Southern First Bancshares, Inc. (SFST)

Southern First Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	30.37	15.53	13.43	29.12	46.71
Depreciation & Amortization	4.31	4.81	4.82	3.7	2.32
Provision for Credit Losses	2.95	0.13	1.26	6.16	-12.4
Stock-Based Compensation	2.27	2.28	1.94	2.03	1.65
Net Change in Loans Held-for-Sale	-7	2.63	-3.28	9.64	46.7
Other Adjustments	-2.49	-2.13	-1.32	0.64	2.27
Changes in Other Operating Activities	-0.46	2.31	0.8	-0.97	-9.18
Operating Cash Flow	30.46	25.56	17.65	50.31	78.07
Operating Cash Flow Growth	19.17%	44.78%	-64.91%	-35.56%	278.63%
Net Change in Loans Held-for-Investment	-213.72	-30.41	-329.43	-782.13	-348.72
Net Change in Securities and Investments	7.97	2.31	-47.9	3.4	-29.11
Capital Expenditures	-0.58	-0.79	-1.24	-13.95	-26.51
Sale of Property, Plant & Equipment	-	0.03	-	0.1	0.05
Other Investing Activities	-	-	-	-	-6.34
Investing Cash Flow	-206.33	-28.86	-378.58	-792.58	-410.63
Net Change in Deposits	281.04	56.2	245.7	570.04	421.07
Long-Term Debt Issued	-	-46.5	100	175	-25
Net Long-Term Debt Issued (Repaid)	-	-46.5	100	175	-25
Issuance of Common Stock	2.04	0.29	0.52	0.91	3.01
Repurchase of Common Stock	0.49	-	-	-	-
Net Common Stock Issued (Repurchased)	2.53	0.29	0.52	0.91	3.01
Financing Cash Flow	282.6	10	346.22	745.94	399.08
Net Cash Flow	106.72	6.69	-14.7	3.67	66.52
Free Cash Flow	29.88	24.77	16.41	36.36	51.56
Free Cash Flow Growth	20.60%	50.95%	-54.86%	-29.49%	286.42%
FCF Margin	25.95%	26.57%	19.03%	35.98%	43.98%
Free Cash Flow Per Share	3.66	3.05	2.03	4.50	6.45
Levered Free Cash Flow	33.63	-24.63	117.8	192.9	-11.66
Unlevered Free Cash Flow	3.27	6.34	4.37	-11.22	-33.37

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q