SFSTNasdaqNational Commercial BanksFiscal year ends December 31
SOUTHERN FIRST BANCSHARES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 3, 2026
$59.13−0.68 (-1.14%)
Close on Oct 19, 2026
- Market cap
- $551.00M
- P/E (TTM)
- 12.8
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
483.4%+390.7 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +13.0% | +14.4% | -20.5% | -18.2% | |
| Net income | +95.5% | +1.4% | +10.6% | +11.6% | |
| EPS, diluted | +94.8% | +1.0% | +9.7% | +9.1% | |
| Free cash flow | +20.6% | -6.3% | +17.5% | +6.8% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 12.8% | 8.4% | 8.7% | |
| Return on assets | 1.0% | 0.8% | 0.7% | |
| Capex to revenue | 79.4% | 36.8% | 9.2% | |
| Diluted shares | 7M | 8M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Southern First Bancshares generated $202.04M from operations and spent $43.07M on capital expenditure, dividends and share buybacks. 100% of that went back into the business.
Generated
$202.04M
Used
$43.07M
Capital expenditure$43.07M100%Dividends$00%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin483.4%
×Asset turnover0.00×
×Equity multiplier12.15×
=Return on equity, FY20258.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 483.4% | 0.00× | 12.15× | 8.7% |
| FY2024 | 279.3% | 0.00× | 12.67× | 4.8% |
| FY2023 | 332.7% | 0.00× | 12.76× | 4.4% |
| FY2022 | 693.5% | 0.00× | 11.56× | 10.2% |
| FY2021 | 410.6% | 0.00× | 10.68× | 18.5% |
| FY2020 | 92.6% | 0.01× | 10.94× | 8.4% |
| FY2019 | 280.7% | 0.00× | 10.97× | 14.7% |
| FY2018 | 402.0% | 0.00× | 10.89× | 13.8% |
| FY2017 | 253.2% | 0.00× | 11.43× | 10.1% |
| FY2016 | 190.7% | 0.01× | 12.53× | 12.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$30.37M
- Cash generatingOperating cash flow above zero$30.46M
- Return on assets improvedROA up on the prior year0.4% → 0.7%
- Earnings backed by cashOperating cash flow above net income$30.46M vs $30.37M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00