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SFST Overview

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$
0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
57.220
Open
56.390
VWAP
56.60
Vol
252.73K
Mkt Cap
539.61M
Low
55.500
Amount
14.30M
EV/EBITDA(TTM)
14.51
Total Shares
9.46M
EV
765.36M
EV/OCF(TTM)
2.67
P/S(TTM)
4.01
Southern First Bancshares, Inc. is a bank holding company. The Company’s primary business is to serve as the holding company for Southern First Bank (the Bank). The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the FDIC), and providing commercial, consumer and mortgage loans to the general public. The Company, through the Bank, provides a range of financial services to individuals and companies in South Carolina, North Carolina, and Georgia. These services include demand, time, and savings deposits; lending services; automated teller machine (ATM) processing, and mortgage banking services. In addition to deposit and loan services, it offers other bank services such as Internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment and mobile banking services. The Bank has approximately eight retail offices.
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Events Timeline

(ET)
2026-04-21
08:40:00
Company Q1 Net Interest Margin Rises to 2.88%
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2026-04-15 (ET)
2026-04-15
16:10:00
Southern First Bancshares Launches Underwritten Public Offering
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2026-02-06 (ET)
2026-02-06
16:50:00
Southern First Bancshares Files $125M Mixed Securities Shelf
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2026-01-22 (ET)
2026-01-22
07:30:00
Company Reports Q4 Revenue of $31.8M
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2025-10-28 (ET)
2025-10-28
07:16:50
Southern First Bancshares announces Q3 earnings per share of $1.07, up from 54 cents last year.
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2025-07-22 (ET)
2025-07-22
07:19:35
Southern First Bancshares reports Q2 EPS 81c vs. 37c last year
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News

Yahoo Finance
6.5
05-13Yahoo Finance
Endeavour Capital Increases Stake in National Bank Holdings
  • Stake Increase: Endeavour Capital Advisors disclosed in its SEC filing on May 11, 2026, that it increased its stake in National Bank Holdings Corporation (NYSE:NBHC) by 400,478 shares, with an estimated transaction value of $16.05 million, indicating confidence in the bank's future growth prospects.
  • Ownership Proportion Rise: Following this purchase, Endeavour's stake in National Bank now stands at 5.11%, making it the fourth largest holding in its portfolio, reflecting a continued focus on regional banks as part of its investment strategy.
  • Strong Profitability: National Bank reported a net margin of 26.34% for Q1 2026, despite a weaker performance in Q4 2025, showcasing robust profitability metrics that have attracted investor interest.
  • Shareholder-Friendly Dividend: The bank has raised its dividend five times in the past five years, including a 6.7% increase over the last year, appealing to income-focused investors and enhancing its market attractiveness.
NASDAQ.COM
9.5
04-21NASDAQ.COM
Southern First Bancshares Reports Q1 Profit Growth
  • Significant Profit Growth: Southern First Bancshares reported a net profit of $9.89 million for Q1, translating to an EPS of $1.19, which is a substantial increase from last year's $5.27 million and $0.65 per share, indicating enhanced profitability.
  • Strong Revenue Increase: The company's revenue surged by 27.5% year-over-year to $33.80 million, up from $26.50 million last year, reflecting robust business expansion and strong market demand.
  • Improved Profitability: With effective cost management and revenue growth, the EPS rose to $1.19, demonstrating the company's proactive efforts to enhance shareholder returns.
  • Optimistic Market Outlook: As economic recovery and loan demand rise, Southern First Bancshares' financial performance lays a solid foundation for future growth, boosting investor confidence in its long-term development.
seekingalpha
8.5
04-21seekingalpha
Southern First Bancshares Reports Strong Q1 Earnings
  • Earnings Per Share Growth: Southern First Bancshares reported a GAAP EPS of $1.19 for Q1, indicating a significant improvement in profitability and reflecting the company's robust performance in a competitive market environment.
  • Net Interest Income Increase: The net interest income rose by $6.9 million, or 29% year-over-year, primarily driven by increased new loan volume, which provides strong support for the company's overall revenue structure.
  • Return on Assets Improvement: The return on average assets reached 0.91%, a notable increase from 0.52% in the same quarter last year, indicating enhanced effectiveness in asset management and profitability.
  • Public Offering Pricing: Southern First Bancshares successfully priced a public offering of 1.05 million shares at $54 each, further strengthening its capital base and providing funding for future expansion and investments.
PRnewswire
9.5
04-21PRnewswire
Southern First Bancshares Reports Strong Q1 Growth with 29% Net Interest Income Increase
  • Net Interest Income Surge: Southern First Bancshares reported a 29% year-over-year increase in net interest income to $30.26 million for Q1, driven by strong loan growth and margin expansion, enhancing the company's profitability in a competitive market.
  • Significant Net Income Growth: The bank's net income reached $9.89 million in Q1, an 88% increase from Q1 2025, with diluted earnings per share at $1.19, reflecting strong momentum in client relationships and capital raising efforts.
  • Record Retail Deposit Growth: Retail deposits surged by nearly $210 million, achieving a 27% annualized growth rate, which not only improved the bank's liquidity but also provided funding for future organic growth, further solidifying its market position.
  • Successful Public Offering: Southern First completed a public offering of 1,050,000 shares of common stock, raising approximately $65.2 million in gross proceeds, with plans to use the net proceeds for supporting organic growth and debt repayment, demonstrating confidence in future development.
Newsfilter
9.5
04-21Newsfilter
Southern First Bancshares Reports 88% Increase in Q1 Net Income
  • Strong Loan Growth: Southern First Bancshares reported total loans of $3.942 billion in Q1, reflecting a $97.1 million increase from the previous quarter and an annualized growth rate of 10%, indicating significant progress in expanding its customer base and market share.
  • Significant Net Interest Income Increase: The bank's net interest income reached $30.259 million in Q1, a 29% year-over-year increase primarily driven by new loan volume, which will further enhance the company's profitability and competitive position in the market.
  • Record Retail Deposit Growth: The company reported a nearly $210 million increase in retail deposits for Q1, representing a 27% annualized growth rate, which not only boosts liquidity but also provides funding support for future loan growth.
  • Capital Market Activity: Southern First completed a public offering of 1,050,000 shares on April 15, raising approximately $65.2 million in gross proceeds, with plans to use the funds for organic growth initiatives and debt repayment, demonstrating confidence in future expansion.
PRnewswire
8.5
04-17PRnewswire
Southern First Bancshares Completes Public Offering of 1.2 Million Shares
  • Offering Size: Southern First Bancshares successfully closed its public offering of 1,207,500 shares of common stock, including 157,500 shares from the underwriters' full exercise of their option, at a price of $54.00 per share, raising approximately $65.2 million, indicating strong market demand for its stock.
  • Use of Proceeds: The company intends to utilize the net proceeds for general corporate purposes, which may include supporting organic growth initiatives, providing capital to its bank subsidiary, redeeming or repurchasing outstanding debt, and for working capital, thereby enhancing its financial flexibility and competitive position.
  • Underwriter Role: Piper Sandler & Co. served as the sole book-running manager for the offering, with Keefe, Bruyette & Woods acting as co-manager, reflecting the company's strategic engagement with experienced capital market professionals to optimize its fundraising efforts.
  • Market Positioning: As the second-largest bank headquartered in South Carolina with approximately $4.4 billion in assets, Southern First Bancshares is expected to solidify its market position through this offering, which is anticipated to drive future business expansion and profitability improvements.

