SFST Stock Analysis: Southern First Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 576m USD | 12M Return: 40.5% | US8428731017 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.89M
EPS Trend: 93.7%
Qual. Beats: 0
Rev. Trend: 74.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 39.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.14 > 1.0 |
| NWC/Revenue: -1.82k% < 20% (prev -1.64k%; Δ -179.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 41.2m > Net Income 39.6m |
| Net Debt (105.7m) to EBITDA (55.0m): 1.92 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.32m) vs 12m ago 14.57% < -2% |
| Gross Margin: 60.86% > 18% (prev 47.48%; Δ 13.39% > 0.5%) |
| Asset Turnover: 4.70% > 50% (prev 5.03%; Δ -0.33% > 0%) |
| Interest Coverage Ratio: 0.49 > 6 (EBIT TTM 51.0m / Interest Expense TTM 103.4m) |
| A: -0.82 (Total Current Assets 30.1m - Total Current Liabilities 3.87b) / Total Assets 4.70b |
| B: 0.06 (Retained Earnings 272.5m / Total Assets 4.70b) |
| C: 0.01 (EBIT TTM 51.0m / Avg Total Assets 4.50b) |
| D: 0.11 (Book Value of Equity 452.3m / Total Liabilities 4.25b) |
| Altman-Z'' = -4.99 = D |
As of September 03, 2026, the stock is trading at USD 62.57 with a total of 76,519 shares traded. Over the past week, the price has changed by +0.97%, over one month by -1.39%, over three months by +7.47% and over the past year by +40.45%.
Current recommended Stop Loss: 60.70 (which is 3% or 1.3 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 | 68.5 | 9.5% |
P/E Trailing = 13.1866
P/E Forward = 18.622
P/S = 4.4699
P/B = 1.2995
P/EG = 2.31
Revenue TTM = 211.6m USD
EBIT TTM = 51.0m USD
EBITDA TTM = 55.0m USD
Long Term Debt = 253.4m USD (from longTermDebt, last quarter)
Short Term Debt = 1.11m USD (from shortTermDebt, last quarter)
Debt = 280.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 105.7m USD (calculated: Debt 280.2m - CCE 174.5m)
Enterprise Value = 681.5m USD (575.8m + Debt 280.2m - CCE 174.5m)
Interest Coverage Ratio = 0.49 (Ebit TTM 51.0m / Interest Expense TTM 103.4m)
EV/FCF = 17.36x (Enterprise Value 681.5m / FCF TTM 39.3m)
FCF Yield = 5.76% (FCF TTM 39.3m / Enterprise Value 681.5m)
FCF Margin = 18.55% (FCF TTM 39.3m / Revenue TTM 211.6m)
Net Margin = 18.71% (Net Income TTM 39.6m / Revenue TTM 211.6m)
Gross Margin = 60.86% ((Revenue TTM 211.6m - Cost of Revenue TTM 82.8m) / Revenue TTM)
Gross Margin QoQ = 56.54% (prev none%)
Tobins Q-Ratio = 0.14 (Enterprise Value 681.5m / Total Assets 4.70b)
Interest Expense / Debt = 36.88% (Interest Expense 103.4m / Debt 280.2m)
Taxrate = 22.42% (11.4m / 51.0m)
NOPAT = 39.6m (EBIT 51.0m * (1 - 22.42%))
Current Ratio = 0.01 (Total Current Assets 30.1m / Total Current Liabilities 3.87b)
Debt / Equity = 0.62 (Debt 280.2m / totalStockholderEquity, last quarter 452.3m)
Debt / EBITDA = 1.92 (Net Debt 105.7m / EBITDA 55.0m)
Debt / FCF = 2.69 (Net Debt 105.7m / FCF TTM 39.3m)
Total Stockholder Equity = 389.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.88% (Net Income 39.6m / Total Assets 4.70b)
RoE = 10.18% (Net Income TTM 39.6m / Total Stockholder Equity 389.2m)
RoCE = 7.94% (EBIT 51.0m / Capital Employed (Equity 389.2m + L.T.Debt 253.4m))
RoIC = 0.84% (NOPAT 39.6m / Invested Capital 4.69b)
WACC = 15.17% (E(575.8m)/V(856.0m) * Re(8.63%) + D(280.2m)/V(856.0m) * Rd(36.88%) * (1-Tc(0.22)))
Discount Rate = 8.63% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 56.92 | Cagr: 6.19%
[DCF] Terminal Value 54.07% ; FCFF base≈40.3m ; Y1≈38.3m ; Y5≈36.4m
[DCF] Fair Price = 17.18 (EV 268.4m - Net Debt 105.7m = Equity 162.7m / Shares 9.47m; r=15.17% [WACC]; 5y FCF grow -6.40% → 2.50% )
EPS Correlation: 93.73 | EPS CAGR: 50.67% | SUE: 0.10 | # QB: 0
Revenue Correlation: 74.07 | Revenue CAGR: 6.34% | SUE: 0.37 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.25 | Chg30d=-1.95% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=5.00 | Chg30d=-0.89% | Revisions=-25% | GrowthEPS=+33.3% | GrowthRev=+24.0%
EPS next Year (2027-12-31): EPS=6.17 | Chg30d=+0.16% | Revisions=+25% | GrowthEPS=+23.5% | GrowthRev=+17.7%
[Analyst] Revisions Ratio: -17% (up=1, down=2)