image
Southern First Bancshares, Inc. SFST
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 34.75
-1.39 %
$ 284 M
Market Cap
15.44
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one SFST stock under the worst case scenario is HIDDEN Compared to the current market price of 34.8 USD, Southern First Bancshares, Inc. is HIDDEN

SFST Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one SFST stock under the base case scenario is HIDDEN Compared to the current market price of 34.8 USD, Southern First Bancshares, Inc. is HIDDEN

SFST Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one SFST stock under the best case scenario is HIDDEN Compared to the current market price of 34.8 USD, Southern First Bancshares, Inc. is HIDDEN

SFST Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart SFST

image
1M -8%
6M -21%
1Y 31%
3Y -25%
5Y 29.0%
All
$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
201 M REVENUE
133.28%
Growth Rates
1Year 133.28%
3Years 19.73%
5Years 19.83%
7Years 19.38%
10Years 19.23%
197 M OPERATING INCOME
1032.70%
Growth Rates
1Year 1032.70%
3Years 46.85%
5Years 39.21%
7Years 34.49%
10Years 32.92%
15.5 M NET INCOME
15.67%
Growth Rates
1Year 15.67%
3Years -30.72%
5Years -11.03%
7Years 2.52%
10Years 8.89%
25.6 M OPERATING CASH FLOW
44.78%
Growth Rates
1Year 44.78%
3Years -31.08%
5Years 6.90%
7Years 5.83%
10Years 18.37%
-28.9 M INVESTING CASH FLOW
92.38%
Growth Rates
1Year 92.38%
3Years 58.73%
5Years 36.32%
7Years 26.07%
10Years 14.02%
10 M FINANCING CASH FLOW
-97.11%
Growth Rates
1Year -97.11%
3Years -70.74%
5Years -49.76%
7Years -37.47%
10Years -22.51%
49.6 M REVENUE
96.94%
Growth Rates
1Year 133.28%
3Years 19.73%
5Years 19.83%
7Years 19.38%
10Years 19.23%
48.8 M OPERATING INCOME
0.00%
Growth Rates
1Year 1032.70%
3Years 46.85%
5Years 39.21%
7Years 34.49%
10Years 32.92%
5.27 M NET INCOME
-6.42%
Growth Rates
1Year 15.67%
3Years -30.72%
5Years -11.03%
7Years 2.52%
10Years 8.89%
7.58 M OPERATING CASH FLOW
519.59%
Growth Rates
1Year 44.78%
3Years -31.08%
5Years 6.90%
7Years 5.83%
10Years 18.37%
-50.4 M INVESTING CASH FLOW
-289.25%
Growth Rates
1Year 92.38%
3Years 58.73%
5Years 36.32%
7Years 26.07%
10Years 14.02%
185 M FINANCING CASH FLOW
323.03%
Growth Rates
1Year -97.11%
3Years -70.74%
5Years -49.76%
7Years -37.47%
10Years -22.51%
Balance Sheet Southern First Bancshares, Inc.
image
Current Assets 155 M
Cash & Short-Term Investments 155 M
Receivables 0
Other Current Assets 0
Non-Current Assets 88.8 M
Long-Term Investments 5.44 M
PP&E 88.8 M
Other Non-Current Assets -5.44 M
63.53 %36.47 %Total Assets$243.5m
Current Liabilities 2.47 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 2.47 B
Non-Current Liabilities 265 M
Long-Term Debt 265 M
Other Non-Current Liabilities 0
90.30 %9.70 %Total Liabilities$2.7b
EFFICIENCY
Earnings Waterfall Southern First Bancshares, Inc.
image
Revenue 201 M
Cost Of Revenue 108 M
Gross Profit 93.3 M
Operating Expenses 3.82 M
Operating Income 197 M
Other Expenses 182 M
Net Income 15.5 M
250m250m200m200m150m150m100m100m50m50m00201m(108m)93m(4m)197m(182m)16mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
46.39% GROSS MARGIN
46.39%
Averages
1Year 46.39%
3Years 82.13%
5Years 89.28%
7Years 92.34%
10Years 94.64%
98.10% OPERATING MARGIN
98.10%
Averages
1Year 98.10%
3Years 52.56%
5Years 48.99%
7Years 47.89%
10Years 45.93%
7.72% NET MARGIN
7.72%
Averages
1Year 7.72%
3Years 17.37%
5Years 23.11%
7Years 26.05%
10Years 25.33%
4.70% ROE
4.70%
Averages
1Year 4.70%
3Years 6.29%
5Years 8.74%
7Years 10.01%
10Years 10.14%
0.38% ROA
0.38%
Averages
1Year 0.38%
3Years 0.50%
5Years 0.77%
7Years 0.89%
10Years 0.88%
-6.93% ROIC
-6.93%
Averages
1Year -6.93%
3Years -1.52%
5Years -1.57%
7Years -1.69%
10Years -0.09%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Southern First Bancshares, Inc.
image
60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 15.5 M
Depreciation & Amortization 5.36 M
Capital Expenditures -785 K
Stock-Based Compensation 2.28 M
Change in Working Capital 2.31 M
Others 2.38 M
Free Cash Flow 24.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Southern First Bancshares, Inc.
image
SFST has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 17
6. Ownership
Insider Ownership Southern First Bancshares, Inc.
image
Sold
0-3 MONTHS
17.5 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
214 K USD 2
9-12 MONTHS
158 K USD 1
Bought
25.3 K USD 1
0-3 MONTHS
20.1 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
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 weeks 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 - 1 month 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 - 1 month 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 - 2 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 - 3 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 - 4 months ago
Southern First (SFST) Surpasses Q3 Earnings and Revenue Estimates Southern First (SFST) came out with quarterly earnings of $0.54 per share, beating the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.51 per share a year ago. zacks.com - 7 months ago
Southern First Reports Results for Third Quarter 2024 GREENVILLE, S.C. , Oct. 22, 2024 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, today announced its financial results for the three-month period ended September 30, 2024. prnewswire.com - 7 months ago
Southern First (SFST) Beats Q2 Earnings and Revenue Estimates Southern First (SFST) came out with quarterly earnings of $0.37 per share, beating the Zacks Consensus Estimate of $0.29 per share. This compares to earnings of $0.31 per share a year ago. zacks.com - 11 months ago
Southern First Reports Results for Second Quarter 2024 GREENVILLE, S.C. , July 18, 2024 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, today announced its financial results for the three-month period ended June 30, 2024. prnewswire.com - 11 months ago
SOUTHERN FIRST APPOINTS CHRIS ZYCH AS CHIEF FINANCIAL OFFICER GREENVILLE, S.C. , May 6, 2024 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, is pleased to announce the appointment of Chris Zych as Chief Financial Officer and Executive Vice President. prnewswire.com - 1 year ago
Southern First (SFST) Q1 Earnings and Revenues Miss Estimates Southern First (SFST) came out with quarterly earnings of $0.31 per share, missing the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.33 per share a year ago. zacks.com - 1 year ago
8. Profile Summary

Southern First Bancshares, Inc. SFST

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 284 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