc. (SFST)

Stock details

About the company

Revenue Breakdown

News

Chart: SFST

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$59.81

$56.05

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: SFST

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$59.81

$56.05

Economic Moat