Financial Services -
Banks - Regional - NASDAQ - US
$ 40.93
1.09 %
$ 334 M
Market Cap
18.19
P/E
1. INTRINSIC VALUE
Balance Sheet
Southern First Bancshares, Inc.
| Current Assets | 34.9 M |
| Cash & Short-Term Investments | 34.9 M |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 4.05 B |
| Long-Term Investments | 3.73 B |
| PP&E | 88.8 M |
| Other Non-Current Assets | 231 M |
| Current Liabilities | 3.44 B |
| Accounts Payable | 0 |
| Short-Term Debt | 0 |
| Other Current Liabilities | 3.44 B |
| Non-Current Liabilities | 321 M |
| Long-Term Debt | 265 M |
| Other Non-Current Liabilities | 56.5 M |
EFFICIENCY
Earnings Waterfall
Southern First Bancshares, Inc.
| Revenue | 213 M |
| Cost Of Revenue | 120 M |
| Gross Profit | 93.3 M |
| Operating Expenses | 73.3 M |
| Operating Income | 19.9 M |
| Other Expenses | 4.38 M |
| Net Income | 15.5 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Southern First Bancshares, Inc.
| Net Income | 15.5 M |
| Depreciation & Amortization | 4.81 M |
| Capital Expenditures | -785 K |
| Stock-Based Compensation | 2.28 M |
| Change in Working Capital | -345 K |
| Others | 2.94 M |
| Free Cash Flow | 24.8 M |
Wall Street Analysts Price Targets
Southern First Bancshares, Inc.
SFST has no price targets from Wall Street.
4. DIVIDEND
ANALYSIS
SFST does not distribute dividends.
5. COMPETITION
6. Ownership
Insider Ownership
Southern First Bancshares, Inc.
Sold
0-3 MONTHS
56.2 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
45.2 K USD 1
9-12 MONTHS
327 K USD 1
Bought
25.3 K USD 1
0-3 MONTHS
13.3 K USD 1
3-6 MONTHS
6.8 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
All You Need to Know About Southern First (SFST) Rating Upgrade to Strong Buy
Southern First (SFST) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
zacks.com
- 1 week ago
Best Momentum Stock to Buy for July 24th
SCHW, TCBI and SFST made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on July 24, 2025.
zacks.com
- 1 week ago
New Strong Buy Stocks for July 24th
CRGY, B, W, TCBI and SFST have been added to the Zacks Rank #1 (Strong Buy) List on July 24, 2025.
zacks.com
- 1 week ago
Southern First (SFST) Q2 Earnings and Revenues Beat Estimates
Southern First (SFST) came out with quarterly earnings of $0.81 per share, beating the Zacks Consensus Estimate of $0.65 per share. This compares to earnings of $0.37 per share a year ago.
zacks.com
- 2 weeks ago
Southern First Reports Second Quarter 2025 Results
GREENVILLE, S.C. , July 22, 2025 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, today announced its financial results for the six months ended June 30, 2025.
prnewswire.com
- 2 weeks ago
Southern First (SFST) Earnings Expected to Grow: What to Know Ahead of Q2 Release
Southern First (SFST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
zacks.com
- 3 weeks ago
SOUTHERN FIRST ANNOUNCES THREE NEW APPOINTMENTS TO BOARD OF DIRECTORS
GREENVILLE, S.C. , June 2, 2025 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, is pleased to announce the appointment of three new board members.
prnewswire.com
- 2 months ago
Southern First (SFST) Tops Q1 Earnings and Revenue Estimates
Southern First (SFST) came out with quarterly earnings of $0.65 per share, beating the Zacks Consensus Estimate of $0.61 per share. This compares to earnings of $0.31 per share a year ago.
zacks.com
- 3 months ago
Southern First Reports First Quarter 2025 Results
GREENVILLE, S.C. , April 22, 2025 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, today announced its financial results for the three months ended March 31, 2025.
prnewswire.com
- 3 months ago
Southern First Promotes Wes Wilbanks to Chief Credit Officer
GREENVILLE, S.C. , April 10, 2025 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, is pleased to announce the promotion of Wes Wilbanks to Chief Credit Officer and Executive Vice President.
prnewswire.com
- 3 months ago
Southern First Appoints Blair Miller as Chief Retail Experience Officer
GREENVILLE, S.C. , Feb. 20, 2025 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, is pleased to announce the appointment of Blair Miller as Chief Retail Experience Officer and Executive Vice President.
prnewswire.com
- 5 months ago
Southern First Reports Fourth Quarter 2024 Results
GREENVILLE, S.C. , Jan. 28, 2025 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, today announced its financial results for the three and twelve months ended December 31, 2024.
prnewswire.com
- 6 months ago
8. Profile
Summary
Southern First Bancshares, Inc. SFST
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 334 M
Dividend Yield
0.00%
Description
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.
Contact
100 Verdae Boulevard, Greenville, SC, 29607-3857
https://www.southernfirst.com
IPO
Date
Oct. 28, 1999
Employees
297
Officers
Ms. Julie A. Fairchild
Chief Accounting Officer & Principal Accounting Officer
Mr. Frederick Gilmer III
Executive Vice President of Southern First Bank and Senior Lending Officer of Southern First Bank
Ms. Silvia T. King
Chief Human Resources Officer
Mr. Wes Wilbanks
Executive Vice President & Chief Credit Officer
Mr. Christian J. Zych
Executive Vice President & Chief Financial Officer
Mr. R. Arthur Seaver Jr.
Chief Executive Officer & Director
Mr. Blair Miller
Executive Vice President & Chief Retail Experience Officer
Mr. Calvin C. Hurst
President & Chief Banking Officer