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Southern First Bancshares, Inc. logo

Southern First Bancshares, Inc.

SFST

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$63.03

+$0.21 · +0.33%

Aug 21, 4:00 PM ET

Pre-market

$62.939

−$0.091 · -0.14%

Aug 24, 4:13 AM ET

SFST company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

70

Undervalued

Momentum

55

Neutral

Sentiment

59

Mixed

Risk resilience

74

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
R. Arthur Seaver Jr.
Listed since
Oct 28, 1999
Employees
315

Market position

Day range

Current $63.03

52-week range

Current $63.03

Open
$62.59
Previous close
$62.82
Volume
160.25K
1.16× average
Average volume
138.72K
Average daily volume
Market cap
595.96M USD
Beta
0.68
Market reference 1
50-day average
$61.6874
+2.18% above average
200-day average
$56.4416
+11.67% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
593.43M USD
P/E (TTM)
13.33×
P/B (TTM)
1.28×
P/S (TTM)
2.82×
EV / EBITDA
13.38×
Earnings yield
7.32%
Free cash flow yield
7.21%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
60.86%
Operating margin
24.12%
Net margin
18.71%
Return on equity
8.24%
Return on assets
0.69%
Return on invested capital
4.42%

Financial health

Debt / equity
0.62×
Current ratio
0.02×
Altman Z-score
0.25
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends116%77%37%-3%Gross margin, FY2021: 106.33%Gross margin, FY2022: 79.48%Gross margin, FY2023: 46.01%Gross margin, FY2024: 43.75%Gross margin, FY2025: 51.26%Operating margin, FY2021: 55.15%Operating margin, FY2022: 29.86%Operating margin, FY2023: 9.30%Operating margin, FY2024: 9.33%Operating margin, FY2025: 17.63%Net margin, FY2021: 42.37%Net margin, FY2022: 22.81%Net margin, FY2023: 7.16%Net margin, FY2024: 7.28%Net margin, FY2025: 13.52%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 106.33%. Gross margin FY2022 79.48%. Gross margin FY2023 46.01%. Gross margin FY2024 43.75%. Gross margin FY2025 51.26%. Operating margin FY2021 55.15%. Operating margin FY2022 29.86%. Operating margin FY2023 9.30%. Operating margin FY2024 9.33%. Operating margin FY2025 17.63%. Net margin FY2021 42.37%. Net margin FY2022 22.81%. Net margin FY2023 7.16%. Net margin FY2024 7.28%. Net margin FY2025 13.52%.

