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SOUTHERN FIRST BANCSHARES INC

Datakwaliteit: 83%
SFST
NASDAQ Financial Services Depository Institutions
€ 58,88
▲ € 0,03 (0,05%)
6 months return
—
Momentum
Neutral
1Y earnings growth
95,53%

Groei

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)95,53%
FCF Growth (3Y)34,93%

Kwaliteit

Return on Equity
8,65%
Onder sectorgemiddelde (9,22%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Veiligheid

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Waardering

PE (TTM|NTM|2027)
16,08 | 9,13 | 9,25
Boven sectorgemiddelde (11,13)
P/B Ratio1,37
EV/EBITDAN/A
Dividend YieldN/A

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

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

Price History

Financiële Trends

Koersdoel Analisten

1 analist
Strong Buy
+8.7%
upside to target
Huidig
€ 58,88
Consensus Target
€ 64,00
€ 64,00
Laag
€ 64,00
Hoog
Vooruitzicht
Forward K/W
9,13
Forward WPA
€ 6,40
WPA Groei (sch.)
+18,1%
Omzet Sch.
157,00 M

Winstverassingen

EPS
Reported Estimate Forecast
Next: Q1 2026 · EPS Est: € 1,23 · Rev Est: 33,10 M
Q12025 Q22025 Q32025 Q42025 Q1 '26 Q2 '26
Reported € 0,65 € 0,81 € 1,07 € 1,21 — —
Estimate € 0,61 € 0,65 € 0,89 € 1,11 € 1,23 € 1,32
Verrassing +6,56% +24,62% +20,22% +9,01% — —

Growth

Rev 5Y: N/A · Earnings 1Y: 95,53%
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

ROE: 8,65% · Net Margin: N/A
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

D/E: N/A · Current: N/A
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

Yield: N/A · Payout: N/A
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: 16,08 · EV/EBITDA: N/A
P/E Ratio 16,08 Forward P/E 9,13
P/B Ratio 1,37 P/S Ratio N/A
PEG Ratio N/A Forward PEG 0,50
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 3,11 Fwd Earnings Yield 10,95%
FCF Yield 6,12%
Market Cap 488,43 M Enterprise Value 488,43 M

Per Share

EPS: 3,72 · FCF/Share: 3,62
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

FCF Conv: 98,39% · CapEx/Rev: N/A
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 — — — — —

Sectorvergelijking

vs Financial Services sector mediaan (6628 peers)
Metriek Aandeel Sector Mediaan
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

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