SFST Southern First Bancshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 3, 2026
$60.85
· of 52w range
· above low
· to high
$40.9052w low
$65.0952w high
Market Cap (MRQ)
$576M
P/E (TTM)
13.1
EPS (TTM)
$4.65
Revenue (TTM)
$6M
your badges
52W Range
$41–$65
Analyst Rating
BUY
Price Target
$68
P/E
13.1
ROE
9.9%
Net Profit Margin
648.7%
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SFST Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$60.85
Market Cap (MRQ)
$576M
P/E (TTM)
13.1
EPS (TTM)
$4.65
Revenue (TTM)
$6M
ROE (TTM)
9.9%
52W Range
$41–$65
SFST Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Jan. 30, 2013 | 11-for-10 | Forward |
| Feb. 1, 2012 | 11-for-10 | Forward |
| Jan. 26, 2011 | 11-for-10 | Forward |
| July 20, 2006 | 11-for-10 | Forward |
| Nov. 18, 2003 | 3-for-2 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$6M2019-12-31 → 2025-12-31
EPS$3.722019-12-31 → 2025-12-31
Free Cash Flow$30M2019-12-31 → 2025-12-31
Net margin648.7%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | SFST | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 13.15Y avg ≈16.1 | ≈16.1 | 10.3 | Overvalued | |
| P/S (TTM) | 94.45Y avg ≈66.2 | ≈66.2 | 3.0 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.2 | ≈1.2 | 1.3 | Fair value | |
| Price / FCF (TTM) | 14.75Y avg ≈13.0 | ≈13.0 | · | · | |
| Price / Cash Flow (TTM) | 14.05Y avg ≈11.4 | ≈11.4 | 11.5 | Overvalued | |
| Price / Tangible Book | 1.45Y avg ≈1.2 | ≈1.2 | · | · | |
| PEG Ratio | ≈1.3 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | SFST | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 68.5%5Y avg ≈75.9% | ≈75.9% | 1.7% | Top tier | |
| Pretax Margin (TTM) | 836.1%5Y avg ≈572.5% | ≈572.5% | 40.4% | Top tier | |
| Net Profit Margin (TTM) | 648.7%5Y avg ≈439.9% | ≈439.9% | 33.6% | Top tier | |
| ROA (TTM) | 0.88%5Y avg ≈0.81% | ≈0.81% | 1.2% | Weak | |
| ROE (TTM) | 9.9%5Y avg ≈9.0% | ≈9.0% | 11.9% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | SFST | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 13.0%5Y avg ≈-11.7% | ≈-11.7% | · | · | |
| Revenue CAGR 3Y | 14.4%5Y avg ≈-16.0% | ≈-16.0% | · | · | |
| Revenue CAGR 5Y | -20.5% | · | · | · | |
| EPS YoY | 94.8%5Y avg ≈33.5% | ≈33.5% | · | · | |
| Net Income YoY | 95.5%5Y avg ≈34.9% | ≈34.9% | · | · | |
| EPS CAGR 3Y | 1.0%5Y avg ≈-13.6% | ≈-13.6% | · | · | |
| EPS CAGR 5Y | 9.7% | · | · | · | |
| Net Income CAGR 3Y | 1.4%5Y avg ≈-13.1% | ≈-13.1% | · | · | |
| Net Income CAGR 5Y | 10.6% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | SFST | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$19.9K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
10.4%
Next Report
Oct 26, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 20, 2026 | $1.20 | $1.21 | -1.1% |
| March 31, 2026 | $1.19 | $1.25 | -5.1% | |
| Dec. 31, 2025 | $1.26 | $1.01 | 24.2% | |
| Sept. 30, 2025 | $1.07 | $0.91 | 17.9% | |
| June 30, 2025 | $0.81 | $0.66 | 22.2% | |
| March 31, 2025 | $0.65 | $0.62 | 4.5% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6M | $6M | $4M | $4M | $11M | $20M | $10M | $6M | $5M | |
