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
$519.27M
Enterprise Value$760.25M
Total Cash (Recent Filing)$155.55M
Total Debt (Recent Filing)$264.90M
Price to Earnings (P/E)11.2
Beta0.93
Next Earnings
Jul 28, 2026EPS Estimate
1.19Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.19
Shares Outstanding9,297,665
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 Cap1.46
Enterprise Value/Revenue3.38
Enterprise Value/Gross Profit6.60
Enterprise Value/Ebitda17.27
Forecast
1Y Price Target
$64.00Price Target Upside10.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.42
Revenue Forecast (FY)$140.60M
Bulls Say, Bears Say
Bulls Say
Revenue & Profit ReboundSustained revenue acceleration and a meaningful profitability rebound through 2025—including a sharp revenue uptick and net income roughly doubling vs. 2024—reflect expanding loan and deposit scale and improving net interest income, supporting durable earnings capacity.
Stronger Capital PositionThe recent underwritten equity raise materially increased common equity, boosting CET1 and tangible capital. This expands regulatory and growth capacity, giving management lasting flexibility to fund loan growth and buffer credit or rate shocks without over-reliance on expensive wholesale funding.
Deposit Growth & Asset QualityRecord retail deposit inflows (~$210M in Q1) and a rising NIM (2.88%) improve low-cost funding stability. Coupled with very low net charge-offs (0.01%) and NPAs at 0.26%, this durable funding and solid credit quality support sustainable lending expansion and earnings resilience.
Bears Say
Cash Flow VolatilityInconsistent free cash flow across multiple years indicates cash generation is cyclical and tied to rate/credit dynamics. That variability complicates reliable capital allocation, dividend policy, and stress planning, making medium-term cash-based returns and investments less predictable.
Elevated Structural LeverageAlthough leverage has declined recently, it remains structurally higher than earlier pre‑cycle years while ROE is below its prior peak. This higher leverage profile reduces downside buffers, increases cyclic risk, and limits the pace at which retained earnings can rebuild capital over time.
Share Dilution From Equity RaiseThe recent common share offering increases outstanding shares and is permanently dilutive to existing holders. Even as proceeds strengthen capital, dilution reduces near-term EPS and makes per‑share earnings and book‑value accretion harder to achieve unless organic returns outpace the share growth.
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 $519.27M.
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 89 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 9,297,665 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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Analyst Consensus
Moderate Buy
Average Price Target:
$64.00 (10.76% Upside)
$64.00 (10.76% Upside)
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.
SFST Stock 12 Month Forecast
Average Price Target
$64.00
▲(10.76% Upside)
Technical Analysis
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Ownership Overview
5.46% Insiders
21.37% Mutual Funds
1.30% Other Institutional Investors
60.72% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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