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Company Analysis

Southern First Bancshares, Inc. SFST

A comprehensive view of key metrics, scores, and financial health for Southern First Bancshares, Inc.

Overview of Southern First Bancshares, Inc.

SFST NGM
Financial Services Banks - Regional Small Cap
Southern First Bancshares, Inc. (SFST), is a Small Cap company, in the Banks - Regional industry, last closed at $51.70, about 12.2% overvalued vs fair value, +56.9% 1Y return, ranked 789/1004 in sector.
$51.70
-2.21%
As of March 13, 2026
Previous close • Vol 90d: 33.9%
52-Week Range
Market Cap
$431.80M
Enterprise Value
$668.88M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.southernfirst.com
HQ Greenville, SC
Employees 315
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$25
$45
$85
Current: $51.70 -12% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$201.2M
13.3%%
Interest Expense
$106.5M
Net Interest Income
$81.2M
4.6%%
Total Revenue
$224.6M
140.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.7%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$905.0K
5.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Southern First Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
28
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
18
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SFST's balance between Growth (67.4%), Profitability (18.0%), and Safety (14.6%). Growth 67% Safety 15% Profitability 18%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

82th percentile vs peers
82
Key Signals
Rev Growth YoY 1.41 92p Revenue CAGR 3Y 27.8% 80p Asset Growth YoY 7.7% 71p
Strengths
  • Growth performance in top 20% of peers (percentile: 82)
  • Rev Growth Yoy in top 20% of peers (1.41, 92th percentile)
  • Revenue Cagr 3Y in top 20% of peers (27.8%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

21th percentile vs peers
22
Key Signals
Strengths
Risks
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Safety

17th percentile vs peers
18
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Southern First Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$45.41
- - -
-12.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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