| Interest Expense | · | · | $100M | $20M | $5M | $15M | $25M | $17M | $10M | |
| Interest Income | $211M | $201M | $178M | $118M | $93M | $95M | $93M | $77M | $61M | |
| Pretax Income | $40M | $20M | $17M | $38M | $61M | $24M | $35M | $29M | $24M | |
| Income Tax | $9M | $4M | $4M | $9M | $14M | $5M | $8M | $6M | $11M | |
| Net Income | $30M | $16M | $13M | $29M | $47M | $18M | $28M | $22M | $13M | |
| EPS (Basic) | $3.75 | $1.92 | $1.67 | $3.66 | $5.96 | $2.37 | $3.70 | $3.02 | $1.86 | |
| EPS (Diluted) | $3.72 | $1.91 | $1.66 | $3.61 | $5.85 | $2.34 | $3.58 | $2.88 | $1.76 | |
| Shares (Basic) | 8,091,322 | 8,080,623 | 8,046,633 | 7,958,294 | 7,843,692 | 7,718,615 | 7,528,283 | 7,384,200 | 7,005,703 | |
| Shares (Diluted) | 8,160,464 | 8,117,057 | 8,078,454 | 8,071,690 | 7,988,980 | 7,824,214 | 7,772,544 | 7,737,495 | 7,393,377 | |
| EBITDA | $4M | $5M | $5M | $4M | $2M | $2M | $2M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | $5M | $101M | $128M | $73M | $92M | |
| PP&E (Net) | $83M | $89M | $94M | $99M | $92M | $60M | $58M | $32M | · | |
| PP&E (Gross) | $64M | $68M | $72M | $76M | $66M | $41M | $39M | $32M | · | |
| Accum. Depreciation | $31M | $27M | $22M | $17M | $16M | $14M | $13M | $11M | · | |
| Total Assets | $4.40B | $4.09B | $4.06B | $3.69B | $2.93B | $2.48B | $2.27B | $1.90B | · | |
| Capital Leases | · | · | · | $26M | · | · | · | · | · | |
| Total Liabilities | $4.03B | $3.76B | $3.74B | $3.40B | $2.65B | $2.25B | $2.06B | $1.73B | · | |
| Common Stock | $82.0K | $82.0K | $81.0K | $80.0K | $79.0K | · | · | · | · | |
| Paid-in Capital | $126M | $125M | $122M | $119M | $114M | $109M | $106M | $103M | · | |
| Retained Earnings | $251M | $221M | $206M | $192M | $166M | $119M | $101M | $73M | · | |
| AOCI | $-7M | $-11M | $-11M | $-13M | $-740.0K | $1M | $-298.0K | $-917.0K | · | |
| Stockholders' Equity | $369M | $330M | $312M | $295M | $278M | $228M | $206M | $174M | $150M | |
| Liabilities + Equity | $4.40B | $4.09B | $4.06B | $3.69B | $2.93B | $2.48B | $2.27B | $1.90B | · | |
| Shares Outstanding | 8,213,328 | 8,164,872 | 8,088,186 | 8,011,045 | 7,925,819 | 7,772,748 | 7,672,678 | 7,466,481 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $4M | $5M | $5M | $4M | $2M | $2M | $2M | $2M | · | |
| Stock-based Comp | $2M | $2M | $2M | $2M | $2M | $1M | $2M | $2M | $1M | |
| Deferred Tax | $-1M | $-1M | $-228.0K | $-757.0K | $2M | $-6M | $-420.0K | $-125.0K | $3M | |
| Other Non-cash | $-5M | $4M | $-2M | $16M | $26M | $4M | $-13M | · | · | |
| Operating Cash Flow | $30M | $26M | $18M | $50M | $78M | $21M | $18M | $32M | $17M | |
| CapEx | $581.0K | $785.0K | $1M | $14M | $27M | $7M | $8M | $2M | $5M | |
| Investing Cash Flow | $-206M | $-29M | $-379M | $-793M | $-411M | $-231M | $-276M | $-302M | $-239M | |
| Stock Issued | · | · | · | · | · | · | · | · | $25M | |
| Financing Cash Flow | $283M | $10M | $346M | $746M | $399M | $183M | $312M | $251M | $267M | |
| Net Change in Cash | · | · | · | · | · | · | $55M | $-19M | $46M | |
| Free Cash Flow | $30M | $25M | $16M | $36M | $52M | $13M | $10M | · | · | |
