
SFST Valuation
Southern First Bancshares Inc
- Overview
- Forecast
- Valuation
- Earnings
SFST Relative Valuation
SFST's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SFST is overvalued; if below, it's undervalued.
Historical Valuation
Southern First Bancshares Inc (SFST) is now in the Fair zone, suggesting that its current forward PE ratio of 11.15 is considered Fairly compared with the five-year average of 13.63. The fair price of Southern First Bancshares Inc (SFST) is between 36.65 to 60.27 according to relative valuation methord.
Relative Value
Fair Zone
36.65-60.27
Current Price:41.96
Fair
11.22
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Southern First Bancshares Inc. (SFST) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Southern First Bancshares Inc. (SFST) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
2.69
PS
Southern First Bancshares Inc. (SFST) has a current PS of 2.69. The 5-year average PS is 2.64. The thresholds are as follows: Strongly Undervalued below 0.16, Undervalued between 0.16 and 1.40, Fairly Valued between 3.88 and 1.40, Overvalued between 3.88 and 5.12, and Strongly Overvalued above 5.12. The current Forward PS of 2.69 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Southern First Bancshares Inc. (SFST) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Southern First Bancshares Inc. (SFST) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Southern First Bancshares Inc (SFST) has a current Price-to-Book (P/B) ratio of 0.99. Compared to its 3-year average P/B ratio of 0.90 , the current P/B ratio is approximately 9.69% higher. Relative to its 5-year average P/B ratio of 1.12, the current P/B ratio is about -12.07% higher. Southern First Bancshares Inc (SFST) has a Forward Free Cash Flow (FCF) yield of approximately 12.28%. Compared to its 3-year average FCF yield of 9.75%, the current FCF yield is approximately 25.98% lower. Relative to its 5-year average FCF yield of 9.26% , the current FCF yield is about 32.72% lower.
0.99
P/B
Median3y
0.90
Median5y
1.12
12.29
FCF Yield
Median3y
9.75
Median5y
9.26
Competitors Valuation Multiple
The average P/S ratio for SFST's competitors is 2.43, providing a benchmark for relative valuation. Southern First Bancshares Inc Corp (SFST) exhibits a P/S ratio of 2.69, which is 10.47% above the industry average. Given its robust revenue growth of 25.70%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap

SFST.O
Southern First Bancshares Inc
2.69
Average P/S: 2.43
25.70%
346.62M

USCB.O
USCB Financial Holdings Inc
3.34
18.92%
333.10M

FMAO.O
Farmers & Merchants Bancorp Inc
3.22
18.99%
338.30M

RBB.O
RBB Bancorp
2.61
13.69%
336.22M

OBT.O
Orange County Bancorp Inc
2.75
11.80%
337.95M

PBFS.O
Pioneer Bancorp Inc
Loss
67.20%
321.24M
Performance Decomposition
1Y
3Y
5Y
Market capitalization of SFST increased by 30.45% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 14.37 to 25.08.
The secondary factor is the Revenue Growth, contributed 25.70%to the performance.
Overall, the performance of SFST in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ

Is Southern First Bancshares Inc (SFST) currently overvalued or undervalued?
Southern First Bancshares Inc (SFST) is now in the Fair zone, suggesting that its current forward PE ratio of 11.15 is considered Fairly compared with the five-year average of 13.63. The fair price of Southern First Bancshares Inc (SFST) is between 36.65 to 60.27 according to relative valuation methord.

What is Southern First Bancshares Inc (SFST) fair value?

How does SFST's valuation metrics compare to the industry average?

What is the current P/B ratio for Southern First Bancshares Inc (SFST) as of Aug 22 2025?

What is the current FCF Yield for Southern First Bancshares Inc (SFST) as of Aug 22 2025?

What is the current Forward P/E ratio for Southern First Bancshares Inc (SFST) as of Aug 22 2025?
