National Bankshares vs Southern First Bancshares
NKSH and SFST side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How NKSH and SFST compare
Southern First Bancshares is the larger company, worth 2.3 times as much as National Bankshares ($579M against $252M).
On earnings, National Bankshares is cheaper: it trades at 12.5× trailing earnings, against 12.6× for Southern First Bancshares.
National Bankshares grew revenue faster over the last twelve months (9.5% versus −8.4% for Southern First Bancshares).
Southern First Bancshares keeps more of each dollar of sales as profit, with a net margin of 839% compared with 239% at National Bankshares.
National Bankshares pays a dividend yielding 3.9%; Southern First Bancshares does not pay one.
Southern First Bancshares scores higher on the StockData Score (10 against 9 for National Bankshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NKSH | SFST |
|---|---|---|
| Size and price | ||
| Market cap | $252M | $579M |
| Share price | $39.61 | $61.03 |
| Change, 1 year | 32.3% | 27.9% |
| Change, 5 years | 4.3% | −2.9% |
| Beta (5Y) | 0.36 | 0.60 |
| Employees | 243 | 315 |
| StockData Score | ||
| Total score | 9 | 10 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 1 | 2 (better) |
| Performance score | 2 | 3 (better) |
| Health score | 3 | 3 |
| Dividend score | 2 (better) | 0 |
| Valuation | ||
| P/E | 12.5× (better) | 12.6× |
| P/S | 29.7× (better) | 113× |
| P/B | 1.3× | 1.3× (better) |
| P/FCF | 13.7× | 12.8× (better) |
| PEG | – | 12.54 |
| FCF yield | 7.3% | 7.8% (better) |
| Fair value | $39.10 | $60.78 |
| Margin of safety | −1.3% | −0.41% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.5% (better) | −8.4% |
| Revenue growth, 5Y average | 7.7% (better) | −20.5% |
| Net income growth (TTM) | 80.0% (better) | 65.2% |
| EPS growth (TTM) | 79.7% (better) | 50.3% |
| EPS growth, 5Y average | 0.08% | 9.7% (better) |
| Profitability | ||
| Net margin | 239% | 839% (better) |
| FCF margin | 216% | 880% (better) |
| Return on equity | 11.3% (better) | 10.5% |
| Financial health | ||
| Altman Z-score | 0.26 (better) | 0.16 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.9% | – |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | 1.7% | – |
| Shareholder yield | 3.9% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 36.2% | 90.3% |
| Held by insiders | 3.3% | 5.8% |
| Insider net buying, 12 months | $8.0K (better) | −$3.1M |
| Short interest, % of float | 1.6% | 4.2% |
Go deeper
- NKSH stock overview
- NKSH income statement
- NKSH valuation and score
- SFST stock overview
- SFST income statement
- SFST valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.