| Levered FCF | · | · | $-61M | $21M | $47M | $2M | $-10M | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 483.4% | 279.3% | 332.7% | 693.5% | 410.6% | 92.6% | 280.7% | · | · | |
| Pretax Margin | 630.5% | 358.1% | 431.8% | 907.9% | 534.5% | 120.4% | 357.5% | · | · | |
| EBITDA Margin | 68.5% | 84.5% | 118.9% | 88.1% | 19.3% | 10.6% | 19.1% | · | · | |
| ROA | 0.72% | 0.38% | 0.35% | 0.88% | 1.7% | 0.74% | 1.2% | · | · | |
| ROE | 8.5% | 4.7% | 4.4% | 10.0% | 17.2% | 8.2% | 13.8% | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $44.89 | $40.47 | $38.63 | $36.76 | $35.06 | $29.37 | $26.83 | · | · | |
| Revenue / Share | $0.77 | $0.69 | $0.50 | $0.52 | $1.42 | $2.53 | $1.28 | · | · | |
| Cash Flow / Share | $3.73 | $3.15 | $2.19 | $6.23 | $9.77 | $2.64 | $2.35 | · | · | |
| Cash / Share | · | · | · | $0.72 | · | $12.95 | $16.66 | · | · | |
| EPS (TTM) | $3.72 | $1.91 | $1.66 | $3.61 | $5.85 | $2.34 | $3.58 | $2.88 | $1.76 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 13.0% | 37.8% | -3.9% | -63.1% | -42.5% | · | · | · | · | |
| Revenue CAGR 3Y | 14.4% | -21.2% | -41.1% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | -20.5% | · | · | · | · | · | · | · | · | |
| EPS YoY | 94.8% | 15.1% | -54.0% | -38.3% | 150.0% | · | · | · | · | |
| EPS CAGR 3Y | 1.0% | -31.1% | -10.8% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 9.7% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 95.5% | 15.7% | -53.9% | -37.7% | 154.9% | · | · | · | · | |
| Net Income CAGR 3Y | 1.4% | -30.7% | -9.8% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 10.6% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $6M | $6M | $4M | $4M | $11M | $20M | $10M | $6M | $5M | |
| Net Income TTM | $30M | $16M | $13M | $29M | $47M | $18M | $28M | $22M | $13M | |
| Market Cap | $423M | $325M | $300M | $367M | $495M | $275M | $326M | · | · | |
| P/E | 13.8 | 20.8 | 22.3 | 12.7 | 10.7 | 15.1 | 11.9 | 11.1 | 23.4 | |
| P/S | 67.4 | 58.4 | 74.3 | 87.3 | 43.5 | 13.9 | 32.9 | · | · | |
| P/B | 1.1 | 1.0 | 1.0 | 1.2 | 1.8 | 1.2 | 1.6 | · | · | |
| P / Tangible Book | 1.1 | 1.0 | 1.0 | 1.2 | 1.8 | 1.2 | · | · | · | |
| P / Cash Flow | 13.9 | 12.7 | 17.0 | 7.3 | 6.3 | 13.3 | 17.8 | · | · | |
| P / FCF | 14.2 | 13.1 | 18.3 | 10.1 | 9.6 | 20.6 | 33.1 | · | · | |
| Earnings Yield | 7.2% | 4.8% | 4.5% | 7.9% | 9.4% | 6.6% | 8.4% | 9.0% | 4.3% |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1M | $1M | $2M | $2M | $2M | $1M | $1M | $1M | $2M | $1M | $1M | $1M | $622.0K | $290.0K | $1M | $1M | |
| Interest Expense | · | · | · | · | · | · | · | · | $31M | $30M | $28M | $24M | $18M | · | $5M | $2M | |
| Interest Income | $58M | $55M | $55M | $55M | $52M | $50M | $51M | $51M | $51M | $48M | $47M | $43M | $38M | $35M | $31M | $27M | |
| Pretax Income | $14M | $12M | $13M | $11M | $9M | $7M | $7M | $6M | $4M | $3M | $5M | $3M | $4M | $7M | $11M | $10M | |
| Income Tax | $3M | $3M | $3M | $3M | $2M | $2M | $1M | $1M | $909.0K | $862.0K | $1M | $800.0K | $836.0K | $2M | $3M | $2M | |
| Net Income | $11M | $10M | $10M | $9M | $7M | $5M | $6M | $4M | $3M | $3M | $4M | $2M | $3M | $5M | $8M | $7M | |
| EPS (Basic) | $1.22 | $1.21 | $1.21 | $1.08 | $0.81 | $0.65 | $0.70 | $0.54 | $0.37 | $0.31 | $0.51 | $0.31 | $0.34 | $0.69 | $1.06 | $0.91 | |
