Southern First Extends Revolving Credit Facility to 2027

An announcement from Southern First Bancshares ( (SFST) ) is now available.

On March 5, 2026, Southern First Bancshares, Inc. amended its existing $15 million revolving credit facility with TIB, National Association, extending the maturity of the line of credit to March 5, 2027 and adjusting certain terms under a Modification of Loan Agreement. Under the revised terms, the company agreed to pay a 0.25% non-usage fee, calculated as $37,500 less interest paid and due at maturity, while reporting that as of March 10, 2026, there was no outstanding principal balance on the facility, indicating available liquidity without current reliance on the debt line.

The most recent analyst rating on (SFST) stock is a Hold with a $60.00 price target. To see the full list of analyst forecasts on Southern First Bancshares stock, see the SFST Stock Forecast page.

Spark’s Take on SFST Stock

According to Spark, TipRanks’ AI Analyst, SFST is a Neutral.

The score is driven primarily by improving fundamentals in 2025 (stronger revenue/profitability and a healthier balance sheet), tempered by historical volatility in margins and cash-flow consistency. Technicals are supportive longer-term but weaker near-term, and valuation looks reasonable based on a mid-teens P/E.

To see Spark’s full report on SFST stock, click here.

More about Southern First Bancshares

Southern First Bancshares, Inc. is a financial services company operating in the banking industry through a revolving credit facility with TIB, National Association. The company utilizes a multiple-advance loan structure of up to $15 million to support its corporate financing needs and balance sheet flexibility.

Average Trading Volume: 61,704

Technical Sentiment Signal: Buy

Current Market Cap: $433M

For detailed information about SFST stock, go to TipRanks’ Stock Analysis page.