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SOUTHERN FIRST BANCSHARES (SFST) Stock Fundamental Analysis

NASDAQ:SFST - Nasdaq - US8428731017 - Common Stock - Currency: USD

39.07  -0.84 (-2.1%)

After market: 39.07 0 (0%)

Fundamental Rating

3

Overall SFST gets a fundamental rating of 3 out of 10. We evaluated SFST against 394 industry peers in the Banks industry. SFST may be in some trouble as it scores bad on both profitability and health. SFST has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

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.
SFST had positive earnings in each of the past 5 years.
In the past 5 years SFST always reported a positive cash flow from operatings.
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

With a Return On Assets value of 0.43%, SFST is not doing good in the industry: 80.10% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 5.41%, SFST is doing worse than 75.06% of the companies in the same industry.
Industry RankSector Rank
ROA 0.43%
ROE 5.41%
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

The Profit Margin of SFST (18.54%) is worse than 67.76% 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) 18.54%
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.
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.
Compared to 1 year ago, SFST has an improved debt to assets ratio.
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 0.70, which is an excellent value as it means it would take SFST, only 0.70 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.70, SFST belongs to the top of the industry, outperforming 80.10% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that SFST is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.07, SFST is doing good in the industry, outperforming 76.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.7
Altman-Z N/A
ROIC/WACCN/A
WACC20.67%
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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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 37.80% over the past year.
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 14.10% 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)37.8%
EPS 3Y-30.98%
EPS 5Y-12.44%
EPS Q2Q%109.68%
Revenue 1Y (TTM)14.1%
Revenue growth 3Y-3.78%
Revenue growth 5Y2.55%
Sales Q2Q%25.41%

3.2 Future

SFST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 40.86% yearly.
The Revenue is expected to grow by 16.89% on average over the next years. This is quite good.
EPS Next Y32.55%
EPS Next 2Y40.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.66%
Revenue Next 2Y16.89%
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

SFST is valuated rather expensively with a Price/Earnings ratio of 17.29.
Based on the Price/Earnings ratio, SFST is valued a bit more expensive than the industry average as 74.06% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of SFST to the average of the S&P500 Index (27.41), we can say SFST is valued slightly cheaper.
With a Price/Forward Earnings ratio of 10.26, the valuation of SFST can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as SFST.
The average S&P500 Price/Forward Earnings ratio is at 35.19. SFST is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 17.29
Fwd PE 10.26
SFST Price Earnings VS Forward Price EarningsSFST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SFST is valued a bit cheaper than the industry average as 74.31% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.01
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 40.86% in the coming years.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y40.86%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for SFST!.
Industry RankSector Rank
Dividend Yield N/A

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SOUTHERN FIRST BANCSHARES

NASDAQ:SFST (7/11/2025, 8:00:02 PM)

After market: 39.07 0 (0%)

39.07

-0.84 (-2.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-16 2025-07-16/amc
Inst Owners81.49%
Inst Owner Change0%
Ins Owners6.17%
Ins Owner Change3.36%
Market Cap319.20M
Analysts80
Price Target40.8 (4.43%)
Short Float %0.74%
Short Ratio3.48
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)35.93%
Min EPS beat(2)4.47%
Max EPS beat(2)67.38%
EPS beat(4)4
Avg EPS beat(4)34.06%
Min EPS beat(4)4.47%
Max EPS beat(4)67.38%
EPS beat(8)6
Avg EPS beat(8)26.21%
EPS beat(12)6
Avg EPS beat(12)8.92%
EPS beat(16)9
Avg EPS beat(16)11.04%
Revenue beat(2)2
Avg Revenue beat(2)8.14%
Min Revenue beat(2)1.08%
Max Revenue beat(2)15.2%
Revenue beat(4)2
Avg Revenue beat(4)2.97%
Min Revenue beat(4)-2.99%
Max Revenue beat(4)15.2%
Revenue beat(8)2
Avg Revenue beat(8)-0.62%
Revenue beat(12)4
Avg Revenue beat(12)0%
Revenue beat(16)8
Avg Revenue beat(16)3.85%
PT rev (1m)8.11%
PT rev (3m)8.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-6.55%
EPS NY rev (3m)-6.55%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)1.93%
Revenue NY rev (3m)1.93%
Valuation
Industry RankSector Rank
PE 17.29
Fwd PE 10.26
P/S 3.24
P/FCF 9.01
P/OCF 8.85
P/B 0.95
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)2.26
EY5.78%
EPS(NY)3.81
Fwd EY9.75%
FCF(TTM)4.34
FCFY11.1%
OCF(TTM)4.41
OCFY11.3%
SpS12.06
BVpS41.32
TBVpS41.32
PEG (NY)0.53
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 5.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.54%
GM N/A
FCFM 35.94%
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 0.7
Debt/EBITDA N/A
Cap/Depr 13.56%
Cap/Sales 0.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 193.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC20.67%
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)37.8%
EPS 3Y-30.98%
EPS 5Y-12.44%
EPS Q2Q%109.68%
EPS Next Y32.55%
EPS Next 2Y40.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.1%
Revenue growth 3Y-3.78%
Revenue growth 5Y2.55%
Sales Q2Q%25.41%
Revenue Next Year20.66%
Revenue Next 2Y16.89%
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 1Y-0.01%
FCF growth 3Y-21.68%
FCF growth 5Y20.26%
OCF growth 1Y-17.44%
OCF growth 3Y-31.08%
OCF growth 5Y6.93%