SFST

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Southern First Bancshares, Inc.

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Key Metrics

Previous Close: $62.51
52-Week Range: $40.90 – $65.09
Market Cap: $595.02M
P/E (TTM): 13.51
EPS (TTM): 4.65
Dividend Yield: —

Advanced Metrics

Price/Book: 1.32
PEG Ratio: —
Return on Equity: 9.93%
Return on Assets: 0.88%
Gross Margin: 0.00%
Operating Margin: 43.95%
Profit Margin: 30.74%
Current Ratio: —
Debt/Equity: —
Total Debt: $280.23M
Free Cash Flow: —
Revenue Growth: 24.80%
Earnings Growth: 48.10%
Enterprise Value: $510.54M

SFST Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$107.59M	$87.51M	$93.36M	$118.09M
Selling, General & Admin	$41.69M	$45.40M	$48.98M	$50.21M
Pretax Income	$38.11M	$17.43M	$19.91M	$39.60M
Income Tax	$9.00M	$4.00M	$4.38M	$9.24M
Net Income	$29.11M	$13.43M	$15.53M	$30.37M
Diluted EPS	3.61	1.66	1.91	3.75
Diluted Shares	8.07M	8.08M	8.12M	8.09M

SFST Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$69.60M	$36.82M	$34.41M	$86.11M
Total Assets	$3.69B	$4.06B	$4.09B	$4.40B
Long-Term Debt	$211.21M	$311.32M	$264.90M	$264.90M
Total Debt	$211.21M	$311.32M	$264.90M	$264.90M
Total Liabilities	$3.40B	$3.74B	$3.76B	$4.03B
Retained Earnings	$192.12M	$205.55M	$221.08M	$251.44M
Shareholders' Equity	$294.51M	$312.47M	$330.44M	$368.66M
Net Debt	$141.62M	$274.50M	$230.49M	$178.79M

SFST Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$50.30M	$17.65M	$25.56M	$30.46M
Capital Expenditure	-$13.95M	-$1.24M	-$785.00K	-$581.00K
Free Cash Flow	$36.35M	$16.41M	$24.77M	$29.88M
Depreciation & Amortisation	$3.70M	$4.82M	$4.81M	$4.31M
Stock-Based Compensation	$2.03M	$1.94M	$2.28M	$2.27M
Investing Cash Flow	-$792.58M	-$378.57M	-$28.86M	-$206.33M
Financing Cash Flow	$745.94M	$346.22M	$9.99M	$282.60M
Net Change in Cash	$3.67M	-$14.70M	$6.69M	$106.72M

SFST Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$28.63M	$31.13M	$31.84M	$33.80M	—
Selling, General & Admin	$12.98M	$12.67M	$11.87M	$13.27M	—
Pretax Income	$8.59M	$11.33M	$12.77M	$12.48M	—
Income Tax	$2.01M	$2.67M	$2.91M	$2.60M	—
Net Income	$6.58M	$8.66M	$9.86M	$9.89M	—
Diluted EPS	0.81	1.07	1.21	1.19	1.20
Diluted Shares	8.13M	8.08M	8.12M	8.29M	9.32M

SFST Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$41.45M	$90.20M	$104.37M	$86.11M	$114.54M
Total Assets	$4.28B	$4.31B	$4.36B	$4.40B	$4.58B
Long-Term Debt	$264.90M	$264.90M	$264.90M	$264.90M	$264.90M
Total Debt	$264.90M	$264.90M	$264.90M	$264.90M	$264.90M
Total Liabilities	$3.95B	$3.96B	$4.00B	$4.03B	$4.20B
Retained Earnings	$226.34M	$232.92M	$241.59M	$251.44M	$261.33M
Shareholders' Equity	$337.60M	$345.46M	$356.35M	$368.66M	$379.41M
Net Debt	$223.46M	$174.71M	$160.53M	$178.79M	$150.36M

SFST Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$7.58M	$10.47M	$14.49M	-$2.09M	$10.77M
Capital Expenditure	-$141.00K	-$80.00K	-$88.00K	-$272.00K	-$280.00K
Free Cash Flow	$7.44M	$10.39M	$14.40M	-$2.36M	$10.49M
Depreciation & Amortisation	$1.17M	$1.13M	$1.02M	$988.00K	$945.00K
Stock-Based Compensation	$537.00K	$605.00K	$539.00K	$591.00K	$623.00K
Investing Cash Flow	-$50.40M	-$60.21M	-$43.20M	-$52.51M	-$94.89M
Financing Cash Flow	$185.02M	$15.71M	$40.59M	$41.27M	$157.31M
Net Change in Cash	$142.19M	-$34.02M	$11.87M	-$13.32M	$73.19M

Market Snapshot

About

Southern First Bancshares, Inc. is the holding company for Southern First Bank, a community bank serving the Carolinas with a focus on providing personalized banking solutions to businesses and individuals. The bank specializes in commercial real estate lending, construction lending, commercial and industrial loans, and traditional deposit services. Southern First combines community bank service with sophisticated banking products tailored to growing businesses and professionals.