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SOUTHERN FIRST BANCSHARES INC

Data quality: 83%

SFST

Nasdaq Financial Services Depository Institutions

$58.41

▼ $1.12 (-1.88%)

Mkt Cap: 488.43 M

Price

$59.22

Mkt Cap

488.43 M

Day Range

—

52-Week Range

—

Volume

—

Open —

50D / 200D Avg

—

50D / 200D Avg

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Quick Summary

Key Takeaways

Earnings grew 95.53% over the past year

Generating 29.88 M in free cash flow

Cash machine — converts 98.39% of earnings into free cash flow

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)95.53%

FCF Growth (3Y)34.93%

Quality

Return on Equity

8.65%

Below sector avg (9.24%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

N/A

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM)

16.08

Above sector avg (11.15)

P/B Ratio1.37

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2153 peers)

Metric	Stock	Sector Median
P/E	16.1	11.1
P/B	1.4	1.2
ROE %	8.7	9.2
Net Margin %	—	9.4
Rev Growth 5Y %	—	5.8
D/E	—	0.5

ETFs Holding This Stock

GAFSX GAFSX

1.61% weight

GGFSX GGFSX

1.61% weight

GFSIX GFSIX

1.61% weight

GCFSX GCFSX

1.61% weight

TETIX TETIX

1.05% weight

TETAX TETAX

1.05% weight

WMMCX WMMCX

0.50% weight

WEIMX WEIMX

0.50% weight

WEMMX WEMMX

0.50% weight

WMMAX WMMAX

0.50% weight

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	95.53%	Earnings Growth (3Y)	50.39%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	-10.21%
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	30.37 M
ROE	8.65%	ROA	0.70%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	29.88 M
ROIC	N/A	FCF Growth (3Y)	34.93%
Safety
Debt / Equity	N/A	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	356.35 M
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	16.08	Forward P/E	N/A
P/B Ratio	1.37	P/S Ratio	N/A
PEG Ratio	N/A	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	6.12%
Market Cap	488.43 M	Enterprise Value	488.43 M
Per Share
EPS (Diluted TTM)	3.72	Revenue / Share	N/A
FCF / Share	3.62	OCF / Share	3.69
EPS CAGR (1Y)	94.76%	EPS CAGR (5Y)	-10.70%
EPS CAGR (10Y)	7.50%
Efficiency
CapEx / Revenue	N/A	FCF Conversion	98.39%
SBC-Adj. FCF	27.61 M	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	—	—	—	—	—
Net Income	30.37 M	15.53 M	13.43 M	29.12 M	46.71 M
EPS (Diluted)	3.72	1.91	1.66	3.61	5.85
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	4.30 M	4.70 M	4.80 M	3.70 M	2.20 M
Interest Expense	106.53 M	119.99 M	99.94 M	20.04 M	5.44 M
Income Tax	9.24 M	4.38 M	4.00 M	9.00 M	14.09 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	4.40 B	4.09 B	4.06 B	3.69 B	2.93 B
Total Liabilities	4.03 B	3.76 B	3.74 B	3.40 B	2.65 B
Shareholders' Equity	368.66 M	330.44 M	312.47 M	294.51 M	277.90 M
Total Debt	—	—	—	—	—
Cash & Equivalents	—	—	—	5.80 M	—
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—