Symbols / SFST Stock $58.97 +0.89% Southern First Bancshares, Inc.

Financial Services • Banks - Regional • United States • NGM
SFST (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. R. Arthur Seaver Jr.
Exch · Country NGM · United States
Market Cap 557.57M
Enterprise Value 506.94M
Income 34.99M
Sales 121.89M
FCF (ttm) —
Book/sh 46.00
Cash/sh 36.30
Employees 315
Insider 10d —
IPO Oct 28, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 13.84
Forward P/E 8.96
PEG —
P/S 4.57
P/B 1.28
P/C —
EV/EBITDA —
EV/Sales 4.16
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.26
EPS next Y 6.58
EPS Growth 83.10%
Revenue Growth 26.20%
EPS Gr Q/Q 87.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-04-21
ROA 0.79%
ROE 9.76%
ROIC —
Gross Margin 0.00%
Oper. Margin 41.16%
Profit Margin 28.70%
Shs Outstand 9.46M
Shs Float 7.53M
Insider Own 5.44%
Instit Own 74.31%
Short Float 1.41%
Short Ratio 0.81
Short Interest 126.57K
52W High 62.00
vs 52W High -4.89%
52W Low 34.51
vs 52W Low 70.88%
Beta 0.69
Impl. Vol. 64.45%
Rel Volume 0.84
Avg Volume 131.12K
Volume 110.38K
Target (mean) $66.00
Tgt Median $66.00
Tgt Low $66.00
Tgt High $66.00
# Analysts 1
Recom None
Prev Close $58.45
Price $58.97
Change 0.89%
About

Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. 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 offers other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$66.00
Mean price target
2. Current target
$58.97
Latest analyst target
3. DCF / Fair value
$63.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$58.97
Low
$66.00
High
$66.00
Mean
$66.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-05 main Piper Sandler Overweight → Overweight $64
2025-07-23 main Piper Sandler Overweight → Overweight $51
2024-01-03 up Piper Sandler Neutral → Overweight $44
2022-08-01 down DA Davidson Buy → Neutral $50
2021-03-16 down Janney Montgomery Scott Buy → Neutral $58
2018-06-26 down Piper Sandler Buy → Hold —
2016-11-29 down Keefe, Bruyette & Woods Outperform → Market Perform —
2016-07-27 main Keefe, Bruyette & Woods — → Outperform $30
2015-08-20 main Keefe, Bruyette & Woods — → Outperform $24
2015-02-02 main Keefe, Bruyette & Woods — → Outperform $20
2015-01-28 down Piper Sandler Buy → — —
2013-08-21 init Piper Sandler — → Hold $14
2013-07-18 init Keefe, Bruyette & Woods — → Outperform $16
News
RSS: Latest SFST news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-06-01 HOOPER TECUMSEH JR. Director — 310 $0.00 $0
2026-06-01 CUBBAGE LEIGHTON M Director — 310 $0.00 $0
2026-06-01 ELLISON DAVID GAILLARD Director — 310 $0.00 $0
2026-06-01 ELLEFSON ANNE S Director — 310 $0.00 $0
2026-06-01 COTHRAN MARK A Director — 310 $0.00 $0
2026-06-01 JOHNSTONE RUDOLPH G III Director — 310 $0.00 $0
2026-06-01 ORDERS JAMES B III Director — 310 $0.00 $0
2026-06-01 CAJKA ANDREW B JR Director — 310 $0.00 $0
2026-06-01 KENNEDY BRYAN F III Director — 310 $0.00 $0
2026-06-01 LOCKE ANNA T Director — 310 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
118.09
+26.48%
93.36
+6.68%
87.51
-18.66%
107.59
Operating Revenue
118.09
+26.48%
93.36
+6.68%
87.51
-18.66%
107.59
Selling General And Administration
50.21
+2.51%
48.98
+7.89%
45.40
+8.89%
41.69
Selling And Marketing Expense
