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SFST Stock Chart & Stats
$57.78
-$0.26(-0.73%)
At close: 4:00 PM EST
$57.78
-$0.26(-0.73%)
Day’s Range― - ―
52-Week Range$38.30 - $64.06
Previous CloseN/A
Volume3.21K
Average Volume (3M)17.98K
Market Cap
$602.20M
Enterprise Value$711.77
Total Cash (Recent Filing)$114.58M
Total Debt (Recent Filing)$264.90M
Price to Earnings (P/E)14.4
Beta0.85
Next Earnings
Jul 28, 2026EPS Estimate
1.19Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.32
Shares Outstanding9,455,165
10 Day Avg. Volume14,806
30 Day Avg. Volume17,982
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$67.00Price Target Upside15.96% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.05
Revenue Forecast (FY)$148.70M
Bulls Say, Bears Say
Bulls Say
Capital StrengthThe $65M equity raise and reported tangible common equity/CET1 ratios materially improve regulatory and economic capital. Stronger capital provides durable capacity for organic loan growth, loss absorption and regulatory compliance, reducing the need for emergency funding over multiple quarters.
Improving ProfitabilityA materially higher TTM net margin and improving ROE indicate lasting gains in loan pricing, net interest margin or cost control. Sustained profitability lifts internal capital generation, supports reinvestment and makes earnings less dependent on external capital over the medium term.
Solid Cash GenerationConsistent operating cash flow and FCF near parity with earnings reflect high-quality earnings and reliable liquidity. This durable cash generation supports funding for loan growth, branch/digital investments and capital planning without overreliance on volatile external financing.
Bears Say
Top-line PressureAn ~8.4% decline in TTM revenue signals structural top-line weakness that can persist if not addressed. Sustained revenue contraction undermines scale economics, pressures future margin expansion needs and may force reliance on cost cuts or capital actions to hit return targets.
Profitability And Leverage VolatilityHistoric inconsistency in leverage and returns increases earnings sensitivity to credit or rate shocks. Variable capital and profitability trends complicate multi-quarter planning, raising the risk of follow-on capital raises or constrained lending in adverse scenarios.
Geographic ConcentrationConcentration in Southeastern community banking markets and modest regional scale limit diversification versus larger peers. This exposure heightens sensitivity to local economic cycles and competitive pressures, which can constrain growth and credit stability over several quarters.
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 $38.30 and its highest was $64.06 in the past 12 months.
What is Southern First Bancshares’s market cap?
Southern First Bancshares’s market cap is $602.20M.
When is Southern First Bancshares’s upcoming earnings report date?
Southern First Bancshares’s upcoming earnings report date is Jul 28, 2026 which is in 9 days.
How were Southern First Bancshares’s earnings last quarter?
Southern First Bancshares released its earnings results on Apr 21, 2026. The company reported $1.19 earnings per share for the quarter, missing the consensus estimate of $1.23 by -$0.04.
Is Southern First Bancshares overvalued?
According to Wall Street analysts Southern First Bancshares’s price is currently Undervalued.
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 1.19.
How many shares outstanding does Southern First Bancshares have?
Southern First Bancshares has 9,455,165 shares outstanding.
What happened to Southern First Bancshares’s price movement after its last earnings report?
Southern First Bancshares reported an EPS of $1.19 in its last earnings report, missing expectations of $1.23. Following the earnings report the stock price went up 0.57%.
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
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10
Analyst Consensus
Hold
Average Price Target:
$67.00 (15.96% Upside)
$67.00 (15.96% Upside)
Blogger Sentiment
Bullish
SFST Sentiment 67%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Increased
By 115.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $46.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.77%
12-Months-Change
Fundamentals
Return on Equity
9.65%
Trailing 12-Months
Asset Growth
6.86%
Trailing 12-Months
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.
SFST Stock 12 Month Forecast
Average Price Target
$67.00
▲(15.96% Upside)
Technical Analysis
West Bancorporation
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Ponce Financial Group Inc
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Ownership Overview
5.43% Insiders
22.29% Mutual Funds
0.18% Other Institutional Investors
56.40% Public Companies and
Individual Investors