SFST Stock Analysis: Southern First Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 567m USD | 12M Return: 45.8% | US8428731017 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.18M
EPS Trend: 93.7%
Qual. Beats: 0
Rev. Trend: 74.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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. (NASDAQ: SFST) is a bank holding company that operates Southern First Bank, a community-focused regional bank serving customers in South Carolina, North Carolina, and Georgia. Founded in 1999 and headquartered in Greenville, SC, the company provides commercial, consumer, and mortgage lending alongside a full suite of deposit products including checking, savings, money market accounts, and certificates of deposit.
The banks loan portfolio is diversified across commercial real estate, construction lending, commercial business loans, and consumer products such as home equity and installment loans. It also offers digital and ancillary services including internet and mobile banking, cash management, and bill payment.
As a regional bank holding company in the Financials sector, SFST operates under a traditional community banking model that generates revenue primarily through net interest income-the spread between interest earned on its loan portfolio and interest paid on deposits-supplemented by non-interest fee income from banking services. Regional banks of this size typically focus on relationship-driven lending in their local markets, where they compete with both larger national banks and smaller community institutions.
- Net interest margin pressured by rising deposit costs
- Commercial real estate loan concentration raises credit risk concerns
- Loan growth accelerates across North Carolina and Georgia metro markets
| 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 (54.8m): 1.93 < 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 October 25, 2026, the stock is trading at USD 61.20 with a total of 77,009 shares traded. Over the past week, the price has changed by +2.32%, over one month by +2.26%, over three months by +1.07% and over the past year by +45.78%.
Current recommended Stop Loss: 57.90 (which is 5.4% or 2.3 ATR below the current price).
Southern First Bancshares has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold SFST.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 68.5 | 11.9% |
P/E Trailing = 12.8901
P/E Forward = 18.622
P/S = 4.3978
P/B = 1.2664
P/EG = 2.31
Revenue TTM = 211.6m USD
EBIT TTM = 51.0m USD
EBITDA TTM = 54.8m 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 = 672.2m USD (566.5m + Debt 280.2m - CCE 174.5m)
Interest Coverage Ratio = 0.49 (Ebit TTM 51.0m / Interest Expense TTM 103.4m)
EV/FCF = 17.12x (Enterprise Value 672.2m / FCF TTM 39.3m)
FCF Yield = 5.84% (FCF TTM 39.3m / Enterprise Value 672.2m)
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 672.2m / 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 = 1.93 (Net Debt 105.7m / EBITDA 54.8m)
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 = 14.85% (E(566.5m)/V(846.7m) * Re(8.04%) + D(280.2m)/V(846.7m) * Rd(36.88%) * (1-Tc(0.22)))
Discount Rate = 8.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 56.92 | Cagr: 6.19%
[DCF] Terminal Value 54.87% ; FCFF base≈40.3m ; Y1≈38.3m ; Y5≈36.4m
[DCF] Fair Price = 17.90 (EV 275.3m - Net Debt 105.7m = Equity 169.6m / Shares 9.47m; r=14.85% [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)