Southern First Bancshares, Inc. (SFST)
NASDAQ: SFST · Real-Time Price · USD
59.58
-1.29 (-2.12%)
Oct 30, 2026, 4:00 PM EDT - Market closed
Southern First Bancshares Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 399.5 | 268.48 | 157.46 | 151.07 | 165.07 | 162.01 |
Investment Securities | 166.79 | 53.69 | 79.46 | 86.81 | 40.09 | 55.91 |
Trading Asset Securities | - | 0.34 | 3.93 | 0.16 | 0.08 | 0.43 |
Mortgage-Backed Securities | - | 79.56 | 57.64 | 51.77 | 54.84 | 67.15 |
Total Investments | 166.79 | 133.59 | 141.03 | 138.74 | 95.01 | 123.49 |
Gross Loans | 4,176 | 3,845 | 3,632 | 3,603 | 3,273 | 2,490 |
Allowance for Loan Losses | -44.69 | -42.28 | -39.91 | -40.68 | -38.64 | -30.41 |
Net Loans | 4,131 | 3,803 | 3,592 | 3,562 | 3,235 | 2,459 |
Property, Plant & Equipment | 87.52 | 83.47 | 88.79 | 94.3 | 99.18 | 92.37 |
Loans Held for Sale | 2.68 | 11.57 | 4.57 | 7.19 | 3.92 | 13.56 |
Accrued Interest Receivable | - | 11.8 | 11 | 11.6 | 8.9 | - |
Restricted Cash | - | 1.1 | 5.4 | 5.1 | 5.8 | 5.2 |
Long-Term Deferred Tax Assets | 15.02 | 13.7 | 13.47 | 12.2 | 12.52 | 8.4 |
Other Real Estate Owned & Foreclosed | - | 0.28 | - | - | - | - |
Other Long-Term Assets | 78.55 | 62.13 | 59.51 | 57.58 | 57.61 | 59.82 |
Total Assets | 4,881 | 4,403 | 4,088 | 4,056 | 3,692 | 2,926 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Bearing Deposits | 2,642 | 2,207 | 1,979 | 2,137 | 1,955 | 1,711 |
Institutional Deposits | 639.65 | 778 | 774 | 568.1 | 374.8 | 84.4 |
Non-Interest Bearing Deposits | 823.17 | 732.29 | 683.08 | 674.17 | 804.12 | 768.65 |
Total Deposits | 4,105 | 3,717 | 3,436 | 3,380 | 3,134 | 2,564 |
Short-Term Borrowings | - | - | - | 35.55 | - | 0.04 |
Current Portion of Leases | - | 2.21 | - | - | - | - |
Federal Home Loan Bank Debt, Long-Term | 240 | 240 | 240 | 240 | 175 | - |
Long-Term Leases | - | 19.5 | 23.2 | 24.6 | 25.8 | 28 |
Trust Preferred Securities | 13.4 | 24.9 | 24.9 | 36.32 | 36.21 | 36.11 |
Other Long-Term Liabilities | 60.24 | 31.42 | 33.28 | 27.29 | 26.59 | 19.67 |
Total Liabilities | 4,419 | 4,035 | 3,757 | 3,743 | 3,397 | 2,648 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 0.1 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
Additional Paid-In Capital | 189.8 | 125.92 | 124.64 | 121.78 | 119.03 | 114.23 |
Retained Earnings | 284.75 | 251.44 | 221.08 | 205.55 | 192.12 | 165.77 |
Comprehensive Income & Other | -12.6 | -8.79 | -15.36 | -14.94 | -16.72 | -2.18 |
Shareholders' Equity | 462.05 | 368.66 | 330.44 | 312.47 | 294.51 | 277.9 |
Total Liabilities & Equity | 4,881 | 4,403 | 4,088 | 4,056 | 3,692 | 2,926 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 253.4 | 286.61 | 288.1 | 336.47 | 237.01 | 64.15 |
Net Cash (Debt) | 146.1 | -17.8 | -126.71 | -185.24 | -71.86 | 98.29 |
Net Cash Growth | - | - | - | - | - | 937.55% |
Net Cash Per Share | 16.42 | -2.18 | -15.61 | -22.93 | -8.90 | 12.30 |
Filing Date Shares Outstanding | 9.49 | 8.23 | 8.18 | 8.16 | 8.05 | 7.98 |
Total Common Shares Outstanding | 9.49 | 8.21 | 8.16 | 8.09 | 8.01 | 7.93 |
Book Value Per Share | 48.68 | 44.89 | 40.47 | 38.63 | 36.76 | 35.06 |
Tangible Book Value | 462.05 | 368.66 | 330.44 | 312.47 | 294.51 | 277.9 |
Tangible Book Value Per Share | 48.68 | 44.89 | 40.47 | 38.63 | 36.76 | 35.06 |