SOUTHERN FIRST BANCSHARES (SFST) Fundamental Analysis & Valuation

NASDAQ:SFST • US8428731017

Current stock price

51.81 USD
+0.55 (+1.07%)
At close:
51.81 USD
0 (0%)
After Hours:

This SFST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SFST Profitability Analysis

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.
  • Each year in the past 5 years SFST had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • SFST's Return On Assets of 0.69% is on the low side compared to the rest of the industry. SFST is outperformed by 69.55% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.24%, SFST is in line with its industry, outperforming 40.94% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 8.24%
ROIC N/A
ROA(3y)0.47%
ROA(5y)0.76%
ROE(3y)5.74%
ROE(5y)8.78%
ROIC(3y)N/A
ROIC(5y)N/A
SFST Yearly ROA, ROE, ROICSFST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SFST's Profit Margin of 25.71% is in line compared to the rest of the industry. SFST outperforms 54.86% of its industry peers.
  • In the last couple of years the Profit Margin of SFST has grown nicely.
  • SFST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.71%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.79%
PM growth 5Y8.54%
GM growth 3YN/A
GM growth 5YN/A
SFST Yearly Profit, Operating, Gross MarginsSFST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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3

2. SFST Health Analysis

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
  • The debt/assets ratio for SFST has been reduced compared to a year ago.
SFST Yearly Shares OutstandingSFST Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
SFST Yearly Total Debt VS Total AssetsSFST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • SFST has a debt to FCF ratio of 0.83. This is a very positive value and a sign of high solvency as it would only need 0.83 years to pay back of all of its debts.
  • SFST's Debt to FCF ratio of 0.83 is fine compared to the rest of the industry. SFST outperforms 72.70% of its industry peers.
  • SFST has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • SFST's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. SFST outperforms 76.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.83
Altman-Z N/A
ROIC/WACCN/A
WACC17.62%
SFST Yearly LT Debt VS Equity VS FCFSFST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. SFST Growth Analysis

3.1 Past

  • SFST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 97.40%, which is quite impressive.
  • SFST shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.32% yearly.
  • SFST shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.48%.
  • Measured over the past years, SFST shows a small growth in Revenue. The Revenue has been growing by 1.95% on average per year.
EPS 1Y (TTM)97.4%
EPS 3Y1.73%
EPS 5Y12.32%
EPS Q2Q%80%
Revenue 1Y (TTM)26.48%
Revenue growth 3Y3.28%
Revenue growth 5Y1.95%
Sales Q2Q%13.88%

3.2 Future

  • SFST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.24% yearly.
  • The Revenue is expected to grow by 15.54% on average over the next years. This is quite good.
EPS Next Y45.87%
EPS Next 2Y31.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.98%
Revenue Next 2Y15.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
SFST Yearly Revenue VS EstimatesSFST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M
SFST Yearly EPS VS EstimatesSFST Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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5

4. SFST Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.67, the valuation of SFST can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of SFST indicates a slightly more expensive valuation: SFST is more expensive than 66.93% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of SFST to the average of the S&P500 Index (25.73), we can say SFST is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 9.37, the valuation of SFST can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, SFST is valued a bit cheaper than the industry average as 62.47% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of SFST to the average of the S&P500 Index (23.72), we can say SFST is valued rather cheaply.
Industry RankSector Rank
PE 13.67
Fwd PE 9.37
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 more expensive when compared to the industry. SFST is more expensive than 61.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.27
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

  • The 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 31.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)1.11
EPS Next 2Y31.24%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. SFST Dividend Analysis

5.1 Amount

  • SFST does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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SFST Fundamentals: All Metrics, Ratios and Statistics

SOUTHERN FIRST BANCSHARES

NASDAQ:SFST (3/19/2026, 8:00:02 PM)

After market: 51.81 0 (0%)

