Southern First Bancshares (SFST)
NASDAQ:SFST
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SFST Stock Chart & Stats
$57.78
-$0.26(-0.73%)
At close: 4:00 PM EST
$57.78
-$0.26(-0.73%)
Day’s Range― - ―
52-Week Range$34.80 - $62.38
Previous CloseN/A
Volume3.21K
Average Volume (3M)17.98K
Market Cap
$581.59M
Enterprise Value$696.59M
Total Cash (Recent Filing)$114.58M
Total Debt (Recent Filing)$264.90M
Price to Earnings (P/E)14.2
Beta0.89
Next Earnings
Jul 28, 2026EPS Estimate
1.19Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.32
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 Cap1.20
Enterprise Value/Revenue3.39
Enterprise Value/Gross Profit5.71
Enterprise Value/Ebitda14.39
Forecast
1Y Price Target
$67.00Price Target Upside15.96% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.14
Revenue Forecast (FY)$140.60M
Bulls Say, Bears Say
Bulls Say
Capital StrengthThe sizable equity raise materially increases regulatory and loss-absorbing capital, lowering funding risk and enabling organic loan and deposit growth without pushing leverage higher. Strong reported CET1 and TCE enhance the bank’s capacity to expand lending and absorb stress over coming quarters.
Improving ProfitabilityMeaningful margin and ROE improvement reflects better net interest income and operational leverage, boosting internal cash generation. Sustained higher margins support reinvestment in branches and digital channels and provide a buffer for cyclical pressure on yields over a multi-month horizon.
Asset Quality & FundingExceptionally low charge-offs and falling NPAs alongside sizable retail deposit inflows strengthen stable funding and liquidity. Reliable deposit growth and clean credit metrics underpin durable loan growth capacity and reduce reliance on wholesale funding during economic stress.
Bears Say
Top-line PressureA declining top line erodes operating leverage and constrains the firm’s ability to absorb fixed costs, potentially limiting reinvestment and margin resilience. If revenue weakness persists, management may need to slow expansion or increase pricing, affecting medium-term earnings stability.
Profitability & Leverage VolatilityHistoric swings in leverage and returns indicate earnings sensitivity to cycle and capital actions. Inconsistent metrics raise execution risk: sustaining improved ROE may require continued capital discipline and prudent credit underwriting, or the bank could re-lever and see profitability revert under stress.
Reliance On Capital MarketsDependence on an underwritten equity raise to fund growth signals limited near-term internal capital sufficiency. While the proceeds shore up balance sheet, recurring market raises could dilute shareholders and leave strategic plans exposed if public markets become less accessible, constraining long-term flexibility.
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 $34.80 and its highest was $62.38 in the past 12 months.
What is Southern First Bancshares’s market cap?
Southern First Bancshares’s market cap is $581.59M.
When is Southern First Bancshares’s upcoming earnings report date?
Southern First Bancshares’s upcoming earnings report date is Jul 28, 2026 which is in 45 days.
How were Southern First Bancshares’s earnings last quarter?
Southern First Bancshares released its earnings results on Apr 21, 2026. The company reported $1.19 earnings per share for the quarter, missing the consensus estimate of $1.23 by -$0.04.
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 1.19.
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 $1.19 in its last earnings report, missing expectations of $1.23. Following the earnings report the stock price went up 0.57%.
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
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10
Analyst Consensus
Hold
Average Price Target:
$67.00 (15.96% Upside)
$67.00 (15.96% 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 $46.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.77%
12-Months-Change
Fundamentals
Return on Equity
9.65%
Trailing 12-Months
Asset Growth
6.86%
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
▲(15.96% Upside)
Technical Analysis
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Ownership Overview
5.44% Insiders
21.54% Mutual Funds
35.25% Other Institutional Investors
25.86% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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