| EPS (Diluted) | $1.20 | $1.19 | $1.19 | $1.07 | $0.81 | $0.65 | $0.69 | $0.54 | $0.37 | $0.31 | $0.51 | $0.31 | $0.33 | $0.69 | $1.04 | $0.90 | |
| Shares (Basic) | 9,184,699 | 8,163,412 | · | 8,030,944 | 8,118,895 | 8,078,355 | · | 8,064,283 | 8,125,869 | 8,110,249 | 8,052,926 | 8,051,131 | 8,025,876 | · | 7,972,146 | 7,957,631 | |
| Shares (Diluted) | 9,318,515 | 8,292,852 | · | 8,080,459 | 8,133,789 | 8,110,514 | · | 8,089,176 | 8,140,822 | 8,141,921 | 8,072,408 | 8,069,028 | 8,092,270 | · | 8,065,087 | 8,054,910 | |
| EBITDA | · | $945.0K | · | · | · | $1M | · | · | · | $1M | · | · | $1M | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $88M | $89M | $83M | $85M | $86M | $87M | $89M | $90M | $92M | $93M | $96M | $97M | $98M | · | $100M | $97M | |
| PP&E (Gross) | · | · | $64M | · | · | · | $68M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $31M | · | · | · | $27M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $4.70B | $4.58B | $4.40B | $4.36B | $4.31B | $4.28B | $4.09B | $4.17B | $4.11B | $4.11B | $4.02B | $4.00B | $3.94B | · | $3.44B | $3.29B | |
| Capital Leases | · | · | · | · | · | · | · | · | · | · | $25M | $25M | $26M | · | · | · | |
| Total Liabilities | $4.25B | $4.20B | $4.03B | $4.00B | $3.96B | $3.95B | $3.76B | $3.85B | $3.79B | $3.79B | $3.72B | $3.70B | $3.64B | · | $3.15B | $3.01B | |
| Common Stock | $95.0K | $82.0K | $82.0K | $82.0K | $82.0K | $82.0K | $82.0K | $82.0K | $82.0K | $82.0K | $81.0K | $81.0K | $80.0K | · | $80.0K | $80.0K | |
| Paid-in Capital | $189M | $127M | $126M | $125M | $125M | $125M | $125M | $124M | $124M | $124M | $122M | $121M | $121M | · | $118M | $118M | |
| Retained Earnings | $273M | $261M | $251M | $242M | $233M | $226M | $221M | $215M | $211M | $208M | $201M | $197M | $195M | · | $187M | $178M | |
| AOCI | $-8M | $-8M | $-7M | $-8M | $-10M | $-10M | $-11M | $-9M | $-12M | $-12M | $-15M | $-13M | $-12M | · | $-14M | $-10M | |
| Stockholders' Equity | $452M | $379M | $369M | $356M | $345M | $338M | $330M | $327M | $319M | $315M | $304M | $302M | $299M | $295M | $288M | $283M | |
| Liabilities + Equity | $4.70B | $4.58B | $4.40B | $4.36B | $4.31B | $4.28B | $4.09B | $4.17B | $4.11B | $4.11B | $4.02B | $4.00B | $3.94B | · | $3.44B | $3.29B | |
| Shares Outstanding | 9,468,467 | 8,247,665 | 8,213,328 | 8,189,177 | 8,180,715 | 8,168,865 | 8,164,872 | 8,156,097 | 8,155,097 | 8,156,109 | 8,088,638 | 8,058,438 | 8,047,975 | · | 7,997,344 | 7,985,644 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $956.0K | $945.0K | $981.0K | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | · | $1M | $758.0K | |
| Stock-based Comp | $702.0K | $623.0K | $591.0K | $539.0K | $605.0K | $537.0K | $584.0K | $582.0K | $562.0K | $555.0K | $519.0K | $473.0K | $483.0K | $525.0K | $514.0K | $495.0K | |
| Other Non-cash | · | $-682.0K | · | · | · | $610.0K | · | · | · | $-7M | · | · | $-3M | · | · | · | |
| Operating Cash Flow | $18M | $11M | $-2M | $14M | $10M | $8M | $-2M | $26M | $4M | $-3M | $16M | $-7M | $1M | $13M | $22M | $7M | |
