Southern First Bancshares, Inc.
General ticker "SFST" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $435.8M (TTM average)
Southern First Bancshares, Inc. follows the US Stock Market performance with the rate: 47.9%.
Estimated limits based on current volatility of 1.0%: low 59.40$, high 60.65$
Factors to consider:
- Earnings expected soon, date: 2026-10-27 bmo
- Total employees count: 315 (+6.1%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Interest rate risk, Cybersecurity threats, Liquidity and credit risks, Regulatory and compliance
- Earnings for 6 months up through Q2 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [42.10$, 58.96$]
- 2026-12-31 to 2027-12-31 estimated range: [40.30$, 57.81$]
Financial Metrics affecting the SFST estimates:
- Positive: with PPE of 14.0 at the end of fiscal year the price was neutral
- Positive: 6.77 < Operating cash flow per share per price, % of 7.21
- Positive: 22.58 < Operating profit margin, % of 33.54
- Positive: 7.04 < Shareholder equity ratio, % of 8.37 <= 12.78
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.68
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
Short-term SFST quotes
Long-term SFST plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $87.51MM | $93.36MM | $118.09MM |
| Operating Expenses | $70.09MM | $73.45MM | $78.48MM |
| Operating Income | $17.43MM | $19.91MM | $39.60MM |
| Interest Expense | $99.94MM | $119.99MM | $106.53MM |
| Income(Loss) | $17.43MM | $19.91MM | $39.60MM |
| Taxes | $4.00MM | $4.38MM | $9.24MM |
| Net Income(Loss)* | $13.43MM | $15.53MM | $30.37MM |
| Stockholders Equity | $312.47MM | $330.44MM | $368.66MM |
| Assets | $4,055.79MM | $4,087.59MM | $4,403.49MM |
| Operating Cash Flow | $17.65MM | $25.56MM | $30.46MM |
| Capital expenditure | $1.24MM | $0.79MM | $0.58MM |
| Investing Cash Flow | $-378.57MM | $-28.86MM | $-206.33MM |
| Financing Cash Flow | $346.22MM | $9.99MM | $282.60MM |
| Earnings Per Share** | $1.67 | $1.92 | $3.77 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.