1.53
+8.29%
1.41
+4.05%
1.36
+11.60%
1.22
General And Administrative Expense
48.68
+2.34%
47.57
+8.01%
44.04
+8.81%
40.48
Salaries And Wages
44.81
+2.89%
43.55
+8.12%
40.27
+3.83%
38.79
Other Gand A
—
—
—
—
Reconciled Depreciation
4.31
-10.46%
4.81
-0.12%
4.82
+30.23%
3.70
Total Unusual Items
—
0.03
0.00
+100.00%
-0.39
Total Unusual Items Excluding Goodwill
—
0.03
0.00
+100.00%
-0.39
Special Income Charges
—
0.03
0.00
+100.00%
-0.39
Other Special Charges
—
-0.03
—
0.39
Net Income
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Pretax Income
39.60
+98.90%
19.91
+14.26%
17.43
-54.28%
38.11
Net Interest Income
104.95
+29.21%
81.22
+4.59%
77.65
-20.45%
97.62
Interest Expense
106.53
-11.22%
119.99
+20.06%
99.94
+398.70%
20.04
Interest Income
211.48
+5.10%
201.21
+13.30%
177.60
+50.94%
117.66
Gain On Sale Of Security
-0.52
0.00
0.00
-100.00%
0.01
Tax Provision
9.24
+110.84%
4.38
+9.52%
4.00
-55.53%
9.00
Tax Rate For Calcs
0.00
+6.01%
0.00
-4.15%
0.00
-2.72%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
+100.00%
-0.09
Net Income Including Noncontrolling Interests
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Net Income From Continuing Operation Net Minority Interest
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Net Income From Continuing And Discontinued Operation
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Net Income Continuous Operations
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Normalized Income
30.37
+95.53%
15.53
+15.67%
13.43
-54.36%
29.42
Net Income Common Stockholders
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Diluted EPS
3.75
+96.34%
1.91
+15.06%
1.66
-54.02%
3.61
Basic EPS
3.77
+96.35%
1.92
+14.97%
1.67
-54.37%
3.66
Basic Average Shares
8.05
-0.41%
8.08
+0.42%
8.05
+1.12%
7.96
Diluted Average Shares
8.09
-0.32%
8.12
+0.48%
8.08
+0.07%
8.07
Diluted NI Availto Com Stockholders
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Insurance And Claims
3.88
-3.65%
4.02
+6.80%
3.77
+123.37%
1.69
Occupancy And Equipment
9.98
-2.99%
10.29
+0.35%
10.26
+12.63%
9.11
Other Non Interest Expense
12.89
+10.60%
11.65
+9.11%
10.68
+12.39%
9.50
Professional Expense And Contract Services Expense
2.46
+2.12%
2.40
-3.69%
2.50
-5.28%
2.63
Line Item Trend 2023-12-31
Total Assets
4,055.79
Cash And Cash Equivalents
36.82
Cash Financial
28.02
Other Short Term Investments
9.47
Net PPE
94.30
Gross PPE
116.21
Accumulated Depreciation
-21.91
Land And Improvements
11.24
Buildings And Improvements
54.63
Machinery Furniture Equipment
22.27
Construction In Progress
0.13
Other Properties
22.17
Leases
5.76
Investments And Advances
138.58
Long Term Equity Investment
0.40
Total Liabilities Net Minority Interest
3,743.32
Long Term Debt And Capital Lease Obligation
311.32
Long Term Debt
311.32
Stockholders Equity
312.47
Common Stock Equity
312.47
Capital Stock
0.08
Common Stock
0.08
Preferred Stock
0.00
Share Issued
8.09
Ordinary Shares Number
8.09
Treasury Shares Number
0.00
Additional Paid In Capital
121.78
Retained Earnings
205.55
Gains Losses Not Affecting Retained Earnings
-11.34
Other Equity Adjustments
-11.34
Total Equity Gross Minority Interest
312.47
Total Capitalization
623.79
Invested Capital
623.79
Total Debt
311.32
Net Debt
