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$34.51 - $62.00
Previous CloseN/A
Volume3.21K
Average Volume (3M)17.98K
Market Cap
$533.18M
Enterprise Value$683.54M
Total Cash (Recent Filing)$114.58M
Total Debt (Recent Filing)$264.90M
Price to Earnings (P/E)11.2
Beta0.90
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 Cap1.28
Enterprise Value/Revenue3.32
Enterprise Value/Gross Profit5.61
Enterprise Value/Ebitda14.12
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.42
Revenue Forecast (FY)$140.60M
Bulls Say, Bears Say
Bulls Say
Improving Profitability And ReturnsSouthern First’s TTM net margin (~17%) and improved ROE (~9.7%) reflect structurally higher profitability versus 2024–2025. Sustained margin expansion supports internal capital generation, provides a buffer for credit cycles, and underpins durable return-on-equity improvement if credit and funding trends hold.
Solid Cash Generation And FCF ConversionOperating cash flow growth and near‑par free cash flow conversion (~0.98x of earnings) indicate high earnings quality and repeatable cash generation. Reliable cash flow reduces reliance on external funding for growth, supports reinvestment and capital needs, and strengthens long-term balance sheet flexibility.
Bolstered Capital And Deposit-led GrowthThe ~$65M equity raise, solid CET1 and tangible common equity ratios, plus substantial retail deposit inflows support sustainable balance sheet growth. Strengthened capital positions management to fund loan growth, expand in Southeastern markets, and absorb shocks without immediate reliance on costly wholesale funding.
Bears Say
Top-line Pressure: Revenue DeclineA durable concern is an ~8.4% YoY drop in revenue in the TTM period. Persistent top‑line weakness can erode the benefits of margin expansion over time, limiting the bank’s ability to scale operating leverage, sustain returns, or absorb higher provisions without relying on cost cuts or additional capital.
Historical Inconsistency In Leverage And ReturnsThe company’s leverage and returns have fluctuated meaningfully over recent years. Such inconsistency raises the risk that capital and earnings metrics could reverse in stress periods, meaning the bank must manage capital ratios proactively to avoid forced asset or funding adjustments during downturns.
Equity Issuance Dilutes Shareholders And Rising ExpensesRaising equity improves capital but creates dilution and signals external funding needs beyond retained earnings. Coupled with expected seasonal compensation-driven expense increases, this can compress near‑term operating leverage and returns per share, making sustained ROE improvement dependent on effective expense and growth execution.
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 $34.51 and its highest was $62.00 in the past 12 months.
What is Southern First Bancshares’s market cap?
Southern First Bancshares’s market cap is $533.18M.
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 68 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 Overvalued.
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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5
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9
10
Blogger Sentiment
Neutral
SFST Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 3.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $137.8K 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
9.65%
Trailing 12-Months
Asset Growth
6.86%
Trailing 12-Months
Company Description
Southern First Bancshares
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. 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 provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
Technical Analysis
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Ownership Overview
5.36% Insiders
21.09% Mutual Funds
35.25% Other Institutional Investors
26.81% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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