SOUTHERN FIRST BANCSHARES

SFSTNASDAQ

🏆 #2250 by market capEarnings Oct 26US Equity

$908.98▲ $28.91 (+3.18%)

Simulated price

1h—

24h▲ 3.2%

7d—

14d—

30d—

1y—

🏦Market Cap

$603M

Small Cap

📈Revenue Growth (YoY)

+53.1%

High Growth

📊Gross Margin

—

💵FCF Margin

15.3%

Healthy

⚖️P/S Ratio

2.6x

Cheap

Otter Score

Fair

No chart data available for SFST.

Trading Snapshot

Day Range: $896.00 – $926.54
52-Week Range: $39.75 – $65.04
Volume: $5.56B
Avg Volume: $3.72B
Shares Outstanding: 9.5M
Next Earnings: Oct 6, 2026

Fundamentals Snapshot

Annual Revenue: $225M
Last Q Revenue: $62M
P/E Ratio: 15.1
P/S Ratio: 2.6x
EPS (TTM): $4.64
Dividend Yield: —

Why Investors Own SFST

✓High-growth profile — revenue up +21.1% YoY with expanding US Equity exposure.
✓Healthy economics — 33% gross margin and 29% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$225M▲ +26.0% YoY

Gross Margin (TTM)

33.3%▲ +0.1% YoY

Operating Income (TTM)

$66M▲ +26.0% YoY

Free Cash Flow (TTM)

$66M▲ +26.0% YoY

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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