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
- –
Southern First Bancshares statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Market Cap | $560.07M | $679.86M |
| Enterprise Value | $198.43M | $408.94M |
| PE Ratio | 12.77 | 12.00 |
| PS Ratio | 91.74 | 3.61 |
| PB Ratio | 1.24 | 1.18 |
| P/TBV Ratio | 1.24 | 1.41 |
| P/FCF Ratio | 14.26 | 10.93 |
| P/OCF Ratio | 13.59 | 10.04 |
Enterprise value
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| EV / Sales | 32.50 | 2.78 |
| EV / FCF | 5.05 | 8.25 |
Income (trailing twelve months)
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Revenue | $6.11M | $170.85M |
| Pretax Income | $51.05M | $70.12M |
| Net Income | $39.60M | $54.33M |
| EPS (Diluted) | $4.63 | $2.90 |
Margins
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Pretax Margin | 836.1% | 36.4% |
| Profit Margin | 648.7% | 29.1% |
| FCF Margin | 643.1% | 33.0% |
Returns
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Return on Equity (ROE) | 9.93% | 10.5% |
| Return on Assets (ROA) | 0.88% | 1.12% |
Growth
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 11.7% | 11.8% |
| Net Income Growth (YoY) | 81.2% | 23.1% |
| EPS Growth (YoY) | 72.1% | 22.7% |
| FCF Growth (YoY) | -6.40% | 27.1% |
| Revenue Growth (3Y CAGR) | 14.4% | 5.82% |
| Revenue Growth (5Y CAGR) | -20.5% | 6.17% |
| EPS Growth (3Y CAGR) | 1.01% | 1.26% |
| EPS Growth (5Y CAGR) | 9.71% | 8.24% |
Balance sheet
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $361.63M | $205.54M |
| Net Cash (Debt) | $361.63M | $164.40M |
| Net Cash Per Share | $38.18 | $8.13 |
| Equity (Book Value) | $452.27M | $560.44M |
| Book Value Per Share | $47.75 | $28.47 |
| Tangible Book Value | $452.27M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Operating Cash Flow | $41.22M | $61.20M |
| Capital Expenditures | -$1.96M | -$4.02M |
| Free Cash Flow | $39.26M | $52.43M |
| FCF Per Share | $4.15 | $3.07 |
Efficiency
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Asset Turnover | 0.00 | 0.04 |
| Revenue Per Employee | $19.38K | $353.78K |
| Profits Per Employee | $125.72K | $107.28K |
| Employee Count | 315 | 489 |
Dividends and yields
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Earnings Yield | 7.07% | 8.07% |
| FCF Yield | 7.01% | 8.89% |
Shares
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Shares Outstanding | 9,471,760 | 18,839,100 |
| Shares Change (YoY) | 5.12% | 0.39% |
| Shares Change (QoQ) | 14.8% | 0.00% |
| Float | 8,919,470 | 17,061,900 |
| Shares Held by Insiders | 5.83% | 5.89% |
| Shares Held by Institutions | 90.5% | 61.9% |
Taxes
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Income Tax | $11.44M | $14.50M |
| Effective Tax Rate | 22.4% | 21.1% |
Scores
| Measure | Southern First Bancshares | Industry median |
|---|---|---|
| Graham Number | $70.53 | $45.31 |
| Graham Upside | 19.3% | 21.6% |
| Altman Z-Score | 0.16 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Southern First Bancshares's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.