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Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina. more
| Time Frame | SFST | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | 0.24% | -3.55% | -1.5% |
| 1-Month Return | 8.1% | -2.91% | 0.6% |
| 3-Month Return | 24.94% | 0.39% | 2.43% |
| 6-Month Return | 40.92% | -1.62% | 6.01% |
| 1-Year Return | 64.39% | -1% | 11.48% |
| 3-Year Return | 42.46% | 41.93% | 67.52% |
| 5-Year Return | 38.4% | 60.3% | 73.75% |
| 10-Year Return | 161.89% | 201.33% | 254.46% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 110.26M | 127.64M | 187.46M | 213.32M | 224.62M | [{"date":"2021-12-31","value":49.09,"profit":true},{"date":"2022-12-31","value":56.82,"profit":true},{"date":"2023-12-31","value":83.46,"profit":true},{"date":"2024-12-31","value":94.97,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | (6.96M) | 26.20M | 101.20M | 120.11M | 109.48M | [{"date":"2021-12-31","value":-5.8,"profit":false},{"date":"2022-12-31","value":21.81,"profit":true},{"date":"2023-12-31","value":84.26,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":91.15,"profit":true}] |
| Gross Profit | 117.23M | 101.44M | 86.25M | 93.33M | 115.14M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":86.53,"profit":true},{"date":"2023-12-31","value":73.57,"profit":true},{"date":"2024-12-31","value":79.61,"profit":true},{"date":"2025-12-31","value":98.21,"profit":true}] |
| Gross Margin | 106.33% | 79.48% | 46.01% | 43.75% | 51.26% | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":74.75,"profit":true},{"date":"2023-12-31","value":43.27,"profit":true},{"date":"2024-12-31","value":41.15,"profit":true},{"date":"2025-12-31","value":48.21,"profit":true}] |
| Operating Expenses | 56.43M | 62.93M | 68.83M | 73.30M | 75.53M | [{"date":"2021-12-31","value":74.71,"profit":true},{"date":"2022-12-31","value":83.32,"profit":true},{"date":"2023-12-31","value":91.12,"profit":true},{"date":"2024-12-31","value":97.04,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Operating Income | 60.80M | 38.11M | 17.43M | 19.91M | 39.60M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":62.68,"profit":true},{"date":"2023-12-31","value":28.66,"profit":true},{"date":"2024-12-31","value":32.75,"profit":true},{"date":"2025-12-31","value":65.14,"profit":true}] |
| Total Non-Operating Income/Expense | 83.32M | 92.55M | 73.89M | (96.26M) | - | [{"date":"2021-12-31","value":90.03,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":79.84,"profit":true},{"date":"2024-12-31","value":-104.02,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 60.80M | 38.11M | 17.43M | 19.91M | 39.60M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":62.68,"profit":true},{"date":"2023-12-31","value":28.66,"profit":true},{"date":"2024-12-31","value":32.75,"profit":true},{"date":"2025-12-31","value":65.14,"profit":true}] |
| Income Taxes | 14.09M | 9.00M | 4.00M | 4.38M | 9.24M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":63.85,"profit":true},{"date":"2023-12-31","value":28.39,"profit":true},{"date":"2024-12-31","value":31.1,"profit":true},{"date":"2025-12-31","value":65.56,"profit":true}] |
| Income After Taxes | 46.71M | 29.11M | 13.43M | 15.53M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":62.33,"profit":true},{"date":"2023-12-31","value":28.74,"profit":true},{"date":"2024-12-31","value":33.25,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 46.71M | 29.11M | 13.43M | 15.53M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":62.33,"profit":true},{"date":"2023-12-31","value":28.74,"profit":true},{"date":"2024-12-31","value":33.25,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 46.71M | 29.11M | 13.43M | 15.53M | 30.37M | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":62.33,"profit":true},{"date":"2023-12-31","value":28.74,"profit":true},{"date":"2024-12-31","value":33.25,"profit":true},{"date":"2025-12-31","value":65.01,"profit":true}] |
| EPS (Diluted) | 5.82 | 3.60 | 1.66 | 1.92 | 3.74 | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":61.86,"profit":true},{"date":"2023-12-31","value":28.52,"profit":true},{"date":"2024-12-31","value":32.99,"profit":true},{"date":"2025-12-31","value":64.26,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| SFST | |
|---|---|
| Cash Ratio | 0.06 |
| Current Ratio | 0.06 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| SFST | |
|---|---|
| ROA (LTM) | 0.72% |
| ROE (LTM) | 8.69% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| SFST | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.92 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.08 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| SFST | |
|---|---|
| Trailing PE | 15.53 |
| Forward PE | 18.62 |
| P/S (TTM) | 4.16 |
| P/B | 1.30 |
| Price/FCF | 33 |
| EV/R | 6.30 |
| EV/Ebitda | NM |
| PEG | 2.31 |
Southern First Bancshares Inc (SFST) share price today is $58.82
Yes, Indians can buy shares of Southern First Bancshares Inc (SFST) on Vested. To buy
Yes, you can purchase fractional shares of Southern First Bancshares Inc (SFST) via the Vested app. You can start investing in Southern First Bancshares Inc (SFST) with a minimum investment of $1.
You can invest in shares of Southern First Bancshares Inc (SFST) via Vested in three simple steps:
The 52-week high price of Southern First Bancshares Inc (SFST) is $61.06. The 52-week low price of Southern First Bancshares Inc (SFST) is $29.14.
The price-to-earnings (P/E) ratio of Southern First Bancshares Inc (SFST) is 15.5333
The price-to-book (P/B) ratio of Southern First Bancshares Inc (SFST) is 1.30
The dividend yield of Southern First Bancshares Inc (SFST) is 0.00%
The market capitalization of Southern First Bancshares Inc (SFST) is $478.60M
The stock symbol (or ticker) of Southern First Bancshares Inc is SFST
Consider the share price of Southern First Bancshares Inc as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Southern First Bancshares Inc has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in Southern First Bancshares Inc shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Southern First Bancshares Inc stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of Southern First Bancshares Inc and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Southern First Bancshares Inc stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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