| CapEx | $1M | $280.0K | $272.0K | $88.0K | $80.0K | $141.0K | $218.0K | $195.0K | $92.0K | $280.0K | $353.0K | $587.0K | $180.0K | $816.0K | $4M | $3M | |
| Investing Cash Flow | $-111M | $-95M | $-53M | $-43M | $-60M | $-50M | $-13M | $-8M | $24M | $-32M | $-79M | $-122M | $-143M | $-251M | $-185M | $-186M | |
| Financing Cash Flow | $112M | $157M | $41M | $41M | $16M | $185M | $-83M | $47M | $-812.0K | $46M | $10M | $61M | $243M | $248M | $141M | $212M | |
| Free Cash Flow | · | $10M | · | · | · | $7M | · | · | · | $-3M | · | · | $1M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-25M | · | · | $-13M | · | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 846.2% | 662.2% | · | 541.4% | 419.4% | 369.8% | · | 302.4% | 156.0% | 216.7% | 339.2% | 183.8% | 434.6% | · | 684.0% | 611.5% | |
| Pretax Margin | 1093.0% | 836.2% | · | 708.3% | 547.7% | 485.3% | · | 395.2% | 203.2% | 290.7% | 438.2% | 243.7% | 569.0% | · | 905.5% | 809.6% | |
| EBITDA Margin | · | 63.3% | · | · | · | 82.1% | · | · | · | 104.3% | · | · | 193.4% | · | · | · | |
| ROA | 0.25% | 0.22% | · | 0.20% | 0.16% | 0.13% | · | 0.11% | 0.07% | 0.06% | 0.11% | 0.07% | 0.08% | · | 0.27% | 0.24% | |
| ROE | 2.8% | 2.8% | · | 2.5% | 2.0% | 1.6% | · | 1.4% | 0.97% | 0.82% | 1.4% | 0.84% | 0.94% | · | 3.0% | 2.7% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $47.77 | $46.00 | · | $43.51 | $42.23 | $41.33 | · | $40.04 | $39.09 | $38.65 | $37.57 | $37.42 | $37.20 | · | $35.99 | $35.39 | |
| Revenue / Share | $0.14 | $0.18 | · | $0.20 | $0.19 | $0.18 | · | $0.18 | $0.24 | $0.14 | $0.15 | $0.17 | $0.08 | · | $0.15 | $0.15 | |
| Cash Flow / Share | · | $1.30 | · | · | · | $0.93 | · | · | · | $-0.36 | · | · | $0.15 | · | · | · | |
| EPS (TTM) | $4.65 | $4.26 | · | $3.22 | $2.69 | $2.25 | · | $1.73 | $1.70 | $1.64 | $1.84 | $2.37 | $2.96 | · | $4.42 | $5.13 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $6M | $6M | · | $6M | $5M | $6M | · | $5M | $5M | $5M | $3M | $3M | $3M | · | $6M | $7M | |
| Net Income TTM | $40M | $35M | · | $26M | $22M | $18M | · | $14M | $14M | $13M | $15M | $19M | $24M | · | $36M | $41M | |
| Market Cap | $579M | $449M | · | $361M | $311M | $269M | · | $278M | $238M | $259M | $218M | $199M | $247M | · | $333M | $348M | |
| P/E | 13.1 | 12.8 | · | 13.7 | 14.1 | 14.6 | · | 19.7 | 17.2 | 19.4 | 14.6 | 10.4 | 10.4 | · | 9.4 | 8.5 | |
| P/S | 94.8 | 70.8 | · | 64.3 | 56.9 | 46.2 | · | 51.4 | 46.2 | 56.6 | 63.0 | 57.3 | 74.3 | · | 57.1 | 46.8 | |
| P/B | 1.3 | 1.2 | · | 1.0 | 0.9 | 0.8 | · | 0.9 | 0.7 | 0.8 | 0.7 | 0.7 | 0.8 | · | 1.2 | 1.2 | |
| P / Tangible Book | 1.3 | 1.2 | · | 1.0 | 0.9 | 0.8 | · | 0.9 | 0.7 | 0.8 | 0.7 | 0.7 | 0.8 | · | 1.2 | 1.2 | |
| P / Cash Flow | · | 41.7 | · | · | · | 35.5 | · | · | · | -88.6 | · | · | 199.7 | · | · | · | |
| Earnings Yield | 7.6% | 7.8% | · | 7.3% | 7.1% | 6.8% | · | 5.1% | 5.8% | 5.2% | 6.8% | 9.6% | 9.6% | · | 10.6% | 11.8% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $6M | $6M | $4M | $4M | $11M |
| Net Income | $30M | $16M | $13M | $29M | $47M |
| Diluted EPS | $3.72 | $1.91 | $1.66 | $3.61 | $5.85 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $30M | $25M | $16M | $36M | $52M |