Income trends

Revenue

224.62M USD+5.29%

Operating income

39.61M USD+98.90%

Net income

30.37M USD+95.53%
Income trends across reported periods245.74M USD161.26M USD76.78M USD−7.69M USDRevenue, FY2021: 110.26M USDRevenue, FY2022: 127.64M USDRevenue, FY2023: 187.46M USDRevenue, FY2024: 213.33M USDRevenue, FY2025: 224.62M USDOperating income, FY2021: 60.8M USDOperating income, FY2022: 38.11M USDOperating income, FY2023: 17.43M USDOperating income, FY2024: 19.91M USDOperating income, FY2025: 39.61M USDNet income, FY2021: 46.71M USDNet income, FY2022: 29.12M USDNet income, FY2023: 13.43M USDNet income, FY2024: 15.53M USDNet income, FY2025: 30.37M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 110.26M USD. Revenue FY2022 127.64M USD. Revenue FY2023 187.46M USD. Revenue FY2024 213.33M USD. Revenue FY2025 224.62M USD. Operating income FY2021 60.8M USD. Operating income FY2022 38.11M USD. Operating income FY2023 17.43M USD. Operating income FY2024 19.91M USD. Operating income FY2025 39.61M USD. Net income FY2021 46.71M USD. Net income FY2022 29.12M USD. Net income FY2023 13.43M USD. Net income FY2024 15.53M USD. Net income FY2025 30.37M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue224.62M USD213.33M USD187.46M USD127.64M USD110.26M USD
Cost of goods sold109.48M USD120.12M USD101.2M USD26.2M USD−6.97M USD
Gross profit115.14M USD93.34M USD86.25M USD101.44M USD117.23M USD
Selling, general, and administrative50.21M USD3.82M USD45.4M USD41.69M USD38.16M USD
Operating expenses75.53M USD73.3M USD68.83M USD62.93M USD56.43M USD
Interest income211.48M USD201.21M USD177.6M USD117.66M USD93.17M USD
Interest expense106.53M USD119.99M USD99.94M USD20.04M USD5.44M USD
Depreciation and amortization4.74M USD4.81M USD4.82M USD3.7M USD2.32M USD
Operating income39.61M USD19.91M USD17.43M USD38.11M USD60.8M USD
Net income30.37M USD15.53M USD13.43M USD29.12M USD46.71M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+25.15%
11 comparable reports
Latest EPS result
1.2
Estimate 1.19 · Beat by 0.84%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.3310.680.35Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 0.7, estimate 0.41, surprise +70.73%, Beat. Q2 2025, reported Apr 22, 2025: actual 0.65, estimate 0.61, surprise +6.56%, Beat. Q3 2025, reported Jul 22, 2025: actual 0.81, estimate 0.65, surprise +24.62%, Beat. Q4 2025, reported Oct 28, 2025: actual 1.07, estimate 0.89, surprise +20.22%, Beat. Q1 2026, reported Jan 22, 2026: actual 1.21, estimate 1.11, surprise +9.01%, Beat. Q2 2026, reported Apr 21, 2026: actual 1.19, estimate 1.2, surprise -0.83%, Miss. Q3 2026, reported Jul 21, 2026: actual 1.2, estimate 1.19, surprise +0.84%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 1.26, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates39.1M33.84M28.57M23.31MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 25.21M USD, estimate 24.81M USD, surprise +1.60%, Beat. Q2 2025, reported Apr 22, 2025: actual 26.5M USD, estimate 26.56M USD, surprise -0.22%, Miss. Q3 2025, reported Jul 22, 2025: actual 28.63M USD, estimate 28.7M USD, surprise -0.25%, Miss. Q4 2025, reported Oct 28, 2025: actual 31.13M USD, estimate 31.5M USD, surprise -1.18%, Miss. Q1 2026, reported Jan 22, 2026: actual 31.83M USD, estimate 31.9M USD, surprise -0.21%, Miss. Q2 2026, reported Apr 21, 2026: actual 33.8M USD, estimate 33.1M USD, surprise +2.11%, Beat. Q3 2026, reported Jul 21, 2026: actual 35.88M USD, estimate 36.3M USD, surprise -1.16%, Miss. Q4 2026, reported Oct 27, 2026: actual —, estimate 37.6M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

7 ratings
Strong buy00%
Buy114%
Hold686%
Sell00%
Strong sell00%

Recent analyst actions

1 institution

SFST news

zacks.com

Southern First (SFST) Upgraded to Strong Buy: Here's What You Should Know

Southern First (SFST) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Read source
zacks.com

What Makes Southern First (SFST) a Strong Momentum Stock: Buy Now?

Does Southern First (SFST) have what it takes to be a top stock pick for momentum investors? Let's find out.

Read source
zacks.com

Compared to Estimates, Southern First (SFST) Q2 Earnings: A Look at Key Metrics

While the top- and bottom-line numbers for Southern First (SFST) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street…

Read source
zacks.com

Southern First (SFST) Q2 Earnings Surpass Estimates

Southern First (SFST) came out with quarterly earnings of $1.2 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $0.81 per share a year ago.

Read source
prnewswire.com

Southern First Reports Second Quarter 2026 Results

GREENVILLE, S.C., July 21, 2026 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST) (Southern First), today announced its financial results for the three months ended June 30, 2026.

Read source
gurufocus.com

Southern First Appoints Bryan Kennedy to Board of Directors

Southern First Appoints Bryan Kennedy to Board of Directors PR Newswire GREENVILLE, S.C., June 3, 2026

Read source

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ETFs holding SFST

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
17.53M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
15.28M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
9.66M
Weight
0.24%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
9.42M
Weight
0.03%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
6.45M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
5.55M
Weight
0.04%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
3.22M
Weight
0.02%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
2.86M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%

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