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SFST Stock Chart & Stats
$61.49
$0.94(1.55%)
At close: 4:00 PM EDT
$61.49
$0.94(1.55%)
Day’s Range― - ―
52-Week Range$38.30 - $64.06
Previous Close$61.49
Volume157.97K
Average Volume (3M)17.98K
Market Cap
$590.00M
Enterprise Value$792.69
Total Cash (Recent Filing)$30.10M
Total Debt (Recent Filing)$253.40M
Price to Earnings (P/E)13.2
Beta0.93
Next Earnings
Oct 27, 2026EPS Estimate
1.26Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.73
Shares Outstanding9,455,165
10 Day Avg. Volume14,806
30 Day Avg. Volume17,982
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)1.12
Price to Sales (P/S)1.85
P/FCF Ratio13.88
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$67.00Price Target Upside8.96% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.05
Revenue Forecast (FY)$148.70M
Bulls Say, Bears Say
Bulls Say
Improving ProfitabilitySouthern First's TTM net margin (~17%) and ROE (~9.7%) reflect a material step-up in core profitability versus recent years. Sustained higher margins point to stronger net interest income and expense control, enhancing long-term internal capital generation and resilience to cyclical slowdowns.
Strengthened Capital PositionA sizeable $65.2M equity raise and CET1 improvement to 12.81% materially strengthen regulatory capital, giving the bank flexibility to support organic loan and deposit growth. Redeeming phased-out, higher-cost subordinated notes also reduces funding cost and regulatory uncertainty over the medium term.
Deposit & Loan Growth, Strong Cash GenerationRapid retail deposit gains and 9% annualized loan growth expand stable, low-cost funding and support net interest income expansion. Complemented by rising operating cash flow and improving free cash flow, this combination underpins durable earnings quality and funds growth without reliance on volatile wholesale funding.
Bears Say
Top-line PressureDespite margin improvement, TTM revenue contraction (~8.4% YoY) signals underlying top-line vulnerability. Sustained revenue weakness could compress operating leverage and test recent margin gains, reducing scope for reinvestment and making performance more sensitive to loan demand or interest-rate swings.
Inconsistent Leverage & ReturnsHistorical swings in leverage and returns indicate sensitivity to growth and capital actions. If earnings soften, the bank may need to re-lever or seek capital, which can amplify volatility in ROE and reduce predictability of long-term returns for shareholders and creditors.
Equity Raise & Potential DilutionRaising equity to fund growth improves capital but dilutes existing shareholders and signals dependence on markets for financing expansion. Repeated reliance on equity issuance can weigh on per-share metrics and require careful deployment to restore per-share earnings and justify the dilution over the medium term.
Southern First Bancshares News
SFST FAQ
What was Southern First Bancshares’s price range in the past 12 months?
Southern First Bancshares lowest stock price was $38.30 and its highest was $64.06 in the past 12 months.
What is Southern First Bancshares’s market cap?
Southern First Bancshares’s market cap is $590.00M.
When is Southern First Bancshares’s upcoming earnings report date?
Southern First Bancshares’s upcoming earnings report date is Oct 27, 2026 which is in 85 days.
How were Southern First Bancshares’s earnings last quarter?
Southern First Bancshares released its earnings results on Jul 21, 2026. The company reported $1.2 earnings per share for the quarter, beating the consensus estimate of $1.19 by $0.01.
Is Southern First Bancshares overvalued?
According to Wall Street analysts Southern First Bancshares’s price is currently Undervalued.
Does Southern First Bancshares pay dividends?
Southern First Bancshares does not currently pay dividends.
What is Southern First Bancshares’s EPS estimate?
Southern First Bancshares’s EPS estimate is 1.26.
How many shares outstanding does Southern First Bancshares have?
Southern First Bancshares has 9,455,165 shares outstanding.
What happened to Southern First Bancshares’s price movement after its last earnings report?
Southern First Bancshares reported an EPS of $1.2 in its last earnings report, beating expectations of $1.19. Following the earnings report the stock price went up 0.538%.
Which hedge fund is a major shareholder of Southern First Bancshares?
Currently, no hedge funds are holding shares in SFST
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Southern First Bancshares Stock Smart Score
Neutral
1
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5
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9
10
Analyst Consensus
Hold
Average Price Target:
$67.00 (8.96% Upside)
$67.00 (8.96% Upside)
Blogger Sentiment
Neutral
SFST Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 115.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $61.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.77%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
9.10%
Trailing 12-Months
Company Description
Southern First Bancshares
Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credit. Complementary services include online and mobile banking, cash management, safe deposit boxes, direct deposit, automated drafts, and bill payment. The company operates eight retail branches in South Carolina (Greenville, Charleston, and Columbia), three in North Carolina (Raleigh, Greensboro, and Charlotte areas), and one in Atlanta, Georgia. Founded in 1999, Southern First Bancshares, Inc. is based in Greenville, South Carolina.
SFST Stock 12 Month Forecast
Average Price Target
$67.00
▲(8.96% Upside)
Technical Analysis
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Ownership Overview
5.42% Insiders
22.29% Mutual Funds
0.87% Other Institutional Investors
55.91% Public Companies and
Individual Investors