SFST Stock Analysis: Southern First Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 579m USD | 12M Return: 54.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.21M
EPS Trend: 79.1%
Qual. Beats: 0
Rev. Trend: 82.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Southern First Bancshares, Inc. operates as the holding company for Southern First Bank, a regional community bank providing commercial, consumer, and mortgage loans to customers across South Carolina, North Carolina, and Georgia. Incorporated in 1999 and headquartered in Greenville, South Carolina, the company serves as a locally-focused lender competing primarily through relationship banking rather than national scale.
The banks deposit offerings include checking, savings, money market, and certificate of deposit accounts. Its loan portfolio is diversified across commercial real estate, construction loans, commercial business loans (serving manufacturing, service, and professional sectors), consumer real estate, home equity, and other consumer loans. The company complements its core lending and deposit operations with internet and mobile banking, cash management, safe deposit boxes, and bill payment services.
As a small-cap regional bank, Southern First follows the typical community banking model of concentrating on local market knowledge and personalized service, with a loan mix spanning both consumer and commercial segments to balance risk across business cycles.
- Net interest margin compresses as Fed cuts rates
- CRE loan concentration raises regulatory scrutiny risk
- Loan growth in Southeast markets drives net interest income
| Net Income: 35.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.11 > 1.0 |
| NWC/Revenue: -1.83k% < 20% (prev -1.66k%; Δ -163.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 33.6m > Net Income 35.0m |
| Net Debt (150.3m) to EBITDA (49.4m): 3.04 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.29m) vs 12m ago 2.25% < -2% |
| Gross Margin: 59.27% > 18% (prev 45.32%; Δ 13.95% > 0.5%) |
| Asset Turnover: 4.64% > 50% (prev 5.02%; Δ -0.38% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBIT TTM 45.2m / Interest Expense TTM 104.6m) |
| A: -0.82 (Total Current Assets 114.6m - Total Current Liabilities 3.87b) / Total Assets 4.58b |
| B: 0.06 (Retained Earnings 261.3m / Total Assets 4.58b) |
| C: 0.01 (EBIT TTM 45.2m / Avg Total Assets 4.43b) |
| D: 0.09 (Book Value of Equity 379.4m / Total Liabilities 4.20b) |
| Altman-Z'' = -5.04 = D |
As of July 08, 2026, the stock is trading at USD 61.12 with a total of 100,923 shares traded. Over the past week, the price has changed by +0.20%, over one month by +2.36%, over three months by +8.93% and over the past year by +54.34%.
Current recommended Stop Loss: 57.00 (which is 6.7% or 2.3 ATR below the current price).
Southern First Bancshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy SFST.
- StrongBuy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 66.5 | 8.8% |
P/E Trailing = 14.3638
P/E Forward = 18.622
P/S = 4.7465
P/B = 1.5573
P/EG = 2.31
Revenue TTM = 205.7m USD
EBIT TTM = 45.2m USD
EBITDA TTM = 49.4m USD
Long Term Debt = 264.9m USD (from longTermDebt, last quarter)
Short Term Debt = 2.21m USD (from shortTermDebt, two quarters ago)
Debt = 264.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 150.3m USD (calculated: Debt 264.9m - CCE 114.6m)
Enterprise Value = 728.9m USD (578.6m + Debt 264.9m - CCE 114.6m)
Interest Coverage Ratio = 0.43 (Ebit TTM 45.2m / Interest Expense TTM 104.6m)
EV/FCF = 22.14x (Enterprise Value 728.9m / FCF TTM 32.9m)
FCF Yield = 4.52% (FCF TTM 32.9m / Enterprise Value 728.9m)
FCF Margin = 16.01% (FCF TTM 32.9m / Revenue TTM 205.7m)
Net Margin = 17.01% (Net Income TTM 35.0m / Revenue TTM 205.7m)
Gross Margin = 59.27% ((Revenue TTM 205.7m - Cost of Revenue TTM 83.8m) / Revenue TTM)
Gross Margin QoQ = none% (prev 54.12%)
Tobins Q-Ratio = 0.16 (Enterprise Value 728.9m / Total Assets 4.58b)
Interest Expense / Debt = 39.49% (Interest Expense 104.6m / Debt 264.9m)
Taxrate = 22.56% (10.2m / 45.2m)
NOPAT = 35.0m (EBIT 45.2m * (1 - 22.56%))
Current Ratio = 0.03 (Total Current Assets 114.6m / Total Current Liabilities 3.87b)
Debt / Equity = 0.70 (Debt 264.9m / totalStockholderEquity, last quarter 379.4m)
Debt / EBITDA = 3.04 (Net Debt 150.3m / EBITDA 49.4m)
Debt / FCF = 4.57 (Net Debt 150.3m / FCF TTM 32.9m)
Total Stockholder Equity = 362.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.79% (Net Income 35.0m / Total Assets 4.58b)
RoE = 9.65% (Net Income TTM 35.0m / Total Stockholder Equity 362.5m)
RoCE = 7.20% (EBIT 45.2m / Capital Employed (Equity 362.5m + L.T.Debt 264.9m))
RoIC = 5.04% (NOPAT 35.0m / Invested Capital 694.7m)
WACC = 15.31% (E(578.6m)/V(843.5m) * Re(8.32%) + D(264.9m)/V(843.5m) * Rd(39.49%) * (1-Tc(0.23)))
Discount Rate = 8.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 13.48 | Cagr: 1.16%
[DCF] Terminal Value 53.59% ; FCFF base≈33.9m ; Y1≈32.1m ; Y5≈30.1m
[DCF] Fair Price = 7.39 (EV 220.2m - Net Debt 150.3m = Equity 69.8m / Shares 9.46m; r=15.31% [WACC]; 5y FCF grow -7.03% → 2.50% )
EPS Correlation: 79.13 | EPS CAGR: 34.31% | SUE: -0.39 | # QB: 0
Revenue Correlation: 82.36 | Revenue CAGR: 10.54% | SUE: 0.01 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.19 | Chg30d=+0.00% | Revisions=-25% | Analysts=2
EPS next Quarter (2026-09-30): EPS=1.28 | Chg30d=-2.29% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=5.04 | Chg30d=-1.85% | Revisions=-25% | GrowthEPS=+34.5% | GrowthRev=+25.9%
EPS next Year (2027-12-31): EPS=6.17 | Chg30d=-6.31% | Revisions=+25% | GrowthEPS=+22.2% | GrowthRev=+18.5%
[Analyst] Revisions Ratio: -29% (up=1, down=3)