55.7 USD
-0.15 (-0.27%)
55.7 USD
0 (0%)
SFST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. SFST has a bad profitability rating. Also its financial health evaluation is rather negative. SFST shows excellent growth, but is valued quite expensive already.
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.
- 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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.60%, SFST is doing worse than 71.54% of the companies in the same industry.
- SFST has a worse Return On Equity (7.33%) than 63.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.6% | ||
| ROE | 7.33% | ||
| 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
- SFST's Profit Margin of 23.44% is in line compared to the rest of the industry. SFST outperforms 45.17% of its industry peers.
- In the last couple of years the Profit Margin of SFST has declined.
- 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) | 23.44% | ||
| 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.
- 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.
2.2 Solvency
- SFST has a debt to FCF ratio of 0.82. This is a very positive value and a sign of high solvency as it would only need 0.82 years to pay back of all of its debts.
- SFST has a Debt to FCF ratio of 0.82. This is in the better half of the industry: SFST outperforms 72.06% 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.
- With a decent Debt to Equity ratio value of 0.07, SFST is doing good in the industry, outperforming 76.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.04%
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.
- Measured over the past years, SFST shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.44% on average per year.
- Looking at the last year, SFST shows a very strong growth in Revenue. The Revenue has grown by 24.55%.
- Measured over the past years, SFST shows a small growth in Revenue. The Revenue has been growing by 2.55% on average per year.
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 50.84% on average per year.
- Based on estimates for the next years, SFST will show a very strong growth in Revenue. The Revenue will grow by 21.21% on average per year.
EPS Next Y81.69%
EPS Next 2Y53.58%
EPS Next 3Y50.84%
EPS Next 5YN/A
Revenue Next Year30.42%
Revenue Next 2Y25.42%
Revenue Next 3Y21.21%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 17.24 indicates a rather expensive 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 74.41% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of SFST to the average of the S&P500 Index (27.47), we can say SFST is valued slightly cheaper.
- SFST is valuated correctly with a Price/Forward Earnings ratio of 12.30.
- Based on the Price/Forward Earnings ratio, SFST is valued a bit more expensive than 61.10% of the companies in the same industry.
- SFST's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.24 | ||
| Fwd PE | 12.3 |
4.2 Price Multiples
- 63.19% 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 | 15.1 | ||
| 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.
- SFST's earnings are expected to grow with 50.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y53.58%
EPS Next 3Y50.84%
5. Dividend
5.1 Amount
- SFST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
55.7
-0.15 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)01-26 2026-01-26/amc
Inst Owners82.05%
Inst Owner Change-0.15%
Ins Owners6.21%
Ins Owner Change-0.03%
Market Cap456.18M
Revenue(TTM)111.49M
Net Income(TTM)26.14M
Analysts80
Price Target49.98 (-10.27%)
Short Float %0.8%
Short Ratio1.51
Dividend
| Industry Rank | Sector 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)20.02%
Min EPS beat(2)17.87%
Max EPS beat(2)22.17%
EPS beat(4)4
Avg EPS beat(4)27.97%
Min EPS beat(4)4.47%
Max EPS beat(4)67.38%
EPS beat(8)7
Avg EPS beat(8)25.14%
EPS beat(12)8
Avg EPS beat(12)13.82%
EPS beat(16)9
Avg EPS beat(16)9.89%
Revenue beat(2)2
Avg Revenue beat(2)10.34%
Min Revenue beat(2)1.08%
Max Revenue beat(2)19.59%
Revenue beat(4)4
Avg Revenue beat(4)9.24%
Min Revenue beat(4)1.08%
Max Revenue beat(4)19.59%
Revenue beat(8)4
Avg Revenue beat(8)2.94%
Revenue beat(12)4
Avg Revenue beat(12)0.33%
Revenue beat(16)8
Avg Revenue beat(16)3%
PT rev (1m)0%
PT rev (3m)3.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.74%
EPS NY rev (1m)0%
EPS NY rev (3m)3.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.78%
Revenue NY rev (1m)1.26%
Revenue NY rev (3m)1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.24 | ||
| Fwd PE | 12.3 | ||
| P/S | 4.09 | ||
| P/FCF | 15.1 | ||
| P/OCF | 14.84 | ||
| P/B | 1.28 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.23
EY5.8%
EPS(NY)4.53
Fwd EY8.13%
FCF(TTM)3.69
FCFY6.62%
OCF(TTM)3.75
OCFY6.74%
SpS13.61
BVpS43.51
TBVpS43.51
PEG (NY)0.21
PEG (5Y)N/A
Graham Number56.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.6% | ||
| ROE | 7.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.44% | ||
| GM | N/A | ||
| FCFM | 27.1% |
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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 11.7% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 115.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC18.04%
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 Y81.69%
EPS Next 2Y53.58%
EPS Next 3Y50.84%
EPS Next 5YN/A
Revenue 1Y (TTM)24.55%
Revenue growth 3Y-3.78%
Revenue growth 5Y2.55%
Sales Q2Q%33.69%
Revenue Next Year30.42%
Revenue Next 2Y25.42%
Revenue Next 3Y21.21%
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 1Y35.35%
FCF growth 3Y-21.68%
FCF growth 5Y20.26%
OCF growth 1Y26.69%
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 for SFST stock?
ChartMill assigns a valuation rating of 3 / 10 to SOUTHERN FIRST BANCSHARES (SFST). This can be considered as Overvalued.
What is the profitability of SFST stock?
SOUTHERN FIRST BANCSHARES (SFST) has a profitability rating of 2 / 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 81.69% in the next year.