Institutional owners (13F) 168 filers · $489.3M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
168
Value held
$489.3M
New positions
37
Exited positions
18
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 37 (+3 vs prior Q) | 18 (+8 vs prior Q) | 74 (+30 vs prior Q) | 22 (-11 vs prior Q) | +2.0M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| FJ Capital Management LLC | $54,514,825 | 892,223 | 11.14% | Shares |
| BlackRock, Inc. | $50,735,911 | 830,375 | 10.37% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $40,500,746 | 662,860 | 8.28% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $23,999,408 | 392,789 | 4.90% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $23,698,370 | 387,861 | 4.84% | Shares |
| STATE STREET CORP | $22,822,133 | 373,521 | 4.66% | Shares |
| VANGUARD GROUP INC | $22,514,962 | 437,014 | 4.60% | Shares |
| AMERIPRISE FINANCIAL INC | $15,131,050 | 247,644 | 3.09% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $14,487,106 | 237,053 | 2.96% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $11,383,358 | 186,307 | 2.33% | Shares |
| Walleye Capital LLC | $10,997,511 | 179,992 | 2.25% | Shares |
| BANC FUNDS CO LLC | $9,938,221 | 162,655 | 2.03% | Shares |
| AMERICAN CENTURY COMPANIES INC | $9,645,123 | 157,858 | 1.97% | Shares |
| MORGAN STANLEY | $7,701,154 | 126,040 | 1.57% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $7,454,200 | 122,000 | 1.52% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7,095,543 | 116,130 | 1.45% | Shares |
| GOLDMAN SACHS GROUP INC | $6,533,118 | 106,925 | 1.34% | Shares |
| JPMORGAN CHASE & CO | $5,868,932 | 96,212 | 1.20% | Shares |
| ALLIANCEBERNSTEIN L.P. | $5,809,155 | 106,590 | 1.19% | Shares |
| Stieven Capital Advisors, L.P. | $5,750,365 | 94,114 | 1.18% | Shares |
| BANK OF AMERICA CORP /DE/ | $5,619,122 | 91,966 | 1.15% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $5,343,073 | 87,448 | 1.09% | Shares |
| NORTHERN TRUST CORP | $5,241,464 | 85,785 | 1.07% | Shares |
| Russell Investments Group, Ltd. | $4,704,577 | 76,998 | 0.96% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $4,669,750 | 76,428 | 0.95% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $4,661,563 | 76,294 | 0.95% | Shares |
| ZACKS INVESTMENT MANAGEMENT | $4,102,687 | 67,146 | 0.84% | Shares |
| MILLENNIUM MANAGEMENT LLC | $4,062,356 | 66,487 | 0.83% | Shares |
| Trexquant Investment LP | $4,052,030 | 66,318 | 0.83% | Shares |
| GABELLI FUNDS LLC | $3,820,827 | 62,534 | 0.78% | Shares |
| Qube Research & Technologies Ltd | $3,630,501 | 59,419 | 0.74% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,615,715 | 59,177 | 0.74% | Shares |
| EJF Capital LP | $3,318,830 | 54,318 | 0.68% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $3,022,311 | 49,465 | 0.62% | Shares |
| CITADEL ADVISORS LLC | $3,014,246 | 49,333 | 0.62% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,948,992 | 48,265 | 0.60% | Shares |
| ALGERT GLOBAL LLC | $2,511,699 | 41,108 | 0.51% | Shares |
