Southern First Bancshares (SFST) AI Stock Analysis

• Market Cap: $481.77M
• Dividend Yield: N/A
• Average Volume (3M): 17.98K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.88
• Revenue Growth: 4.74%
• EPS Growth: 86.27%
• Country: US
• Employees: 297
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.21
• Shares Outstanding: 8,231,198
• 10 Day Avg. Volume: 14,806
• 30 Day Avg. Volume: 17,982
• PEG Ratio: 0.14
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 1.85
• P/FCF Ratio: 13.88
• Enterprise Value/Market Cap: 1.50
• Enterprise Value/Revenue: 3.21
• Enterprise Value/Gross Profit: 6.27
• Enterprise Value/Ebitda: 16.39
• 1Y Price Target: $64.00
• Price Target Upside: 9.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 5.3
• Revenue Forecast (FY): $141.40M

• Rating: 66 Neutral
• Price Target: $60.00 ▲(2.51% Upside)
• Action: Reiterated Date: 02/28/26
• Date: Action: Reiterated 02/28/26

The score is driven primarily by improving fundamentals in 2025 (stronger revenue/profitability and a healthier balance sheet), tempered by historical volatility in margins and cash-flow consistency. Technicals are supportive longer-term but weaker near-term, and valuation looks reasonable based on a mid-teens P/E.

Positive Factors

Sustained revenue and profit rebound

Meaningful 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.

Negative Factors

Volatile margins and cycle sensitivity

Material 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.

Southern First Bancshares Business Overview & Revenue Model

Company Description

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: ...

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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: ...

How the Company Makes Money

Southern First Bancshares generates revenue primarily through interest income from loans and investment securities. The bank issues various types of loans, including commercial, residential, and consumer loans, which typically yield higher interes...

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Southern First Bancshares generates revenue primarily through interest income from loans and investment securities. The bank issues various types of loans, including commercial, residential, and consumer loans, which typically yield higher interes...

Southern First Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	224.62M	213.32M	187.46M	127.64M	110.26M
Gross Profit	115.14M	93.33M	86.25M	101.44M	117.23M
EBITDA	44.34M	24.72M	22.24M	41.81M	63.12M
Net Income	30.37M	15.53M	13.43M	29.11M	46.71M
Balance Sheet
Total Assets	4.40B	4.09B	4.06B	3.69B	2.93B
Cash, Cash Equivalents and Short-Term Investments	155.55M	34.87M	46.29M	162.94M	200.61M
Total Debt	264.90M	264.90M	311.32M	211.21M	36.11M
Total Liabilities	4.03B	3.76B	3.74B	3.40B	2.65B
Stockholders Equity	368.66M	330.44M	312.47M	294.51M	277.90M
Cash Flow
Free Cash Flow	29.88M	24.77M	16.41M	36.35M	51.56M
Operating Cash Flow	30.46M	25.56M	17.65M	50.30M	78.07M
Investing Cash Flow	-206.33M	-28.86M	-378.57M	-792.58M	-410.63M
Financing Cash Flow	282.60M	9.99M	346.22M	745.94M	399.08M

Southern First Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 58.53
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFST, the sentiment is Positive. The current price of 58.53 is above the 20-day moving average (MA) of 54.57, above the 50-day MA of 56.02, and above the 200-day MA of 48.72, indicating a bullish trend. The MACD of 0.96 indicates Negative momentum. The RSI at 66.09 is Neutral, neither overbought nor oversold. The STOCH value of 86.94 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SFST.

Southern First Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WTBA	69 Neutral	$424.54M	11.55	13.03%	4.39%	4.47%	49.09%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFST	66 Neutral	$481.77M	10.51	8.63%	―	4.74%	86.27%
PDLB	64 Neutral	$425.64M	13.01	5.45%	―	16.03%	145.10%
BWFG	63 Neutral	$419.50M	10.09	12.21%	1.66%	2.52%	85.94%
FMAO	63 Neutral	$369.00M	10.19	9.33%	3.18%	6.52%	36.77%
MSBI	54 Neutral	$514.76M	-3.72	-21.66%	5.87%	12.76%	-401.62%

Southern First Bancshares Corporate Events