SFST
NASDAQ
US
Southern First Bancshares, Inc. - Common Stock
$55.25
▲ +$0.30
(+0.55%)
Vol 120K
11
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$421.9M
P/E
16.1
ROE
7.6%
Margin
16.0%
D/E
6.99
Beta
0.78
52W
$29–$57
Wall Street Consensus
7 analysts · Apr 20262
Strong Buy
4
Buy
1
Hold
0
Sell
0
Strong Sell
85.7%
Buy Rating
Price Chart
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Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $1.01 | $1.26 | +$0.25 |
| Sep 2025 | $0.91 | $1.07 | +$0.16 |
| Jun 2025 | $0.66 | $0.81 | +$0.15 |
| Mar 2025 | $0.62 | $0.65 | +$0.03 |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 6.5% | 6.5% | 6.5% | 7.6% | 7.6% | 7.6% |
| P/E (TTM) | 14.21 | 15.61 | 16.39 | 13.72 | 16.17 | 16.14 |
| Net Margin | — | 16.0% | 16.0% | 16.0% | 16.0% | 16.0% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 7.21 | 7.21 | 7.21 | 6.99 | 6.99 | 6.99 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.6%
P/S (TTM)
2.59
P/B
1.0
EPS (TTM)
$3.23
CF/Share
$2.42
Rev Growth 3Y
+8.3%
52W High
$56.73
52W Low
$29.14
$29.14
52-Week Range
$56.73
How does SFST compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
SFST valuation vs Banking peers
P/E ratio
16.1
▲
28%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.6
▲
12%
above
peers
(2.3)
vs Peers
vs Industry
Fair value
P/B ratio
1.0
▼
7%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
—
▼
0%
below
peers
(3.0%)
vs Peers
vs Industry
Strong yield
SFST profitability vs Banking peers
ROE
7.6%
▼
15%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
16.0%
▼
44%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.6%
▼
36%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
SFST financial health vs Banking peers
D/E ratio
7.0
▼
49%
below
peers
(13.8)
vs Peers
vs Industry
Low debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.8
▲
13%
above
peers
(0.7)
vs Peers
vs Industry
Less volatile
SFST fundamentals radar
SFST
Peer median
Industry
SFST profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
SFST vs peers: key metrics
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