SFST Stock - Southern First Bancshares, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $213.32M | $187.46M | $127.64M | $110.26M | $122.17M |
| Gross Profit | $93.33M | $86.25M | $101.44M | $117.23M | $77.56M |
| Gross Margin | 43.8% | 46.0% | 79.5% | 106.3% | 63.5% |
| Operating Income | $19.91M | $17.43M | $38.11M | $60.80M | $23.82M |
| Net Income | $15.53M | $13.43M | $29.11M | $46.71M | $18.33M |
| Net Margin | 7.3% | 7.2% | 22.8% | 42.4% | 15.0% |
| EPS | $1.92 | $1.67 | $3.66 | $5.96 | $2.37 |
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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| January 3rd 2024 | Piper Sandler | Upgrade | Overweight | $44← $34 |
| December 5th 2022 | Piper Sandler | Initiation | Neutral | $51 |
| August 1st 2022 | DA Davidson | Downgrade | Neutral | $50← $52 |
Earnings History & Surprises
SFSTEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $1.11 | — | — | — |
Q4 2025 | Oct 28, 2025 | $0.89 | $1.07 | +20.2% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $0.65 | $0.81 | +24.6% | ✓ BEAT |
Q2 2025 | Apr 22, 2025 | $0.61 | $0.65 | +6.6% | ✓ BEAT |
Q1 2025 | Jan 28, 2025 | $0.41 | $0.70 | +70.7% | ✓ BEAT |
Q4 2024 | Oct 22, 2024 | $0.38 | $0.54 | +42.1% | ✓ BEAT |
Q3 2024 | Jul 18, 2024 | $0.29 | $0.37 | +27.6% | ✓ BEAT |
Q2 2024 | Apr 18, 2024 | $0.32 | $0.31 | -3.1% | ✗ MISS |
Q1 2024 | Jan 23, 2024 | $0.38 | $0.68 | +78.9% | ✓ BEAT |
Q4 2023 | Oct 19, 2023 | $0.32 | $0.51 | +59.4% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $0.32 | $0.31 | -3.1% | ✗ MISS |
Q2 2023 | Apr 25, 2023 | $0.64 | $0.33 | -48.4% | ✗ MISS |
Q1 2023 | Jan 24, 2023 | $1.02 | $0.68 | -33.3% | ✗ MISS |
Q4 2022 | Oct 25, 2022 | $1.02 | $1.04 | +2.0% | ✓ BEAT |
Q3 2022 | Jul 26, 2022 | $1.08 | $0.90 | -16.7% | ✗ MISS |
Q2 2022 | Apr 26, 2022 | $1.08 | $0.98 | -9.3% | ✗ MISS |
Q1 2022 | Jan 25, 2022 | $1.19 | $1.49 | +25.2% | ✓ BEAT |
Q4 2021 | Oct 26, 2021 | $1.16 | $1.75 | +50.9% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $1.14 | $1.29 | +13.2% | ✓ BEAT |
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