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Southern First Bancshares(NASDAQ) SFST

Current Price$60.27
Market Cap$570.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+1,191%
5 Year+21%
1 Year+38%
1 Month+3%
Southern First Bancshares last closing stock price
MetricPriceDate
Last closeUSD 60.342026-07-22
Southern First Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.36%USD 61.802026-07-15
1 month+2.71%USD 58.752026-06-22
3 month+6.51%USD 56.652026-04-23
Year to date+17.12%USD 51.522025-12-31
1 year+37.92%USD 43.752025-07-22
3 year+114.05%USD 28.192023-07-21
5 year+20.63%USD 50.022021-07-23
Since inception+1,190.92%USD 4.781999-10-28

Southern First Bancshares Financials at a Glance

Market Cap

$570.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$211.64M

Net Income (TTM)

$39.60M

EPS (TTM)

$4.68

P/E Ratio

12.90

Dividend

$0.00

Beta (Volatility)

0.77 (Low)

Price

$60.27

Volume

5,445

Open

$61.34

Previous Close

$60.27

Daily Range

$59.35 - $61.94

52-Week Range

$38.30 - $64.06

Estimated Earnings Date

Oct 27, 2026

SFST News

No articles available.

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About Southern First Bancshares

Southern First helps people and businesses manage their money. It offers loans and accounts through local Southeast offices. These services help customers save and buy properties easily.

Banking for the Southeast

  • Commercial and Retail Banking: Services including checking, savings, and loans for individuals and businesses in South Carolina, North Carolina, and Georgia.
  • Mortgage Banking: Originates residential loans for sale in secondary markets; provides mortgage products to the general public.
  • Corporate Operations: Oversees the bank’s investment portfolio and liquidity; manages company-wide financial resources.

Strategic Steps

  • Completed a $65.2 million common stock offering in April 2026 to support long-term growth.
  • Transitioned to a discounted cash flow (DCF) model—which predicts future cash results—to estimate its loan loss reserves in 2025.
  • Terminated $300 million in interest rate swaps in December 2025 to manage its financial hedge position.

Regional Focus and Risks

Southern First maintains a high concentration in real estate, with these loans making up 81.8% of its portfolio. The company relies on a local relationship model across 12 retail offices in major Southeast urban hubs.

The Financial Scorecard

  • Net income reached $9.9 million in Q1 2026, up 87.8% from $5.3 million in Q1 2025.
  • Net interest income rose to $30.2 million in Q1 2026, up 29.4% from $23.3 million in Q1 2025.
  • Free cash flow hit $10.5 million in Q1 2026, up 41% from $7.4 million in Q1 2025.
  • Total deposits grew to $3.87 billion by March 31, 2026, compared to $3.72 billion on December 31, 2025.

Bottom Line

Southern First has evolved from a local bank to a regional player across three states. Its growth depends on expanding its loan portfolio while maintaining strong relationships in Southeast urban markets.

AI Generated • May 5, 2026

Industry

Banks

Sector

Financials

Employees

315

CEO

R. Arthur Seaver, Jr.

Website

www.southernfirst.com

Headquarters

Greenville, SC 29607-3857, US

SFST Financials

Key Financial Metrics (TTM)

Gross Margin

60.86%

Operating Margin

24.12%

Net Income Margin

18.71%

Return on Equity

10.18%

Return on Capital

6.25%

Return on Assets

0.84%

Earnings Yield

7.75%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$570.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

9.46M

Volume

5.45K

Avg. Volume

134.21K

Financials (TTM)

Gross Profit

$128.82M

Operating Income

$51.05M

EBITDA

$54.11M

Operating Cash Flow

$33.65M

Capital Expenditure

-$720.00K

Free Cash Flow

$32.93M

Cash & ST Invst.

$30.10M

Total Debt

$253.40M

Southern First Bancshares Performance Analysis

Southern First Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 127,242,00015.8%
20232023-12-31USD 187,458,00047.3%
20242024-12-31USD 213,325,00013.8%
20252025-12-31USD 224,619,0005.3%
Southern First Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.3%
Q42025-12-31-1.6%
Q12026-03-31-41.3%
Q22026-06-3082.4%
Southern First Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.61-38.3%
20232023-12-31USD 1.66-53.9%
20242024-12-31USD 1.9115.1%
20252025-12-31USD 3.7294.5%
Southern First Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3032.1%
Q42025-12-3113.1%
Q12026-03-31-0.8%
Q22026-06-30N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$61.64M

+10.8%

Gross Profit

$34.85M

+24.8%

Gross Margin

56.54%

N/A

Market Cap

$570.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.81M

N/A

Employees

315

N/A

Net Income

$11.20M

+70.1%

EBITDA

$14.46M

+48.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$30.10M

-66.8%

Total Debt

$253.40M

-4.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$253.40M

-4.3%

Short Term Debt

$0.00

N/A

Return on Assets

0.84%

N/A

Return on Invested Capital

1.09%

N/A

Free Cash Flow

$10.49M

+41.0%

Operating Cash Flow

$10.77M

+42.1%

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Questions About SFST

What is the current price of Southern First Bancshares?

Southern First Bancshares is trading at $60.27 per share.

What is the 52-week range for Southern First Bancshares?

Over the past 52 weeks, Southern First Bancshares has traded between $38.30 and $64.06.

How much debt does Southern First Bancshares have?

As of the most recent reporting period, Southern First Bancshares reported total debt of $253.40M.

How much cash does Southern First Bancshares have on hand?

Southern First Bancshares does not have cash on hand data available.

What is Southern First Bancshares’s dividend yield?

Southern First Bancshares does not currently have a dividend yield.

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