SFST — Southern First Bancshares, Inc. stock price, charts and financials
QT71Southern First Bancshares, Inc.Southern First Bancshares, Inc. (NASDAQ: SFST) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 13.19 | EPS (ttm) | 4.73 | Insider Own | 8.73% | Shs Outstand | 9.46M | Perf Week | 1.48% |
| Market Cap | 590.00M | Forward P/E | 10.12 | EPS next Y | 6.17 | Insider Trans | -0.39% | Shs Float | 7.56M | Perf Month | -0.14% |
| Enterprise Value | 813.30M | PEG | 0.18 | EPS next Q | 1.28 | Inst Own | - | Short Float | 5.09% | Perf Quarter | 10.83% |
| Income | 40.77M | P/S | 2.79 | EPS this Y | 7.80% | Inst Trans | - | Short Ratio | 2.58 | Perf Half Y | 14.16% |
| Sales | 211.64M | P/B | 1.27 | EPS next Y | 22.20% | ROA | 0.84% | Short Interest | 385.19K | Perf YTD | 21.12% |
| Book/sh | - | P/C | 17.03 | EPS next 5Y | 14.38% | ROE | 10.18% | 52W High | 65.14 -2.59% | Perf Year | 47.59% |
| Cash/sh | - | P/FCF | 17.92 | EPS past 3/5Y | 1.28% 9.89% | ROIC | 0.84% | 52W Low | 38.95 62.92% | Perf 3Y | 111.17% |
| Dividend Est. | - | EV/EBITDA | 15.03 | Sales past 3/5Y | 20.69% 13.02% | Gross Margin | 60.86% | Volatility | 2.26% 2.96% | Perf 5Y | 24.75% |
| Dividend TTM | - | EV/Sales | 3.84 | EPS Y/Y TTM | 145.03% | Oper. Margin | 24.12% | ATR (14) | 1.79 | Perf 10Y | 130.94% |
| Dividend Ex-Date | - | Quick Ratio | 0.00 | Sales Y/Y TTM | 0.00% | Profit Margin | 18.71% | RSI (14) | 56.57 | Recom | 2.86 |
| Dividend Gr. 3/5Y | - | Current Ratio | 0.00 | EPS Q/Q | 48.15% | SMA20 | 1.57% | Beta | 0.67 | Target Price | 64.00 |
| Payout | 0.00% | Debt/Eq | 0.56 | Sales Q/Q | 10.71% | SMA50 | 3.99% | Rel Volume | 0.77 | Prev Close | 62.40 |
| Employees | 315 | LT Debt/Eq | 0.72 | Earnings | Oct 27 | SMA200 | 13.69% | Avg Volume | 133.84K | Price | 63.45 |
| IPO Date | Oct 28, 1999 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 0.84% -1.16% | Net Debt/EBITDA | 4.13 | Volume | 103,082 | Change | 1.68% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Feb-05-26 | Reiterated | Piper Sandler | Overweight | $64 |
| Jan-03-24 | Upgrade | Piper Sandler | Neutral → Overweight | |
| Aug-01-22 | Downgrade | DA Davidson | Buy → Neutral | |
| Mar-16-21 | Downgrade | Janney Capital | Buy → Neutral | |
| Mar-16-21 | Downgrade | Janney Montgomery Scott | Buy → Neutral | |
| Mar-15-21 | Downgrade | Janney Capital | Buy → Neutral | |
| Jun-26-18 | Downgrade | Sandler O'Neill | Buy → Hold | |
| Jun-26-18 | Downgrade | Piper Sandler | Buy → Hold | |
| Nov-29-16 | Downgrade | Keefe, Bruyette & Woods | Outperform → Market Perform | |
| Jan-28-15 | Downgrade | Piper Sandler | Buy → Hold |
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.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 213 | 225 | 213 | 187 | 128 | 110 | 122 | 103 | 83 | |
| Cost of Goods Sold Incl. D&A | 82 | 109 | 120 | 101 | 26 | -7 | 45 | 28 | 18 | |
| Gross Profit | 128 | 115 | 93 | 86 | 101 | 117 | 78 | 75 | 64 | |
| Selling, General and Administrative Excl. Other | 58 | 50 | 4 | 45 | 42 | 38 | 37 | 29 | 27 | |
| Research and Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other Operating Expense | 19 | 26 | 69 | 24 | 21 | 18 | 17 | 11 | 9 | |
