SOUTHERN FIRST BANCSHARES (SFST)
US8428731017 - Common Stock
Overall SFST gets a fundamental rating of 3 out of 10. We evaluated SFST against 412 industry peers in the Banks industry. Both the profitability and financial health of SFST have multiple concerns. SFST has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SFST had positive earnings in the past year.
SFST had a positive operating cash flow in the past year.
In the past 5 years SFST has always been profitable.
In the past 5 years SFST always reported a positive cash flow from operatings.
1.2 Ratios
SFST's Return On Assets of 0.33% is on the low side compared to the rest of the industry. SFST is outperformed by 87.38% of its industry peers.
The Return On Equity of SFST (4.30%) is worse than 83.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 4.3% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.94%
ROE(3y)10.33%
ROE(5y)10.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SFST has a Profit Margin of 15.34%. This is in the lower half of the industry: SFST underperforms 79.85% of its industry peers.
In the last couple of years the Profit Margin of SFST has declined.
SFST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.34% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.5%
PM growth 5Y-13.5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SFST does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SFST has been increased compared to 1 year ago.
SFST has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SFST has been reduced compared to a year ago.
2.2 Solvency
SFST has a debt to FCF ratio of 2.21. This is a good value and a sign of high solvency as SFST would need 2.21 years to pay back of all of its debts.
The Debt to FCF ratio of SFST (2.21) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.12 indicates that SFST is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.12, SFST is doing good in the industry, outperforming 72.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SFST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.89%.
Measured over the past years, SFST shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.43% on average per year.
Looking at the last year, SFST shows a very negative growth in Revenue. The Revenue has decreased by -18.36% in the last year.
The Revenue has been growing slightly by 4.45% on average over the past years.
EPS 1Y (TTM)-53.89%
EPS 3Y-7.83%
EPS 5Y-10.43%
EPS growth Q2Q-25%
Revenue 1Y (TTM)-18.36%
Revenue growth 3Y-6.54%
Revenue growth 5Y4.45%
Revenue growth Q2Q-17.19%
3.2 Future
The Earnings Per Share is expected to grow by 55.20% on average over the next years. This is a very strong growth
Based on estimates for the next years, SFST will show a quite strong growth in Revenue. The Revenue will grow by 18.97% on average per year.
EPS Next Y23.51%
EPS Next 2Y55.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.99%
Revenue Next 2Y18.97%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.42 indicates a correct valuation of SFST.
83.01% of the companies in the same industry are cheaper than SFST, based on the Price/Earnings ratio.
SFST's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.83.
SFST is valuated correctly with a Price/Forward Earnings ratio of 13.30.
Based on the Price/Forward Earnings ratio, SFST is valued a bit more expensive than the industry average as 68.93% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, SFST is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.42 | ||
| Fwd PE | 13.3 |
4.2 Price Multiples
71.36% of the companies in the same industry are cheaper than SFST, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SFST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SFST's earnings are expected to grow with 55.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.7
PEG (5Y)N/A
EPS Next 2Y55.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SFST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SOUTHERN FIRST BANCSHARES
NASDAQ:SFST (4/18/2024, 3:01:47 PM)
After market: 27.26 0 (0%)27.26
+0.45 (+1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap222.44M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.42 | ||
| Fwd PE | 13.3 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.7
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 4.3% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 15.34% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-53.89%
EPS 3Y-7.83%
EPS 5Y
EPS growth Q2Q
EPS Next Y23.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-18.36%
Revenue growth 3Y-6.54%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y