SFST - NASDAQ

Southern First Bancshares, Inc.

SFST·NASDAQ

$56.19

-3.5%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$531.29M

EPS3.7700

P/E Ratio14.90

Earnings Date07/28/2026

4.40B

Assets

3Y+19.0%

5Y+77.0%

10Y+228.0%

4.03B

Total Liabilities

3Y+19.0%

5Y+79.0%

10Y+228.0%

368.66M

Total Equity

12%

3Y+25.0%

5Y+61.0%

10Y+236.0%

Southern First Bancshares, Inc. Funding & Solvency Profile

SFST · NASDAQ

Current Assets

Cash & Cash Equivalents27.82M

Net Receivables11.80M

Inventory0.00

Other Current Assets-11.80M

Total Current Assets156 M

Non-Current Assets

Property, Plant & Equipment83.47M

Goodwill & Intangible Assets0.00

Long-Term Investments3.95B

Other Non-Current Assets-3.96B

Total Non-Current Assets70 M

Total Assets

4.40B

Financial Health Analysis

Current Ratio

0.04x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

10.94x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-3561252000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Southern First Bancshares, Inc. Balance Sheet

SFST • NASDAQ

Southern First Bancshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	27.8M	34.4M	36.8M	69.6M	80.3M	78.9M	38.6M	37M	43M	22.5M	29.3M	15.4M	30.8M	29.5M	23M	4.1M	5.6M	4.4M	7.7M	9.1M
Short-Term Investments	127.7M	461K	9.5M	93.3M	120.3M	94.7M	67.7M	74.9M	67.6M	64.5M	89.9M	55M	67.4M	78.2M	100.7M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	155.6M	34.9M	46.3M	162.9M	200.6M	173.7M	106.3M	111.9M	110.6M	87M	119.2M	70.4M	98.2M	107.7M	123.8M	4.1M	5.6M	4.4M	7.7M	9.1M
Net Receivables	11.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.9M	3.3M	2.4M
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.9M	3.3M	2.4M
Other Receivables	11.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	-11.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	155.6M	34.9M	46.3M	162.9M	200.6M	173.7M	106.3M	111.9M	110.6M	87M	119.2M	70.4M	98.2M	107.7M	123.8M	4.1M	5.6M	7.3M	11M	11.5M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	83.5M	88.8M	94.3M	99.2M	92.4M	60.2M	58.5M	32.4M	32.2M	28.4M	24.2M	20.8M	19.8M	18.7M	17.3M	15.9M	16.4M	11.7M	5.4M	7.5M
Goodwill & Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-2B	0.0
Long-Term Investments	3.9B	3.7B	3.7B	3.2B	2.5B	2.2B	2B	1.7B	1.4B	1.2B	996.8M	872M	727.5M	637.3M	590.1M	636.9M	661.1M	645M	590.6M	471.5M
Tax Assets	13.7M	13.5M	12.2M	12.5M	8.4M	9.5M	4.3M	4M	3.8M	6.8M	6.9M	5.5M	4.9M	3.2M	3M	3M	3.5M	3.9M	0.0	0.0
Other Non-Current Assets	-4B	217.4M	204.8M	177.1M	148.4M	79.7M	143.7M	80.9M	93.9M	61.6M	70.2M	61.1M	40.4M	31.1M	33.6M	76.6M	32.6M	25.1M	21.1M	18.8M
Total Non-Current Assets	83.5M	4.1B	4B	3.5B	2.7B	2.3B	2.2B	1.8B	1.5B	1.3B	1.1B	959.4M	792.6M	690.3M	644M	736.5M	719.3M	685.7M	617.1M	497.8M
Other Assets	4.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	4.4B	4.1B	4.1B	3.7B	2.9B	2.5B	2.3B	1.9B	1.6B	1.3B	1.2B	1B	890.8M	798M	767.7M	736.5M	719.3M	693M	628.1M	509.3M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.3M	4.3M	3.2M
Accounts Payable	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.2M	2.7M	2.3M
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.1M	1.5M	944.2K
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	13.2M	122.7M	122.7M	147M	15M	0.0	0.0
Other Current Liabilities	3.7B	3.4B	3.4B	3.1B	2.6B	2.1B	1.9B	1.6B	1.4B	1.1B	985.7M	788.9M	680.3M	576.3M	562.9M	536.3M	494.1M	469.5M	412.8M	345.5M
