Southern First Bancshares Inc
SFST Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$61.19
KIRA · Stoqly’s AI analyst, in plain words
- Southern First Bancshares Inc had $6.3M of revenue in fiscal 2025, up 13.0% on the year before. Over five years, revenue changed −20.5% a year on average.
- Southern First Bancshares Inc made $30.4M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.5% a year.
- It earned 8.7% on shareholders’ money. Running costs took 1,202.4% of revenue (the efficiency ratio; lower is better).
Market cap
$570M
P/E
13.2x
Revenue
$6.3M
Net income
$30.4M
Return on equity
8.7%
Efficiency ratio
1,202.4%
Southern First Bancshares Inc in 30 seconds · fiscal 2025
Are sales growing?
+13.0%
Yes. Sales grew 13.0% last year.
Does it make a profit?
483.4%
Yes. It keeps 483.4% of every sale as profit.
How lean are its costs?
1,202.4%
Costly. Running costs take 1,202.4% of revenue.
How much does it earn on its capital?
8.7%
Fair. It earns 8.7% a year on shareholders’ money.
How is the share priced?
13.2x
One share costs 13.2 times its yearly profit per share.
What Southern First Bancshares Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 24, 2026
- Legal name
- SOUTHERN FIRST BANCSHARES INC
- CIK
- 0001090009
Southern First Bancshares Inc · SFST
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $11.4M | $4.2M | $4.0M | $5.6M | $6.3M |
| Revenue growth | −42.5% | −63.1% | −3.9% | 37.8% | 13.0% |
| Net interest income | $87.7M | $97.6M | $77.7M | $81.2M | $105M |
| Net income | $46.7M | $29.1M | $13.4M | $15.5M | $30.4M |
| Net margin | 410.6% | 693.5% | 332.7% | 279.3% | 483.4% |
| Diluted EPS | $5.85 | $3.61 | $1.66 | $1.91 | $3.72 |
| Cash | |||||
| Cash from operations | $78.1M | $50.3M | $17.7M | $25.6M | $30.5M |
| Capital expenditure | $26.5M | $14.0M | $1.2M | $0.8M | $0.6M |
| Free cash flow | $51.6M | $36.4M | $16.4M | $24.8M | $29.9M |
| FCF margin | 453.2% | 866.0% | 406.6% | 445.6% | 475.6% |
| Share count change | 2.1% | 1.0% | 0.1% | 0.5% | 0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $5.2M | $5.8M | $156M | $163M | $270M |
| Loans, net | $2.5B | $3.2B | $3.6B | — | — |
| Deposits | $2.6B | $3.1B | $3.4B | $3.4B | $3.7B |
| Shareholders' equity | $278M | $295M | $312M | $330M | $369M |
| Returns and quality | |||||
| Return on equity | 18.5% | 10.2% | 4.4% | 4.8% | 8.7% |
| Return on tangible equity | 16.8% | 9.9% | 4.3% | 4.7% | 8.2% |
| Efficiency ratio | 496.0% | 1,499.1% | 1,705.3% | 1,318.8% | 1,202.4% |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$3.1M
7 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Southern First Bancshares Inc · SFST
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $61.19 a share, the company is worth $570M: 13.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001090009). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.