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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Southern First Bancshares, Inc. Cash Flow Statement
SFST • NASDAQ
| Southern First Bancshares, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
30.4M | 15.5M | 13.4M | 29.1M | 46.7M | 18.3M | 27.9M | 22.3M | 13M | 13M | 10.2M | 6.6M | 5.1M | 3.9M | 2.1M | 890K | 1.4M | 1.9M | 3.4M | 3.9M | |
4.7M | 4.8M | 4.8M | 3.7M | 2.3M | 2.2M | 1.9M | 1.8M | 1.5M | 1.3M | 1.3M | 1.2M | 1.2M | 979K | 884K | 853K | 731K | 541K | 482.7K | 348.7K | |
-1.3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 356K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1.3M | -94.6K | -337K | |
2.3M | 2.3M | 1.9M | 2M | 1.6M | 1.4M | 1.7M | 1.5M | 1.3M | 2M | 759K | 629K | 515K | 342K | 276K | 246K | 118K | 70K | 0.0 | 0.0 | |
-5.2M | 3.3M | -2M | 16.4M | 35.6M | -2.1M | -15.8M | 5M | -1.4M | 486K | 11M | -3.4M | 2.7M | 5.9M | 7.3M | 6.6M | 4.6M | 6.2M | 1.7M | 1.6M | |
(10.6M) | (3.8M) | (1.5M) | (11.8M) | (21.7M) | (2.7M) | (7.9M) | (5.5M) | (8.4M) | (6.7M) | (6.6M) | (4.5M) | (2.9M) | (2.1M) | (1.7M) | (0.0) | (605K) | (1.9M) | (0.0) | (0.0) | |
-458K | -345K | -576K | -965K | -8.2M | 775K | 2.6M | 1.2M | 2.8M | 318K | -3.1M | -283K | -969K | 778K | 627K | 2.2M | -4M | -409K | -2.6M | -7.1M | |
30.5M | 25.6M | 17.7M | 50.3M | 78.1M | 20.6M | 18.3M | 31.7M | 17.2M | 17.1M | 20.1M | 4.7M | 8.6M | 11.9M | 11.2M | 10.8M | 2.9M | 6.9M | 3M | -1.6M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-581K | -785K | -1.2M | -14M | -26.5M | -7.3M | -8.4M | -1.9M | -5.4M | -5.4M | -4.7M | -2.2M | -2.3M | -2.4M | -2.4M | -326K | -5.4M | -6.9M | (896.7K) | -1.2M | |
(0.0) | -28.2M | -114.9M | -40.8M | -51.6M | -53.2M | -44.6M | -23.2M | -25.1M | -18.8M | -57.4M | -3.9M | -5.3M | -35M | -81.6M | -113.6M | -45.7M | -37.6M | -26.4M | -49.9M | |
29.6M | 30.5M | 67M | 44.2M | 22.5M | 30.4M | 50.1M | 15.4M | 22.8M | 43.1M | 22.9M | 18.2M | 13.3M | 57.3M | 47.4M | 133.2M | 38.4M | 31.9M | 13.3M | 11.8M | |
-235.4M | -30.4M | -329.4M | -782M | -355M | -200.7M | -272.6M | -291.8M | -231.4M | -158.8M | -136.9M | -142.9M | -93.7M | -50.6M | -31.3M | -5.7M | -15M | -61.7M | -107.8M | -73.9M | |
-206.3M | -28.9M | -378.6M | -792.6M | -410.6M | -230.8M | -275.6M | -301.7M | -239M | -139.9M | -176M | -130.8M | -88.1M | -30.7M | -67.9M | (13.6M) | -27.7M | -74.2M | -120M | -113.2M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
2M | 294K | 518K | 905K | 3M | 1.4M | 0.0 | 0.0 | 24.8M | 0.0 | 0.0 | 24.4M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 603K | 62.9K | 49.7K | |
0.0 | -46.5M | 100M | 175M | -25M | -85M | 82.5M | -17.2M | -48M | 0.0 | -20M | 11.1M | -13.2M | 14.6M | 0.0 | -24.3M | -17.7M | 6.2M | 50M | 14.3M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1M | -778K | -845K | -865K | -865K | -620K | (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) | -980K | -1.1M | (0.0) | (0.0) | -15.9M | (0.0) | (0.0) | (0.0) | |
280.6M | 56.2M | 245.7M | 570M | 421.1M | 266.6M | 229.8M | 267.9M | 290.7M | 106.5M | 197.5M | 108.9M | 103.2M | 12.6M | 26.7M | 42.5M | 26.3M | 56.7M | 67.3M | 91.4M | |
282.6M | 10M | 346.2M | 745.9M | 399.1M | 183M | 312.2M | 250.7M | 267.4M | 106.5M | 177.5M | 128.1M | 89.3M | 25.2M | 25.8M | 17.4M | 23.8M | 63.5M | 117.4M | 105.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
106.7M | 6.7M | -14.7M | 3.7M | 66.5M | -27.1M | 54.9M | -19.3M | 45.6M | -16.3M | 21.6M | 2.1M | 9.8M | 6.4M | -30.8M | 41.8M | -1.1M | -3.8M | 392K | -9M | |
162.9M | 156.2M | 170.9M | 167.2M | 100.7M | 127.8M | 72.9M | 92.2M | 46.6M | 62.9M | 41.3M | 39.2M | 29.4M | 23M | 53.9M | 12.1M | 13.2M | 17M | 16.6M | 25.6M | |
269.6M | 162.9M | 156.2M | 170.9M | 167.2M | 100.7M | 127.8M | 72.9M | 92.2M | 46.6M | 62.9M | 41.3M | 39.2M | 29.4M | 23M | 53.9M | 12.1M | 13.2M | 17M | 16.6M | |
29.9M | 24.8M | 16.4M | 36.4M | 51.6M | 13.3M | 9.9M | 29.8M | 11.8M | 11.7M | 15.5M | 2.5M | 6.3M | 9.5M | 8.8M | 10.5M | -2.6M | 62K | 3.9M | -2.8M |
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 | |
8-K 8-K 2026 N/A | May 20, 2026 | May 19, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 01, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 15, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 15, 2026 | April 15, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 06, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 10, 2026 | March 05, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 24, 2026 | December 31, 2025 | 2025 | |
S-3 S-3 N/A | February 06, 2026 | February 06, 2026 |
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