51.81

+0.55 (+1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners82.62%
Inst Owner Change-6.41%
Ins Owners6.35%
Ins Owner Change1.3%
Market Cap426.40M
Revenue(TTM)118.09M
Net Income(TTM)30.37M
Analysts82.86
Price Target65.28 (26%)
Short Float %1.06%
Short Ratio1.27
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)21.01%
Min EPS beat(2)17.87%
Max EPS beat(2)24.15%
EPS beat(4)4
Avg EPS beat(4)17.16%
Min EPS beat(4)4.47%
Max EPS beat(4)24.15%
EPS beat(8)7
Avg EPS beat(8)24.43%
EPS beat(12)9
Avg EPS beat(12)18.72%
EPS beat(16)9
Avg EPS beat(16)10%
Revenue beat(2)1
Avg Revenue beat(2)-0.19%
Min Revenue beat(2)-1.47%
Max Revenue beat(2)1.08%
Revenue beat(4)3
Avg Revenue beat(4)5.07%
Min Revenue beat(4)-1.47%
Max Revenue beat(4)19.59%
Revenue beat(8)4
Avg Revenue beat(8)3.44%
Revenue beat(12)4
Avg Revenue beat(12)0.72%
Revenue beat(16)7
Avg Revenue beat(16)1.97%
PT rev (1m)18.52%
PT rev (3m)30.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)23.62%
EPS NY rev (1m)2.26%
EPS NY rev (3m)22.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.34%
Revenue NY rev (1m)-1.35%
Revenue NY rev (3m)2.55%
Valuation
Industry RankSector Rank
PE 13.67
Fwd PE 9.37
P/S 3.61
P/FCF 14.27
P/OCF 14
P/B 1.16
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)3.79
EY7.32%
EPS(NY)5.53
Fwd EY10.67%
FCF(TTM)3.63
FCFY7.01%
OCF(TTM)3.7
OCFY7.14%
SpS14.35
BVpS44.79
TBVpS44.79
PEG (NY)0.3
PEG (5Y)1.11
Graham Number61.8
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 8.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.71%
GM N/A
FCFM 25.3%
ROA(3y)0.47%
ROA(5y)0.76%
ROE(3y)5.74%
ROE(5y)8.78%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.79%
PM growth 5Y8.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.83
Debt/EBITDA N/A
Cap/Depr 13.49%
Cap/Sales 0.49%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.62%
ROIC/WACCN/A
Cap/Depr(3y)18.53%
Cap/Depr(5y)315.06%
Cap/Sales(3y)0.92%
Cap/Sales(5y)8.21%
Profit Quality(3y)126.71%
Profit Quality(5y)123.1%
High Growth Momentum
Growth
EPS 1Y (TTM)97.4%
EPS 3Y1.73%
EPS 5Y12.32%
EPS Q2Q%80%
EPS Next Y45.87%
EPS Next 2Y31.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.48%
Revenue growth 3Y3.28%
Revenue growth 5Y1.95%
Sales Q2Q%13.88%
Revenue Next Year18.98%
Revenue Next 2Y15.54%
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 1Y20.6%
FCF growth 3Y-6.34%
FCF growth 5Y17.5%
OCF growth 1Y19.17%
OCF growth 3Y-15.41%
OCF growth 5Y8.11%

SOUTHERN FIRST BANCSHARES / SFST Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SOUTHERN FIRST BANCSHARES (SFST) stock?

ChartMill assigns a fundamental rating of 4 / 10 to SFST.


What is the valuation status for SFST stock?

ChartMill assigns a valuation rating of 5 / 10 to SOUTHERN FIRST BANCSHARES (SFST). This can be considered as Fairly Valued.


What is the profitability of SFST stock?

SOUTHERN FIRST BANCSHARES (SFST) has a profitability rating of 3 / 10.


Can you provide the financial health for SFST stock?

The financial health rating of SOUTHERN FIRST BANCSHARES (SFST) is 3 / 10.


What is the earnings growth outlook for SOUTHERN FIRST BANCSHARES?

The Earnings per Share (EPS) of SOUTHERN FIRST BANCSHARES (SFST) is expected to grow by 45.87% in the next year.