SOUTHERN FIRST BANCSHARES (SFST) Stock Fundamental Analysis
USA - NASDAQ:SFST - US8428731017 - Common Stock
45.18 USD
+0.76 (+1.71%)
Taking everything into account, SFST scores 4 out of 10 in our fundamental rating. SFST was compared to 390 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!
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.
Each year in the past 5 years SFST has been profitable.
Each year in the past 5 years SFST had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SFST (0.51%) is worse than 75.90% of its industry peers.
Looking at the Return On Equity, with a value of 6.33%, SFST is doing worse than 68.46% of the companies in the same industry.
| 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
SFST has a worse Profit Margin (20.99%) than 61.54% of its industry peers.
SFST's Profit Margin has declined in the last couple of years.
SFST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
SFST has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SFST has been increased compared to 5 years ago.
Compared to 1 year ago, SFST has an improved debt to assets ratio.
2.2 Solvency
SFST has a debt to FCF ratio of 0.59. This is a very positive value and a sign of high solvency as it would only need 0.59 years to pay back of all of its debts.
SFST has a Debt to FCF ratio of 0.59. This is amongst the best in the industry. SFST outperforms 80.26% of its industry peers.
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 77.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 58.82% 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 18.53% in the last year.
The Revenue has been growing slightly by 2.55% on average over the past years.
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
The Earnings Per Share is expected to grow by 47.04% on average over the next years. This is a very strong growth
Based on estimates for the next years, SFST will show a very strong growth in Revenue. The Revenue will grow by 23.01% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.73, the valuation of SFST can be described as correct.
SFST's Price/Earnings ratio is a bit more expensive when compared to the industry. SFST is more expensive than 74.62% of the companies in the same industry.
When comparing the Price/Earnings ratio of SFST to the average of the S&P500 Index (26.03), we can say SFST is valued slightly cheaper.
The Price/Forward Earnings ratio is 10.88, which indicates a very decent valuation of SFST.
SFST's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of SFST to the average of the S&P500 Index (22.27), we can say SFST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.73 | ||
| Fwd PE | 10.88 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SFST is valued a bit cheaper than 75.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.81 | ||
| 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)0.22
PEG (5Y)N/A
EPS Next 2Y47.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SFST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:SFST (11/5/2025, 10:21:14 AM)
45.18
+0.76 (+1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.84%
Inst Owner Change-0.2%
Ins Owners6.16%
Ins Owner Change1.82%
Market Cap369.57M
Revenue(TTM)104.13M
Net Income(TTM)21.86M
Analysts80
Price Target48.45 (7.24%)
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)18.75%
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 | 16.73 | ||
| Fwd PE | 10.88 | ||
| P/S | 3.55 | ||
| P/FCF | 8.81 | ||
| P/OCF | 8.68 | ||
| P/B | 1.07 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY5.98%
EPS(NY)4.15
Fwd EY9.19%
FCF(TTM)5.13
FCFY11.35%
OCF(TTM)5.21
OCFY11.52%
SpS12.73
BVpS42.23
TBVpS42.23
PEG (NY)0.22
PEG (5Y)N/A
Graham Number50.65
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
WACC19.54%
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%
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%.