| D. E. Shaw & Co., Inc. | $2,444,122 | 40,002 | 0.50% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,254,223 | 36,894 | 0.46% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $2,092,430 | 34,246 | 0.43% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $1,895,383 | 31,021 | 0.39% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,817,175 | 29,741 | 0.37% | Shares |
| Voleon Capital Management LP | $1,816,503 | 29,730 | 0.37% | Shares |
| Abacus Planning Group, Inc. | $1,786,503 | 29,239 | 0.37% | Shares |
| Empowered Funds, LLC | $1,785,770 | 29,227 | 0.36% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $1,779,171 | 29,119 | 0.36% | Shares |
| XTX Topco Ltd | $1,708,478 | 27,962 | 0.35% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,658,621 | 27,146 | 0.34% | Shares |
| Bank of New York Mellon Corp | $1,629,046 | 26,662 | 0.33% | Shares |
| BARCLAYS PLC | $1,611,574 | 26,376 | 0.33% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Undisclosed reporting person | Dec. 23, 2002 | · | Initial filing | Passive investment | SEC |
| Undisclosed reporting person | Dec. 23, 2002 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 34 insiders · 12 officers · 18 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Christian J Zych | Chief Financial Officer | May 21, 2026 F | 7,078 | 0 | 0 | $0 |
| David Andrew Borrmann | Chief Financial Officer | Jan. 16, 2024 A | 13,500 | 0 | 0 | $0 |
| James M Austin III | Chief Financial Officer | Jan. 19, 2010 A | 20,950 | 0 | 0 | $0 |
| Calvin C Hurst | President | Feb. 1, 2026 F | 18,383 | 0 | 0 | $0 |
| Justin F Strickland | President | Nov. 12, 2019 S | 70,363 | 0 | 0 | $0 |
| Silvia T King | Chief Human Resources Officer | Feb. 26, 2026 M | 3,963 | 0 | 1 | $-158,786 |
| Wesley Clark Wilbanks | Chief Credit Officer | Feb. 1, 2026 F | 6,254 | 0 | 0 | $0 |
| William M. Aiken III | Chief Risk Officer | Feb. 1, 2025 A | 13,819 | 0 | 0 | $0 |
| Frederick Gilmer III | Executive Vice President | Jan. 19, 2016 A | 30,780 | 0 | 0 | $0 |
| Michael M Strickland | Executive Vice President | Jan. 18, 2011 A | · | 0 | 0 | $0 |
| Gwen G Bridges | Executive Vice President | Jan. 19, 2010 A | · | 0 | 0 | $0 |
| Jonathan Edward Terrell | Executive Vice President | Dec. 22, 2008 D | 4,053 | 0 | 0 | $0 |
| James B Orders III | Director | Sept. 18, 2026 S | 46,481 | 0 | 1 | $-499,192 |
| Anna T Locke | Director | Sept. 14, 2026 P | 3,902 | 2 | 0 | $28,892 |
| Leighton M Cubbage | Director | Sept. 3, 2026 S | 46,600 | 0 | 10 | $-303,597 |
| Ray Lattimore | Director | June 23, 2026 S | 1,127 | 0 | 1 | $-14,998 |
| William M. Mcclatchey JR | Director | June 1, 2026 A | 795 | 0 | 0 | $0 |
| Darrin Goss Sr. | Director | June 1, 2026 A | 795 | 0 | 0 | $0 |
| Jennifer S Cluverius | Director | June 1, 2026 A | 795 | 0 | 0 | $0 |
| Terry Grayson-Caprio | Director | June 1, 2026 A | 2,795 | 0 | 0 | $0 |
| William Maner IV | Director | June 1, 2026 A | 3,895 | 1 | 0 | $20,940 |
| Iii Bryan F Kennedy, | Director | June 1, 2026 A | 310 | 0 | 0 | $0 |
| Tecumseh Hooper JR | Director | June 1, 2026 A | 43,192 | 0 | 0 | $0 |
| Rudolph G Johnstone III | Director | June 1, 2026 A | 30,676 | 0 | 0 | $0 |
| Andrew B Cajka JR | Director | June 1, 2026 A | 12,696 | 0 | 0 | $0 |