Valuation Metrics

The current forward P/E ratio for Southern First Bancshares Inc (SFST.O) is 18.62, compared to its 5-year average forward P/E of 14.43. For a more detailed relative valuation and DCF analysis to assess Southern First Bancshares Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
14.43
Current PE
18.62
Overvalued PE
18.24
Undervalued PE
10.62

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
1.32
Current EV/EBITDA
8.96
Overvalued EV/EBITDA
6.19
Undervalued EV/EBITDA
-3.55

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.65
Current PS
3.03
Overvalued PS
3.87
Undervalued PS
1.44

Financials

AI Analysis
Annual
Quarterly

Whales Holding SFST

A
Azora Capital LP
Holding
SFST
+5.82%
3M Return

Trading Trends

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Frequently Asked Questions

What is Southern First Bancshares Inc (SFST) stock price today?

The current price of SFST is 57.07 USD — it has increased 1.21

What is Southern First Bancshares Inc (SFST)'s business?

Southern First Bancshares, Inc. is a bank holding company. The Company’s primary business is to serve as the holding company for Southern First Bank (the Bank). The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the FDIC), and providing commercial, consumer and mortgage loans to the general public. The Company, through the Bank, provides a range of financial services to individuals and companies in South Carolina, North Carolina, and Georgia. These services include demand, time, and savings deposits; lending services; automated teller machine (ATM) processing, and mortgage banking services. In addition to deposit and loan services, it offers other bank services such as Internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment and mobile banking services. The Bank has approximately eight retail offices.

What is the price predicton of SFST Stock?

Wall Street analysts forecast SFST stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for SFST is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Southern First Bancshares Inc (SFST)'s revenue for the last quarter?

Southern First Bancshares Inc revenue for the last quarter amounts to 31.27M USD, increased 28.89

What is Southern First Bancshares Inc (SFST)'s earnings per share (EPS) for the last quarter?

Southern First Bancshares Inc. EPS for the last quarter amounts to 1.19 USD, increased 83.08

How many employees does Southern First Bancshares Inc (SFST). have?

Southern First Bancshares Inc (SFST) has 315 emplpoyees as of May 23 2026.

What is Southern First Bancshares Inc (SFST) market cap?

Today SFST has the market capitalization of 539.61M USD.