SFST
Southern First Bancshares, Inc.
SFST's fundamentals are strong: revenue grew 25% and its operating margin rose 10 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
SFST Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
SFST's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SFST.
SFST PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.9x | $43.19 | -29% |
| Forward | 11x | $60.71 | — |
| Current | 12x | $60.71 | — |
| Fair | 14x | $65.66 | +8.2% |
| Expensive | 18x | $86.62 | +43% |
Historical ranges are pointers, not guarantees.
SFST's PE is 12x, but its earnings don't support one, so it isn't a reliable read right now.
SFST Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for SFST, with profitability improving.
SFST Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.73 | +18% |
| Q3 2026 | $4.86 | +51% |
| Q2 2026 | $4.65 | +73% |
| Q1 2026 | $4.26 | +89% |
| Q4 2025 | $3.72 | +95% |
| Q3 2025 | $3.22 | +86% |
| Q2 2025 | $2.69 | +58% |
| Q1 2025 | $2.25 | +37% |
| Q4 2024 | $1.91 | +15% |
SFST's earnings per share have climbed steadily: $4.86 over the past year, up 51% from the year before, and higher year over year for eight quarters in a row. Its recent earnings include one-off gains.
SFST Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $37.5M | +21% |
| Q2 2026 | $35.9M | +25% |
| Q1 2026 | $33.8M | +28% |
| Q4 2025 | $31.8M | +26% |
| Q3 2025 | $31.1M | +31% |
| Q2 2025 | $28.6M | +24% |
| Q1 2025 | $26.5M | +24% |
| Q4 2024 | $25.2M | +18% |
SFST's revenue has grown year over year for 10 quarters in a row: $38M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +5.8 points |
| Q2 2026 | 40% | +10 points |
| Q1 2026 | 37% | +11 points |
| Q4 2025 | 40% | +13 points |
| Q3 2025 | 36% | +12 points |
| Q2 2025 | 30% | +13 points |
| Q1 2025 | 26% | +10 points |
| Q4 2024 | 27% | +2.4 points |
SFST's operating margin was 42% last quarter, up 5.8 points from the same quarter a year ago.
SFST Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $20.4M | +42% |
| Q2 2026 | $16.7M | +61% |
| Q1 2026 | $10.5M | +41% |
| Q4 2025 | -$2.4M | -$333K |
| Q3 2025 | $14.4M | -45% |
| Q2 2025 | $10.4M | +169% |
| Q1 2025 | $7.4M | +$10.6M |
| Q4 2024 | -$2M | -130% |
SFST's free cash flow was $45M over the past year, up 50% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SFST.
SFST Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +2.7% | +249K shares |
| 1 year | +18% | +1.5M shares |
| 3 years | +19% | +1.5M shares |
| 5 years | +20% | +1.6M shares |
| Available history | +23% | +1.8M shares |
SFST has 10M diluted shares, up 18% from a year ago.
SFST Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | 4.8x | High |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.8x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | 8.8x | High |
SFST has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SFST.
SFST Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.8 | Neutral |
| Stochastic | 23.9 | Neutral |
SFST's weekly RSI is 53 (neutral) and its Stochastic is 24 (neutral).
SFST PE vs Financial Services Sector
| Metric | SFST | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.1% below |
| PE % | 42 | 63 | 21 pts below |
SFST is trading at 12x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
SFST Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $60.2 | 0.8% above |
| 20 week MA | $61.6 | 1.4% below |
| 50 week MA | $58.1 | 4.4% above |
| 100 week MA | $48.6 | 25% above |
| 200 week MA | $40.2 | 51% above |
SFST's trend is mixed: it's above four of its five weekly moving averages, and 51% above its 200-week average.
SFST Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.8 | $35.3 | -18% |
| 2021 | $35.3 | $62.7 | +78% |
| 2022 | $62.7 | $45.9 | -27% |
| 2023 | $45.9 | $37.1 | -19% |
| 2024 | $37.1 | $39.7 | +6.9% |
| 2025 | $39.7 | $52.8 | +33% |
| 2026 YTD | $52.8 | $60.7 | +15% |
SFST has finished lower in three of the last six years. It's up 15% so far in 2026.