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SOUTHERN FIRST BANCSHARES

SFSTNASDAQ
πŸ† #2772 by market capEarnings Jan 28US Equity
$61.04β–Ό $1.19 (βˆ’1.91%)
Pre-market Β· at close
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24hβ–Ό 1.9%
7dβ–Ό 0.4%
14dβ–² 2.1%
30dβ–² 2.6%
ytdβ–² 18.1%
1yβ–² 39.5%
🏦Market Cap
$578M
Small Cap
πŸ“ˆRevenue Growth (YoY)
5.3%
Slowing
πŸ“ŠGross Margin
62.2%
High
πŸ’΅FCF Margin
18.1%
Healthy
βš–οΈP/S Ratio
2.7x
Cheap
Otter Score
84
Strong

Trading Snapshot

Day Range
$61.04 – $61.08
52-Week Range
$40.91 – $65.09
Volume (shares)
1,505
Avg Volume (shares)
β€”
Shares Outstanding
9.5M
Next Earnings
2027-01-28

Fundamentals Snapshot

Annual Revenue
$225M
Last Q Revenue
$63M
P/E Ratio
12.3
P/S Ratio
2.7x
EPS (TTM)
$4.58
Dividend Yield
0.00%
Dilution (1yr)
+0.1%
SFST logo

SOUTHERN FIRST BANCSHARES

SFST
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$225Mβ–² +5.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
51.3%β–² +17.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$40Mβ–² +98.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$30Mβ–² +20.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.1Mβ–² +0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$179Mβ–² +$52M YoY
StockOtter Β· stockotter.space

About SOUTHERN FIRST BANCSHARES

Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credit. Complementary services include online and mobile banking, cash management, safe deposit boxes, direct deposit, automated drafts, and bill payment. The company operates eight retail branches in South Carolina (Greenville, Charleston, and Columbia), three in North Carolina (Raleigh, Greensboro, and Charlotte areas), and one in Atlanta, Georgia. Founded in 1999, Southern First Bancshares, Inc. is based in Greenville, South Carolina.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
84/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

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