Southern First Bancshares, Inc. (SFST)

Southern First Bancshares Statistics

Total Valuation

SFST has a market cap or net worth of $478.60 million. The enterprise value is $473.92 million.

Market Cap	478.60M
Enterprise Value	473.92M

Important Dates

The last earnings date was Thursday, January 22, 2026, before market open.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	n/a

Share Statistics

SFST has 8.22 million shares outstanding. The number of shares has decreased by -0.32% in one year.

Current Share Class	8.22M
Shares Outstanding	8.22M
Shares Change (YoY)	-0.32%
Shares Change (QoQ)	+0.53%
Owned by Insiders (%)	6.11%
Owned by Institutions (%)	64.15%
Float	6.32M

Valuation Ratios

The trailing PE ratio is 15.53 and the forward PE ratio is 10.75.

PE Ratio	15.53
Forward PE	10.75
PS Ratio	4.07
Forward PS	3.71
PB Ratio	1.30
P/TBV Ratio	1.30
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.61
EV / Sales	4.12
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.69%.

Return on Equity (ROE)	8.69%
Return on Assets (ROA)	0.72%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.43%
Revenue Per Employee	$387,673
Profits Per Employee	$102,242
Employee Count	297
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SFST has paid $9.24 million in taxes.

Income Tax	9.24M
Effective Tax Rate	23.33%

Stock Price Statistics

The stock price has increased by +61.76% in the last 52 weeks. The beta is 0.76, so SFST's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	+61.76%
50-Day Moving Average	54.68
200-Day Moving Average	44.99
Relative Strength Index (RSI)	59.31
Average Volume (20 Days)	45,470

Short Selling Information

The latest short interest is 54,500, so 0.66% of the outstanding shares have been sold short.

Short Interest	54,500
Short Previous Month	64,574
Short % of Shares Out	0.66%
Short % of Float	0.86%
Short Ratio (days to cover)	1.10

Income Statement

In the last 12 months, SFST had revenue of $115.14 million and earned $30.37 million in profits. Earnings per share was $3.75.

Revenue	115.14M
Gross Profit	115.14M
Operating Income	43.48M
Pretax Income	39.61M
Net Income	30.37M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.75

Balance Sheet

The company has $269.58 million in cash and $264.90 million in debt, with a net cash position of $4.68 million or $0.57 per share.

Cash & Cash Equivalents	269.58M
Total Debt	264.90M
Net Cash	4.68M
Net Cash Per Share	$0.57
Equity (Book Value)	368.66M
Book Value Per Share	44.89
Working Capital	-3.44B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	37.76%
Pretax Margin	34.40%
Profit Margin	26.37%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

SFST does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	0.32%
Shareholder Yield	0.32%
Earnings Yield	6.34%
FCF Yield	n/a

Analyst Forecast

The average price target for SFST is $64.00, which is 9.87% higher than the current price. The consensus rating is "Buy".

Price Target	$64.00
Price Target Difference	9.87%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 30, 2013. It was a forward split with a ratio of 1.1:1.

Last Split Date	Jan 30, 2013
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2