274.50
Net Tangible Assets
312.47
Tangible Book Value
312.47
Available For Sale Securities
128.71
Cash Cash Equivalents And Federal Funds Sold
156.17
Other Equity Interest
-3.60
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
30.46
+19.17%
25.56
+44.78%
17.65
-64.91%
50.30
Cash Flow From Continuing Operating Activities
30.46
+19.17%
25.56
+44.78%
17.65
-64.91%
50.30
Net Income From Continuing Operations
30.37
+95.53%
15.53
+15.67%
13.43
-53.89%
29.11
Depreciation Amortization Depletion
4.31
-10.46%
4.81
-0.12%
4.82
+30.23%
3.70
Depreciation And Amortization
4.31
-10.46%
4.81
-0.12%
4.82
+30.23%
3.70
Other Non Cash Items
-0.67
-108.25%
8.08
+1474.27%
0.51
-95.91%
12.55
Stock Based Compensation
2.27
-0.48%
2.28
+17.50%
1.94
-4.10%
2.03
Asset Impairment Charge
—
—
—
0.00
Operating Gains Losses
-5.82
-6.36%
-5.47
-44.46%
-3.79
-49.68%
-2.53
Gain Loss On Investment Securities
0.52
0.00
0.00
+100.00%
-0.01
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.03
0.00
-100.00%
0.39
Change In Working Capital
-3.38
-879.42%
-0.34
+40.10%
-0.58
+58.97%
-1.40
Change In Other Working Capital
-1.62
-13.62%
-1.42
-24.26%
-1.15
-174.82%
-0.42
Change In Other Current Assets
1.88
+153.19%
-3.53
-155.95%
-1.38
+72.70%
-5.05
Change In Other Current Liabilities
-2.33
-139.98%
5.84
+168.04%
2.18
-46.64%
4.08
Investing Cash Flow
-206.33
-614.94%
-28.86
+92.38%
-378.57
+52.24%
-792.58
Cash Flow From Continuing Investing Activities
-206.33
-614.94%
-28.86
+92.38%
-378.57
+52.24%
-792.58
Net PPE Purchase And Sale
-0.58
+23.25%
-0.76
+39.05%
-1.24
+91.04%
-13.86
Purchase Of PPE
-0.58
+25.99%
-0.79
+36.80%
-1.24
+91.10%
-13.95
Sale Of PPE
0.00
-100.00%
0.03
0.00
-100.00%
0.10
Capital Expenditure
-0.58
+25.99%
-0.79
+36.80%
-1.24
+91.10%
-13.95
Net Investment Purchase And Sale
7.96
+245.55%
2.31
+104.81%
-47.90
-1508.05%
3.40
Purchase Of Investment
-33.03
-16.97%
-28.24
+75.42%
-114.87
-181.54%
-40.80
Sale Of Investment
40.99
+34.22%
30.54
-54.39%
66.96
+51.50%
44.20
Net Other Investing Changes
—
—
—
—
Financing Cash Flow
282.60
+2727.36%
9.99
-97.11%
346.22
-53.59%
745.94
Cash Flow From Continuing Financing Activities
282.60
+2727.36%
9.99
-97.11%
346.22
-53.59%
745.94
Net Issuance Payments Of Debt
0.00
+100.00%
-46.50
-146.50%
100.00
-42.86%
175.00
Issuance Of Debt
0.00
—
100.00
-42.86%
175.00
Repayment Of Debt
0.00
+100.00%
-46.50
0.00
0.00
Long Term Debt Issuance
0.00
—
100.00
-42.86%
175.00
Long Term Debt Payments
0.00
+100.00%
-46.50
0.00
0.00
Net Long Term Debt Issuance
0.00
+100.00%
-46.50
-146.50%
100.00
-42.86%
175.00
Proceeds From Stock Option Exercised
2.04
+594.56%
0.29
-43.24%
0.52
-42.76%
0.91
Net Other Financing Charges
-0.48
—
—
—
Changes In Cash
106.72
+1494.50%
6.69
+145.52%
-14.70
-501.20%
3.67
Beginning Cash Position
162.86
+4.29%
156.17
-8.61%
170.87
+2.19%
167.21
End Cash Position
269.58
+65.53%
162.86
+4.29%
156.17
-8.61%
170.87
Free Cash Flow
29.88
+20.60%
24.77
+50.95%
16.41
-54.86%
36.35
Interest Paid Supplemental Data
106.85
-10.47%
119.35
+27.85%
93.35
+394.52%
18.88
Income Tax Paid Supplemental Data
10.64
+182.45%
3.77
+148.81%
1.51
-87.20%
11.83
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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