SFST - NASDAQ
Southern First Bancshares, Inc.
$56.19
-3.5%Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
At a Glance
Live SnapshotSouthern First Bancshares, Inc. Street Expectations Map
Wall Street analysts project that SFST stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 64.00, with estimates ranging from a low of 64.00 to a high of 64.00.
The consensus 1-year price target stands at 64.00, with estimates ranging from a low of 64.00 to a high of 64.00.
Analyst Consensus Analysis
Upside Potential
Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Southern First Bancshares, Inc. Forward Estimates of Revenue
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Reasonable estimate spread indicates general agreement with normal forecast variance.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Southern First Bancshares, Inc. Forward Estimates of Net Income
Forward Growth Analysis
Solid growth trajectory indicates healthy business performance and competitive positioning.
Limited coverage may indicate reduced institutional interest or information availability.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Southern First Bancshares, Inc. Forward Estimates of EPS
Forward Growth Analysis
Strong growth expectations signal robust business momentum and market opportunity expansion.
Limited coverage may indicate reduced institutional interest or information availability.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Southern First Bancshares, Inc. Forward Estimates of EBIT
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Reasonable estimate spread indicates general agreement with normal forecast variance.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Southern First Bancshares, Inc. Forward Estimates of EBITDA
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Reasonable estimate spread indicates general agreement with normal forecast variance.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Southern First Bancshares, Inc. Forward Estimates of SG&A Expense
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Reasonable estimate spread indicates general agreement with normal forecast variance.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Southern First Bancshares, Inc. Insider Positioning
During the last 12 months, insiders have purchased $44K and sold $888K worth of SFST shares, resulting in $844K of net selling activity.
3 Months
400
20.94K
0
0.00
+21K
+$21K
3-6 Months
0
0.00
13.6K
763.50K
-764K
-$764K
6-9 Months
525
23.01K
1.3K
66.30K
-43K
-$43K
9-12 Months
0
0.00
1.6K
57.77K
-58K
-$58K
Top Buyers
Maner William Iv
Director
$21K
Ellison David G
Director
$13K
Locke Anna T
Director
$10K
Top Sellers
Seaver R Arthur Jr
Director, Officer: Chief Executive Officer
$551K
King Silvia T
Officer: Chief Human Resources Officer
$159K
Fairchild Julie Ann
Officer: Chief Accounting Officer
$66K
Ellison David G
Director
$53K
Cubbage Leighton M
Director
$40K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $844K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider sellers vs. 3 buyers. More insiders selling than buying suggests cautious or negative sentiment.
Related Guides
Continue your SFST research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.