Total Current Liabilities	3.7B	3.4B	3.4B	3.1B	2.6B	2.1B	1.9B	1.6B	1.4B	1.1B	985.7M	788.9M	680.3M	589.5M	685.6M	659M	641M	488.8M	417.1M	348.7M
NON-CURRENT LIABILITIES
Long Term Debt	264.9M	264.9M	311.3M	211.2M	36.1M	61M	145.9M	63.4M	80.6M	128.6M	128.6M	148.6M	137.5M	137.5M	136.1M	13.4M	13.4M	163.1M	171.9M	121.9M
Deferred Tax Liabilities (Non-Current)	6.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	3.7B	56.5M	52.4M	52.4M	47.7M	50.5M	39.3M	0.0	0.0	0.0	8.7M	9.4M	7.3M	6.9M	-116.5M	4.9M	5M	1.3M	818.9K	4.1M
Total Non-Current Liabilities	4B	321.4M	363.8M	263.6M	83.8M	111.5M	185.2M	78.6M	93.8M	139.9M	137.3M	158M	144.8M	144.4M	19.6M	18.3M	18.4M	164.4M	172.7M	126M
Capital Lease Obligations	19.5M	0.0	0.0	0.0	0.0	0.0	18M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	4B	3.8B	3.7B	3.4B	2.6B	2.3B	2.1B	1.7B	1.5B	1.2B	1.1B	946.9M	825.2M	733.9M	705.2M	677.3M	659.5M	653.2M	589.9M	474.8M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	15.3M	16.3M	16.6M	15M	15.4M	0.0	0.0	0.0
Common Stock	82K	82K	81K	80K	79K	78K	77K	75K	73K	65K	63K	62K	43K	43K	38K	35K	31K	30K	29.5K	29.3K
Additional Paid-In Capital	125.9M	124.6M	121.8M	119M	114.2M	108.8M	106.2M	102.6M	100M	73.4M	70M	68.8M	43.6M	42.4M	39.5M	37.6M	34.1M	31.9M	31M	30.8M
Retained Earnings	251.4M	221.1M	205.5M	192.1M	165.8M	119.1M	100.7M	72.9M	50.6M	37.5M	24.5M	14.3M	8.7M	4.4M	5.3M	7.3M	9.8M	9M	7.2M	3.7M
Accumulated Other Comprehensive Income/Loss	-8.8M	-11.5M	-11.3M	-13.4M	-740K	1M	-298K	-917K	-456K	-504K	-4K	302K	-1.3M	1.2M	1M	-707K	484K	-1.1M	55.3K	-16.5K
Other Total Stockholders' Equity	-1.3M	-3.9M	-3.6M	-3.3M	-1.4M	-698K	-803K	-741K	-502K	-600K	-360K	-494K	-636K	-160K	-16K	0.0	-14K	-27K	0.0	0.0
Total Stockholders' Equity	368.7M	330.4M	312.5M	294.5M	277.9M	228.3M	205.9M	173.9M	149.7M	109.9M	94.2M	83M	65.7M	64.1M	62.5M	59.2M	59.8M	39.8M	38.3M	34.6M
Total Equity	368.7M	330.4M	312.5M	294.5M	277.9M	228.3M	205.9M	173.9M	149.7M	109.9M	94.2M	83M	65.7M	64.1M	62.5M	59.2M	59.8M	39.8M	38.3M	34.6M
SUMMARY
Total Liabilities & Equity	4.4B	4.1B	4.1B	3.7B	2.9B	2.5B	2.3B	1.9B	1.6B	1.3B	1.2B	1B	890.8M	798M	767.7M	736.5M	719.3M	693M	628.1M	509.3M
Total Investments	3.9B	3.7B	3.7B	3.3B	2.6B	2.3B	2B	1.7B	1.5B	1.2B	1.1B	927M	794.9M	715.5M	690.8M	636.9M	661.1M	645M	590.6M	471.5M
Total Debt	264.9M	264.9M	311.3M	211.2M	36.1M	61M	145.9M	63.4M	80.6M	128.6M	128.6M	148.6M	137.5M	150.7M	258.8M	136.1M	160.4M	178.1M	171.9M	121.9M
Net Debt	237.1M	230.5M	274.5M	141.6M	-44.2M	-17.9M	107.3M	26.4M	37.6M	106.1M	99.3M	133.2M	106.7M	121.2M	235.7M	132M	154.7M	173.7M	164.2M	112.8M
Shares Outstanding	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715	8,180,715

SEC Filings

SFST - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	June 02, 2026	June 01, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 20, 2026	May 19, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 01, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 21, 2026	April 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 16, 2026	April 15, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 15, 2026	April 15, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 06, 2026	May 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 10, 2026	March 05, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 24, 2026	December 31, 2025	2025	View Filing
S-3 S-3 N/A	February 06, 2026	February 06, 2026		View Filing

Showing 1 to 10 of 334 filings

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