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SFST Stock Chart & Stats
$61.96
$0.94(1.55%)
At close: 4:00 PM EDT
$61.96
$0.94(1.55%)
Day’s Range― - ―
52-Week Range$40.91 - $65.09
Previous Close$61.49
Volume157.97K
Average Volume (3M)80.21K
Market Cap
$568.97M
Enterprise Value$798.73M
Total Cash (Recent Filing)$174.49M
Total Debt (Recent Filing)$280.23M
Price to Earnings (P/E)12.1
Beta0.81
Next Earnings
Jan 26, 2027EPS Estimate
1.36Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.73
Shares Outstanding9,471,755
10 Day Avg. Volume60,984
30 Day Avg. Volume80,210
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)1.12
Price to Sales (P/S)1.85
P/FCF Ratio13.88
Enterprise Value/Market Cap1.40
Enterprise Value/Revenue3.77
Enterprise Value/Gross Profit6.20
Enterprise Value/Ebitda14.57
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5
Revenue Forecast (FY)$146.40M
Bulls Say, Bears Say
Bulls Say
Improving Profitability And MarginsImproving revenue, net interest margin and net income indicate stronger operating performance rather than reliance on a single isolated metric. Sustained margin expansion and expense discipline can support earnings resilience and improve the bank’s ability to fund growth internally over the next several quarters.
Strong Loan And Retail Deposit GrowthGrowth in both loans and retail deposits shows continued customer activity and expansion in the bank’s served markets. The increase in retail funding, alongside loan growth, supports a more durable banking franchise and can reduce reliance on less stable wholesale funding.
Solid Cash Generation And Improving Capital CushionFree cash flow that closely tracks net income suggests reported profitability is converting effectively into cash. That conversion strengthens internal funding capacity, supports capital management and provides greater flexibility to absorb operating needs while continuing to pursue measured balance-sheet growth.
Bears Say
Uneven Revenue TrendThe decline in TTM revenue from 2025 shows that improved earnings have not been accompanied by consistently rising top-line performance. Revenue volatility can make future growth less predictable and may limit the sustainability of margin gains if operating leverage weakens.
Meaningful Leverage And Balance-sheet SensitivityAlthough leverage has improved, the remaining debt burden leaves the bank more exposed to changes in credit performance and funding conditions than a lower-leverage peer. That sensitivity can constrain financial flexibility and make downturns more consequential for returns and capital allocation.
Uncertain Operating Cash-flow Coverage IndicatorA zero reported operating cash-flow coverage ratio introduces uncertainty into the interpretation of cash-flow strength, even though aggregate free cash flow is solid. If the measure reflects more than timing or definition noise, it could signal weaker coverage of obligations and reduce confidence in cash durability.
Southern First Bancshares News
SFST FAQ
What was Southern First Bancshares’s price range in the past 12 months?
Southern First Bancshares lowest stock price was $40.91 and its highest was $65.09 in the past 12 months.
What is Southern First Bancshares’s market cap?
Southern First Bancshares’s market cap is $568.97M.
When is Southern First Bancshares’s upcoming earnings report date?
Southern First Bancshares’s upcoming earnings report date is Jan 26, 2027 which is in 96 days.
How were Southern First Bancshares’s earnings last quarter?
Southern First Bancshares released its earnings results on Oct 20, 2026. The company reported $1.28 earnings per share for the quarter, beating the consensus estimate of $1.255 by $0.025.
Is Southern First Bancshares overvalued?
According to Wall Street analysts Southern First Bancshares’s price is currently Overvalued.
Does Southern First Bancshares pay dividends?
Southern First Bancshares does not currently pay dividends.
What is Southern First Bancshares’s EPS estimate?
Southern First Bancshares’s EPS estimate is 1.36.
How many shares outstanding does Southern First Bancshares have?
Southern First Bancshares has 9,471,755 shares outstanding.
What happened to Southern First Bancshares’s price movement after its last earnings report?
Southern First Bancshares reported an EPS of $1.28 in its last earnings report, beating expectations of $1.255. Following the earnings report the stock price went up 3.044%.
Which hedge fund is a major shareholder of Southern First Bancshares?
Currently, no hedge funds are holding shares in SFST
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Southern First Bancshares Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
SFST Sentiment 60%
Sector Average 61%
Sector Average 61%
Hedge Fund Trend
Increased
By 64.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.2M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.17%
12-Months-Change
Fundamentals
Return on Equity
10.39%
Trailing 12-Months
Asset Growth
11.98%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Southern First Bancshares
Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credit. Complementary services include online and mobile banking, cash management, safe deposit boxes, direct deposit, automated drafts, and bill payment. The company operates eight retail branches in South Carolina (Greenville, Charleston, and Columbia), three in North Carolina (Raleigh, Greensboro, and Charlotte areas), and one in Atlanta, Georgia. Founded in 1999, Southern First Bancshares, Inc. is based in Greenville, South Carolina.
Technical Analysis
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Ownership Overview
5.16% Insiders
22.25% Mutual Funds
0.82% Other Institutional Investors
53.96% Public Companies and
Individual Investors