SFST

Southern First Bancshares Inc

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Advanced Chart

44.390

-0.16(-0.359%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

44.950

Open

44.250

VWAP

44.42

Vol

18.50K

Mkt Cap

363.14M

Low

43.8102

Amount

821.58K

EV/EBITDA(TTM)

17.88

Total Shares

8.16M

608.67M

EV/OCF(TTM)

2.78

P/S(TTM)

3.85

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

0.920

+41.54%

0.950

+35.71%

0.890

+64.81%

Estimates Revision

The market is revising No Change the revenue expectations for Southern First Bancshares, Inc. (SFST) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 24.20%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+24.20%

In Past 3 Month

2 Analyst Rating

Wall Street analysts forecast SFST stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SFST is 50.00 USD with a low forecast of 49.00 USD and a high forecast of 51.00 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.

2 Buy

0 Hold

0 Sell

Moderate Buy

Current: 44.390

Low

49.00

Averages

50.00

High

51.00

Current: 44.390

Low

49.00

Averages

50.00

High

51.00

Piper Sandler

Stephen Scouten

Overweight

upgrade

$43 -> $51

2025-07-23

Reason

Piper Sandler

Stephen Scouten

Price Target

$43 -> $51

2025-07-23

upgrade

Overweight

Reason

Piper Sandler analyst Stephen Scouten raised the firm's price target on Southern First Bancshares to $51 from $43 and keeps an Overweight rating on the shares. The firm notes the company reported strong Q2 results, characterized by robust revenue growth on 9 bps of net interest margin expansion, 6.8% loan growth, and 11.4% AEA growth.

Piper Sandler

Overweight

initiated

$43

2025-06-10

Reason

Piper Sandler

Price Target

$43

2025-06-10

initiated

Overweight

Reason

Piper Sandler assumed coverage of Southern First Bancshares with an Overweight rating and $43 price target. Southern First has had "significant struggles" over the past two years as the bank was structured to thrive in a zero rate environment, the analyst tells investors in a research note. Piper believes that "now that the pain has been endured," the company is on a path to an improved balance sheet construction, while also benefiting from fixed rate loan re-pricings and a liability-sensitive balance sheet as rates eventually decline.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Southern First Bancshares Inc (SFST.O) is 11.91, compared to its 5-year average forward P/E of 13.63. 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.

Fair

5Y Average PE

13.63

Current PE

11.91

Overvalued PE

17.55

Undervalued PE

9.71

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.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

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.

Fair

5Y Average PS

2.64

Current PS

2.91

Overvalued PS

3.89

Undervalued PS

1.40