Southern First Bancshares Inc (SFST)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 63.50 $ — 99% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AAQS
5/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 15.4%
- Exp. sales growth 3Y > 5% -12.4%
- EBIT growth 10Y > 5% 7.7%
- Exp. EBIT growth 3Y > 5% 28.3%
- Net debt < 4x EBIT 4.5x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 71.3%
- Return on equity > 15% 8.2%
- ROCE > 15% 5.8%
- Expected return > 10% 34.7%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
7 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 20.7% passed
- More than 10% revenue growth is expected for the coming year 18.5% passed
- Share count grows by less than 3% a year 0.1% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 18.6% failed
- Gross margin at 40% or higher and without meaningful erosion 51.3% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 4.0 x EBITDA failed
- Operating cash flow covers the profits of the last three years 14 m passed
- Return on capital at 15% or higher, or up versus two years ago 5.8% passed
- Insiders hold at least 10% or are net buyers 5.4% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 7.9% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 1
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 5.00 | 4.95 – 5.05 | 146 | 33.3% | 2 |
| 12/31/2027 | 6.18 | 5.75 – 6.60 | 172 | 23.5% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.25 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.69 | 34.40 | 54 | 4.70 | 10.40 | -2 | -2 |
| 2025: Q1 | 0.65 | 109.60 | 53 | 3.40 | 10.00 | 8 | 7 |
| 2025: Q2 | 0.81 | 119.60 | 56 | 2.90 | 11.80 | 11 | 10 |
| 2025: Q3 | 1.07 | 97.90 | 59 | 7.80 | 14.80 | 15 | 14 |
| 2025: Q4 | 1.21 | 75.00 | 58 | 6.90 | 17.10 | -2 | -2 |
| 2026: Q1 | 1.19 | 83.60 | 34 | -35.90 | 29.30 | 11 | 11 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 62 | 20 | 13 | 1.94 | 17 | 110 | 1,341 |
| 2017 | 71 | 24 | 13 | 1.76 | 17 | 150 | 1,625 |
| 2018 | 83 | 29 | 22 | 2.88 | 32 | 174 | 1,901 |
| 2019 | 103 | 35 | 28 | 3.58 | 18 | 2,231 | 2,267 |
| 2020 | 122 | 24 | 18 | 2.34 | 21 | 2,447 | 2,483 |
| 2021 | 110 | 61 | 47 | 5.85 | 78 | 2,889 | 2,926 |
| 2022 | 128 | 38 | 29 | 3.61 | 50 | 3,481 | 3,692 |
| 2023 | 187 | 17 | 13 | 1.66 | 18 | 312 | 4,056 |
| 2024 | 213 | 20 | 16 | 1.91 | 26 | 330 | 4,088 |
| 2025 | 225 | 40 | 30 | 3.75 | 30 | 369 | 4,403 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Southern First Bancshares, Inc. ist die Bankholding der Southern First Bank, die der Allgemeinheit Geschäfts-, Verbraucher- und Hypothekenkredite in South Carolina, North Carolina und Georgia anbietet.
| Employees | 315 |
|---|---|
| Headquarters | Greenville, SC |
| Address | 6 Verdae Boulevard, 29607 Greenville, United States |
| Phone | 864 679 9000 |
| Website | southernfirst.com |
| IPO Date | 28. Oct 1999 |
| ISIN | US8428731017 |
| Stock Split | 11:10 on 01/30/2013 |
Management
| Name | Title | Birth Year |
|---|---|---|
| R. Arthur Seaver Jr. | CEO & Director | 1964 |
| Calvin C. Hurst | President & Chief Banking Officer | 1982 |
| Christian J. Zych | Executive VP & CFO | 1972 |
| Julie A. Fairchild | Chief Accounting Officer & Principal Accounting Officer | 1975 |
| Wesley C. Wilbanks | Executive VP & Chief Credit Officer of Southern First Bank | – |
| Silvia T. King | Chief Human Resources Officer | 1978 |
| Brandon Rich | Senior VP & Executive Director of Market Support | – |
| Carl Francois | Executive Director and SVP of BSA, Fraud & Compliance | – |
| Brian Kornahrens | Team Leader & SVP | – |
| Frederick Gilmer III | Executive Vice President of Southern First Bank and Senior Lending Officer of Southern First Bank | 1965 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 23. Jun 2026 | Lattimore Ray | Director | Sell | 253 | 59.28 | 14,997 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.