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SOUTHERN FIRST BANCSHARES (SFST) Stock Fundamental Analysis

USA - NASDAQ:SFST - US8428731017 - Common Stock

45.06 USD
+0.38 (+0.85%)
Last: 9/23/2025, 8:12:10 PM
45.06 USD
0 (0%)
After Hours: 9/23/2025, 8:12:10 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SFST. SFST was compared to 392 industry peers in the Banks industry. SFST has a bad profitability rating. Also its financial health evaluation is rather negative. SFST is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SFST was profitable.
SFST had a positive operating cash flow in the past year.
In the past 5 years SFST has always been profitable.
SFST had a positive operating cash flow in each of the past 5 years.
SFST Yearly Net Income VS EBIT VS OCF VS FCFSFST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

The Return On Assets of SFST (0.51%) is worse than 74.23% of its industry peers.
Looking at the Return On Equity, with a value of 6.33%, SFST is doing worse than 67.86% of the companies in the same industry.
Industry RankSector Rank
ROA 0.51%
ROE 6.33%
ROIC N/A
ROA(3y)0.5%
ROA(5y)0.77%
ROE(3y)6.29%
ROE(5y)8.74%
ROIC(3y)N/A
ROIC(5y)N/A
SFST Yearly ROA, ROE, ROICSFST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

SFST's Profit Margin of 20.99% is on the low side compared to the rest of the industry. SFST is outperformed by 61.22% of its industry peers.
SFST's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SFST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-28%
PM growth 5Y-13.27%
GM growth 3YN/A
GM growth 5YN/A
SFST Yearly Profit, Operating, Gross MarginsSFST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

2. Health

2.1 Basic Checks

SFST does not have a ROIC to compare to the WACC, probably because it is not profitable.
SFST has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SFST has more shares outstanding
SFST has a better debt/assets ratio than last year.
SFST Yearly Shares OutstandingSFST Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
SFST Yearly Total Debt VS Total AssetsSFST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of SFST is 0.59, which is an excellent value as it means it would take SFST, only 0.59 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.59, SFST belongs to the best of the industry, outperforming 81.12% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that SFST is not too dependend on debt financing.
SFST has a better Debt to Equity ratio (0.07) than 77.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.59
Altman-Z N/A
ROIC/WACCN/A
WACC19.69%
SFST Yearly LT Debt VS Equity VS FCFSFST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SFST Yearly Current Assets VS Current LiabilitesSFST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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7

3. Growth

3.1 Past

SFST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.82%, which is quite impressive.
The earnings per share for SFST have been decreasing by -12.44% on average. This is quite bad
Looking at the last year, SFST shows a quite strong growth in Revenue. The Revenue has grown by 18.53% in the last year.
SFST shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.55% yearly.
EPS 1Y (TTM)58.82%
EPS 3Y-30.98%
EPS 5Y-12.44%
EPS Q2Q%118.92%
Revenue 1Y (TTM)18.53%
Revenue growth 3Y-3.78%
Revenue growth 5Y2.55%
Sales Q2Q%46.6%

3.2 Future

SFST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.04% yearly.
The Revenue is expected to grow by 23.01% on average over the next years. This is a very strong growth
EPS Next Y75.05%
EPS Next 2Y47.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.8%
Revenue Next 2Y23.01%
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.
SFST Yearly Revenue VS EstimatesSFST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
SFST Yearly EPS VS EstimatesSFST Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 16.69, the valuation of SFST can be described as correct.
72.19% of the companies in the same industry are cheaper than SFST, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.41. SFST is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 10.85, the valuation of SFST can be described as very reasonable.
SFST's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.87. SFST is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 16.69
Fwd PE 10.85
SFST Price Earnings VS Forward Price EarningsSFST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

SFST's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SFST is cheaper than 76.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.79
EV/EBITDA N/A
SFST Per share dataSFST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
A more expensive valuation may be justified as SFST's earnings are expected to grow with 47.04% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y47.04%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

SFST does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SOUTHERN FIRST BANCSHARES

NASDAQ:SFST (9/23/2025, 8:12:10 PM)

After market: 45.06 0 (0%)

45.06

+0.38 (+0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/bmo
Earnings (Next)10-20 2025-10-20/amc
Inst Owners79.98%
Inst Owner Change-0.53%
Ins Owners6.17%
Ins Owner Change1.82%
Market Cap368.59M
Analysts80
Price Target48.45 (7.52%)
Short Float %0.63%
Short Ratio1.95
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.32%
Min EPS beat(2)4.47%
Max EPS beat(2)22.17%
EPS beat(4)4
Avg EPS beat(4)33.34%
Min EPS beat(4)4.47%
Max EPS beat(4)67.38%
EPS beat(8)7
Avg EPS beat(8)29.73%
EPS beat(12)7
Avg EPS beat(12)12.29%
EPS beat(16)9
Avg EPS beat(16)11.76%
Revenue beat(2)2
Avg Revenue beat(2)10.33%
Min Revenue beat(2)1.08%
Max Revenue beat(2)19.59%
Revenue beat(4)3
Avg Revenue beat(4)8.22%
Min Revenue beat(4)-2.99%
Max Revenue beat(4)19.59%
Revenue beat(8)3
Avg Revenue beat(8)2.56%
Revenue beat(12)4
Avg Revenue beat(12)1.01%
Revenue beat(16)8
Avg Revenue beat(16)4.15%
PT rev (1m)0%
PT rev (3m)18.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)23.61%
EPS NY rev (1m)0%
EPS NY rev (3m)18.31%
Revenue NQ rev (1m)8.18%
Revenue NQ rev (3m)10.51%
Revenue NY rev (1m)4.22%
Revenue NY rev (3m)8.8%
Valuation
Industry RankSector Rank
PE 16.69
Fwd PE 10.85
P/S 3.54
P/FCF 8.79
P/OCF 8.66
P/B 1.07
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)2.7
EY5.99%
EPS(NY)4.15
Fwd EY9.21%
FCF(TTM)5.13
FCFY11.38%
OCF(TTM)5.21
OCFY11.55%
SpS12.73
BVpS42.23
TBVpS42.23
PEG (NY)0.22
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 6.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.99%
GM N/A
FCFM 40.28%
ROA(3y)0.5%
ROA(5y)0.77%
ROE(3y)6.29%
ROE(5y)8.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-28%
PM growth 5Y-13.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.59
Debt/EBITDA N/A
Cap/Depr 13.52%
Cap/Sales 0.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 191.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.69%
ROIC/WACCN/A
Cap/Depr(3y)139.71%
Cap/Depr(5y)378.85%
Cap/Sales(3y)5.09%
Cap/Sales(5y)9.47%
Profit Quality(3y)135.57%
Profit Quality(5y)118%
High Growth Momentum
Growth
EPS 1Y (TTM)58.82%
EPS 3Y-30.98%
EPS 5Y-12.44%
EPS Q2Q%118.92%
EPS Next Y75.05%
EPS Next 2Y47.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.53%
Revenue growth 3Y-3.78%
Revenue growth 5Y2.55%
Sales Q2Q%46.6%
Revenue Next Year28.8%
Revenue Next 2Y23.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y68.73%
FCF growth 3Y-21.68%
FCF growth 5Y20.26%
OCF growth 1Y39.2%
OCF growth 3Y-31.08%
OCF growth 5Y6.93%