| David G Ellison | Director | June 1, 2026 A | 49,971 | 2 | 1 | $-40,180 |
| Mark A Cothran | Director | June 1, 2026 A | 100,386 | 0 | 0 | $0 |
| Anne S Ellefson | Director | June 1, 2026 A | 7,007 | 0 | 0 | $0 |
| Fred Gilmer JR | Director | July 29, 2019 S | 46,290 | 0 | 0 | $0 |
| William B Sturgis | Director | June 19, 2015 P | 81,834 | 0 | 0 | $0 |
| Arthur R Seaver JR | · | Aug. 12, 2026 M | 92,026 | 0 | 6 | $-1,886,775 |
| Julie Ann Fairchild | · | Aug. 4, 2026 M | 6,700 | 0 | 3 | $-251,900 |
| Michael D Dowling | · | May 15, 2023 M | 50,870 | 0 | 0 | $0 |
| Keith J Marrero | · | June 9, 2004 P | 300 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 22 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| DPST · Direxion Shares ETF Trust | 0.15% | 10,580 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.14% | 31,794 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 8,012 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 979 SH | Oct. 1, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 53,117 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 242,452 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.02% | 45,383 NS | July 31, 2026 | N-PORT |
| RSSL · Global X Funds | 0.02% | 4,375 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.02% | 21,040 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 6,838 SH | Oct. 1, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 30,434 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 103,059 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 14,291 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.01% | 526 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 21,418 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 891 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,003 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 2,990 SH | Sept. 3, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 2,601 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 280,877 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 874 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 88,391 SH | Sept. 11, 2026 | Daily |
SFST Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$68.50
+12.6%
2 25.0%
Strong Buy
4 50.0%
Buy
2 25.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-09-20Mean target $68.50 +12.6%
← Below all targets
Current price $60.85
Low$67.00
Mean$68.50
High$70.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| SFST | $423M | 13.8 | 13.0% | 483.4% | 8.5% | · |
| CCB | $1.73B | 37.4 | -6.8% | 8.7% | 9.9% | · |
| KRNY | $611M | 16.6 | · | 20.4% | 4.8% | · |
| FBIZ | $452M | 9.1 | 9.9% | 29.8% | 14.1% | · |
| GCBC | $572M | 13.9 | 22.9% | 44.3% | 15.3% | · |
| BWB | $487M | 11.8 | 30.8% | 32.1% | 9.3% | · |
| CIVB | · | 8.4 | -0.52% | 242.9% | 9.8% | · |
| UNTY | $516M | 9.1 | 23.1% | 44.0% | 18.1% | · |
| NRIM | $588M | 9.3 | 30.4% | 25.3% | 20.9% | 81.7% |
| HBCP | $453M | 9.8 | 10.2% | 31.0% | 10.9% | · |
| BWFG | $362M | 10.3 | 44.0% | 1245.5% | 12.0% | · |
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Source: SEC 10-Q filed Aug 3, 2026