Southern First Bancshares, Inc.
General ticker "SFST" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $315.5M (TTM average)
Southern First Bancshares, Inc. follows the US Stock Market performance with the rate: 65.9%.
Estimated limits based on current volatility of 1.8%: low 53.62$, high 55.60$
Factors to consider:
- Earnings expected soon, date: 2026-01-27 bmo
- Total employees count: 297 (+0.3%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Geographic concentration, New business line risks, Risk management effectiveness
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [37.76$, 52.91$]
- 2025-12-31 to 2026-12-31 estimated range: [36.10$, 51.81$]
Financial Metrics affecting the SFST estimates:
- Negative: with PPE of 20.8 at the end of fiscal year the price was high
- Positive: 7.54 < Operating profit margin, % of 9.33
- Positive: 6.63 < Operating cash flow per share per price, % of 7.91
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Positive: -14.19 < Investing cash flow per share per price, % of -8.93
- Positive: Industry earnings per price (median), % of 6.50 > 4.45
- Negative: Shareholder equity ratio, % of 8.08 <= 19.35
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of 0.38
- Positive: Industry operating profit margin (median), % of 21.25 > 9.53
Short-term SFST quotes
Long-term SFST plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $127.64MM | $187.46MM | $213.32MM |
| Operating Expenses | $89.52MM | $170.03MM | $193.41MM |
| Operating Income | $38.11MM | $17.43MM | $19.91MM |
| Interest Expense | $20.04MM | $99.94MM | $119.99MM |
| Income(Loss) | $38.11MM | $17.43MM | $19.91MM |
| Taxes | $9.00MM | $4.00MM | $4.38MM |
| Profit(Loss)* | $29.11MM | $13.43MM | $15.53MM |
| Stockholders Equity | $294.51MM | $312.47MM | $330.44MM |
| Assets | $3,691.98MM | $4,055.79MM | $4,087.59MM |
| Operating Cash Flow | $50.30MM | $17.65MM | $25.56MM |
| Capital expenditure | $13.95MM | $1.24MM | $0.79MM |
| Investing Cash Flow | $-792.58MM | $-378.57MM | $-28.86MM |
| Financing Cash Flow | $745.94MM | $346.22MM | $9.99MM |
| Earnings Per Share** | $3.66 | $1.67 | $1.92 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.