Southern First Bancshares, Inc.
SFST
NASDAQ·Financial Services·Banks - Regional·Mkt cap $602.1M
$63.68
▲ +1.26%
P/E
13.55
Mkt Cap
$602.1M
52-Wk Range
$40.90–$65.09
52-Week Range
$40.90 - $65.09
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 41.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Regional market expertise and community relationships across Southeast
- Diversified loan portfolio with strong commercial real estate focus
- Integrated digital banking platform with mobile and online services
- Strategic branch locations in high-growth markets (Charleston, Raleigh, Charlotte, Atlanta)
Bear Case
1 risk
- Low volatility (beta 0.7).
Growth
Revenue decline expected
Expansion into adjacent Southeast markets with economic growth potential
Value
Valued in line with Commercial Banking peers (1.1x).
Momentum
Strong
+6.7% over 3m
Quality
Excellent
High-growth business (11% revenue growth, 61% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying SFST right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 27, 2026
JUL 21, 2026
Reported EPS of $1.20 vs $1.19 consensus (+0.8% surprise). Revenue of $35.9M vs $36.3M expected (-1.2%).
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+0.8%
Revenue trend · last 8Q
—
—
+24%
+24%
+31%
+26%
+28%
+11%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$23.8M
$25.2M
$26.5M
$28.6M
$58.6M
$57.6M
$33.8M
$61.6M
Margins · last 8Q
Gross
56.5%
Operating
23.5%
Profit
18.2%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How SFST stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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