| Operating Income | 50 | 40 | 20 | 17 | 38 | 61 | 24 | 35 | 29 | |
| Interest Expense | 103 | 107 | 120 | 100 | 20 | 5 | 15 | 25 | 17 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 103 | 107 | 120 | 100 | 20 | 5 | 15 | 25 | 17 | |
| Net Income Before Taxes | 50 | 40 | 20 | 17 | 38 | 61 | 24 | 35 | 29 | |
| Income Taxes | 12 | 9 | 4 | 4 | 9 | 14 | 5 | 8 | 6 | |
| Consolidated Net Income | 40 | 30 | 16 | 13 | 29 | 47 | 18 | 28 | 22 | |
| Net Income From Continuing Operations | 40 | 30 | 16 | 13 | 29 | 47 | 18 | 28 | 22 | |
| Net Income | 40 | 30 | 16 | 13 | 29 | 47 | 18 | 28 | 22 | |
| EPS (Recurring) | 4.73 | 3.77 | 1.92 | 1.67 | 3.66 | 5.96 | 2.37 | 3.70 | 3.02 | |
| EPS (Basic, Before Extraordinaries) | 4.73 | 3.77 | 1.92 | 1.67 | 3.66 | 5.96 | 2.37 | 3.70 | 3.02 | |
| EPS (Diluted) | 4.68 | 3.75 | 1.91 | 1.66 | 3.61 | 5.85 | 2.34 | 3.58 | 2.88 | |
| EBITDA | 54 | 44 | 25 | 22 | 42 | 63 | 26 | 37 | 30 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 13.56 | 13.74 | 20.81 | 22.35 | 12.67 | 10.68 | 15.11 | 11.87 | 11.14 | |
| Price To Sales Ratio | 2.68 | 1.83 | 1.49 | 1.59 | 2.86 | 4.54 | 2.32 | 3.30 | 2.70 | |
| Gross Margin | 60.09 | 51.11 | 43.66 | 45.99 | 78.91 | 106.36 | 63.93 | 72.82 | 77.11 | |
| Operating Margin | 23.47 | 17.78 | 9.39 | 9.09 | 29.69 | 55.45 | 19.67 | 33.98 | 34.94 | |
| Net Margin | 18.78 | 13.33 | 7.51 | 6.95 | 22.66 | 42.73 | 14.75 | 27.18 | 26.51 | |
| Shares Outstanding | 9 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 7 | |
| Market Capitalization | 571 | 412 | 318 | 297 | 366 | 500 | 283 | 340 | 224 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Lattimore Ray | Director | Jun 23 '26 | Sale | 59.28 | 253 | 14,997 | 1,127 | Jul 29 |
| CUBBAGE LEIGHTON M | Director | Jun 10 '26 | Sale | 60.60 | 765 | 46,359 | 50,715 | Jun 12 |
| Maner William IV | Director | Mar 06 '26 | Buy | 52.35 | 400 | 20,940 | 3,585 | Mar 09 |
| King Silvia T | Chief Human Resources Officer | Feb 26 '26 | Option Exercise | 37.75 | 2,625 | 99,100 | 6,588 | Feb 27 |
| King Silvia T | Chief Human Resources Officer | Feb 26 '26 | Sale | 60.49 | 2,625 | 158,796 | 3,963 | Feb 27 |
| SEAVER R ARTHUR JR | Chief Executive Officer | Dec 15 '25 | Option Exercise | 35.65 | 10,000 | 356,500 | 117,654 | Dec 18 |
| SEAVER R ARTHUR JR | Chief Executive Officer | Dec 15 '25 | Sale | 55.14 | 10,000 | 551,419 | 107,654 | Dec 18 |
| ELLISON DAVID G | Director | Dec 10 '25 | Sale | 53.28 | 1,000 | 53,285 | 49,661 | Dec 10 |
| Fairchild Julie Ann | Chief Accounting Officer | Nov 24 '25 | Option Exercise | 23.00 | 1,500 | 34,500 | 5,960 | Nov 25 |
| Fairchild Julie Ann | Chief Accounting Officer | Nov 21 '25 | Sale | 50.00 | 1,258 | 62,900 | 4,460 | Nov 25 |
| ELLISON DAVID G | Director | Nov 03 '25 | Buy | 43.50 | 200 | 8,700 | 50,661 | Nov 06 |
| ELLISON DAVID G | Director | Oct 31 '25 | Buy | 44.00 | 100 | 4,400 | 50,461 | Nov 03 |
| Locke Anna T | Director | Oct 31 '25 | Buy | 44.05 | 225 | 9,912 | 3,292 | Nov 03 |
| CUBBAGE LEIGHTON M | Director | Aug 27 '25 | Sale | 45.12 | 35 | 1,579 | 51,170 | Aug 29 |
| CUBBAGE LEIGHTON M | Director | Jun 23 '25 | Sale | 35.72 | 1,083 | 38,685 | 51,205 | Jun 25 |