SOUTHERN FIRST BANCSHARES (SFST) Stock Fundamental Analysis
USA - NASDAQ:SFST - US8428731017 - Common Stock
48.47 USD
-0.16 (-0.33%)
48.47 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SFST. SFST was compared to 388 industry peers in the Banks industry. SFST may be in some trouble as it scores bad on both profitability and health. SFST is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year SFST was profitable.
In the past year SFST had a positive cash flow from operations.
In the past 5 years SFST has always been profitable.
SFST had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SFST's Return On Assets of 0.51% is on the low side compared to the rest of the industry. SFST is outperformed by 76.29% of its industry peers.
The Return On Equity of SFST (6.33%) is worse than 68.56% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 20.99%, SFST is not doing good in the industry: 61.86% of the companies in the same industry are doing better.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
SFST does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SFST has more shares outstanding
The number of shares outstanding for SFST has been increased compared to 5 years ago.
SFST has a better debt/assets ratio than last year.
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 80.41% of the companies in the same industry.
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 77.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SFST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 86.71%, 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 very strong growth in Revenue. The Revenue has grown by 24.55%.
The Revenue has been growing slightly by 2.55% on average over the past years.
EPS 1Y (TTM)86.71%
EPS 3Y-30.98%
EPS 5Y-12.44%
EPS Q2Q%98.15%
Revenue 1Y (TTM)24.55%
Revenue growth 3Y-3.78%
Revenue growth 5Y2.55%
Sales Q2Q%33.69%
3.2 Future
Based on estimates for the next years, SFST will show a very strong growth in Earnings Per Share. The EPS will grow by 47.04% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 15.01, which indicates a correct valuation of SFST.
Compared to the rest of the industry, the Price/Earnings ratio of SFST indicates a slightly more expensive valuation: SFST is more expensive than 70.62% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.91, SFST is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 11.68, the valuation of SFST can be described as reasonable.
63.66% of the companies in the same industry are cheaper than SFST, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, SFST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.01 | ||
| Fwd PE | 11.68 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SFST indicates a somewhat cheap valuation: SFST is cheaper than 70.10% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.45 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as SFST's earnings are expected to grow with 47.04% in the coming years.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y47.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for SFST!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
48.47
-0.16 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.84%
Inst Owner Change0.04%
Ins Owners6.16%
Ins Owner Change1.88%
Market Cap396.48M
Revenue(TTM)111.49M
Net Income(TTM)21.86M
Analysts80
Price Target48.45 (-0.04%)
Short Float %0.75%
Short Ratio3.03
Dividend
| Industry Rank | Sector 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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)32.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.01 | ||
| Fwd PE | 11.68 | ||
| P/S | 3.81 | ||
| P/FCF | 9.45 | ||
| P/OCF | 9.31 | ||
| P/B | 1.15 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.23
EY6.66%
EPS(NY)4.15
Fwd EY8.56%
FCF(TTM)5.13
FCFY10.58%
OCF(TTM)5.21
OCFY10.74%
SpS12.73
BVpS42.23
TBVpS42.23
PEG (NY)0.2
PEG (5Y)N/A
Graham Number55.4
Profitability
| Industry Rank | Sector 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
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-28%
PM growth 5Y-13.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
| Industry Rank | Sector 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
WACC18.92%
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)86.71%
EPS 3Y-30.98%
EPS 5Y-12.44%
EPS Q2Q%98.15%
EPS Next Y75.05%
EPS Next 2Y47.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.55%
Revenue growth 3Y-3.78%
Revenue growth 5Y2.55%
Sales Q2Q%33.69%
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%
SOUTHERN FIRST BANCSHARES / SFST 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 of SOUTHERN FIRST BANCSHARES (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 2 / 10.
What is the financial health of SOUTHERN FIRST BANCSHARES (SFST) stock?
The financial health rating of SOUTHERN FIRST BANCSHARES (SFST) is 3 / 10.
Is the dividend of SOUTHERN FIRST BANCSHARES sustainable?
The dividend rating of SOUTHERN FIRST BANCSHARES (SFST) is 0 / 10 and the dividend payout ratio is 0%.