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Southern First Bancshares (SFST)
NASDAQ:SFST
SFST Stock Chart & Stats
$52.46
-$0.26(-0.73%)
At close: 4:00 PM EST
$52.46
-$0.26(-0.73%)
Day’s Range― - ―
52-Week Range$29.14 - $62.00
Previous CloseN/A
Volume3.21K
Average Volume (3M)17.98K
Market Cap
$432.96M
Enterprise Value$670.04M
Total Cash (Recent Filing)$155.55M
Total Debt (Recent Filing)$264.90M
Price to Earnings (P/E)10.5
Beta0.91
Next Earnings
Apr 28, 2026EPS Estimate
1.23Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.21
Shares Outstanding8,231,198
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 Cap1.55
Enterprise Value/Revenue2.98
Enterprise Value/Gross Profit5.82
Enterprise Value/Ebitda15.22
Forecast
1Y Price Target
$64.00Price Target Upside22.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.3
Revenue Forecast (FY)$141.40M
Bulls Say, Bears Say
Bulls Say
Sustained Revenue And Profit ReboundMeaningful revenue acceleration and a sharp profit rebound through 2025 indicate durable improvement in core banking flows (loan and deposit growth). Stronger recurring revenue and restored profitability help fund growth, build capital internally, and reduce reliance on external financing over the medium term.
Improving Balance Sheet Leverage And CapitalDeclining leverage and rising equity signal a healthier capital position and greater resilience to stress. A stronger capital base supports lending capacity, meets regulatory expectations, and gives management flexibility for M&A or reinvestment while helping preserve depositor and investor confidence over multiple economic cycles.
Free Cash Flow Tracks Net IncomeWhen FCF aligns with net income for a bank, it indicates earnings are being converted into available cash rather than driven by accounting items. This quality underpins sustainable dividend capacity, internal investment in loan growth and technology, and reduces dependence on volatile wholesale funding across planning horizons.
Bears Say
Volatile Margins And Cycle SensitivityMaterial margin variability tied to rate and credit cycles reduces predictability of core earnings and weakens compounding returns. For a regional bank, this sensitivity can pressure ROE and cash generation during downturns, complicating capital planning and investor visibility over multi-quarter horizons.
Inconsistent Free Cash Flow GrowthIrregular FCF trajectories constrain steady capital allocation, making it harder to commit to dividends, buybacks, or sustained loan growth. This variability signals operational or cyclical swings in cash conversion that can limit long-term strategic investments and heighten funding risk in stressed periods.
Leverage Remains Above Earlier Conservative LevelsAlthough leverage is improving, it remains elevated versus prior conservative norms, which raises downside risk if credit stress or deposit pressure emerges. Returns below prior peaks suggest capital efficiency has room to recover, and higher leverage can amplify earnings volatility and regulatory scrutiny over time.
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 $29.14 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 $432.96M.
When is Southern First Bancshares’s upcoming earnings report date?
Southern First Bancshares’s upcoming earnings report date is Apr 28, 2026 which is in 48 days.
How were Southern First Bancshares’s earnings last quarter?
Southern First Bancshares released its earnings results on Jan 22, 2026. The company reported $1.21 earnings per share for the quarter, beating the consensus estimate of $1.11 by $0.1.
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 1.23.
How many shares outstanding does Southern First Bancshares have?
Southern First Bancshares has 8,231,198 shares outstanding.
What happened to Southern First Bancshares’s price movement after its last earnings report?
Southern First Bancshares reported an EPS of $1.21 in its last earnings report, beating expectations of $1.11. Following the earnings report the stock price went up 3.359%.
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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4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$64.00 (22.00% Upside)
$64.00 (22.00% Upside)
Blogger Sentiment
Bullish
SFST Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 3.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $742.5K 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
8.63%
Trailing 12-Months
Asset Growth
7.69%
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
▲(22.00% Upside)
Technical Analysis
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Ownership Overview
6.28% Insiders
23.87% Mutual Funds
31.94% Other Institutional Investors
25.55% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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