Southern First Bancshares Inc
SFSTBuild a strategy around SFST
Southern First Bancshares Inc AI Insights
Informational only. Not investment advice.Snapshot
- Revenue TTM grew 31% vs industry median 6.4% - exceptional organic growth for a regional bank with 4.4B assets[Total Revenue 1Y Growth]
- EPS 5Y CAGR of 30.8% vs industry median -3% - sustained earnings compounding while peers contract[EPS Growth 5Y]
- Net margin TTM 23.4% with ROE 7.7% - solid profitability but ROE below industry median 2.2% signals capital inefficiency[Net Margin TTM]
Watch Triggers
- Net Margin TTM: Falls below 20% — Would signal NIM compression overwhelming loan growth - thesis invalidation
- ROE TTM: Rises above 10% — Would indicate improving capital efficiency and justify higher valuation
- Total Revenue 1Y Growth: Decelerates below 15% — Growth premium disappears if loan demand normalizes
Bull Case
Superior growth engine: 31% revenue growth and 30.8% 5Y EPS CAGR dramatically outpace industry, suggesting market share gains in attractive Southeast markets
Trading at P/B 1.24x vs P/E 16.9x near industry median 14.5x despite vastly superior growth profile - valuation doesn't reflect outperformance
Bear Case
Interest expense (109M) nearly equals total revenue (111M) - extreme rate sensitivity means NIM compression in falling rate environment could devastate earnings
ROE 7.7% and ROA 0.6% lag peers despite strong growth - capital efficiency concerns limit multiple expansion potential
Bull vs Bear Balance
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Forward Thesis
Continued NIM expansion likely as rate environment normalizes and loan book reprices higher
- Interest expense 109M vs 111M revenue shows rate sensitivity
- 31% revenue growth suggests strong loan demand
- Minimal capex (-527K) preserves capital for lending
Valuation Context
Caveats
Public Strategies Rankings
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SFST Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$452.5M | — | ||
$631.29M | — | ||
14 | — | ||
$118.09M | +26.5% | — | |
$3.72 | +95.0% | — | |
0% | — | ||
25.7% | +9.1% | — | |
$29.88M | +20.6% | — | |
8.69% | +3.9% | — | |
Beta 5Y (Monthly) | unknown | — |
SFST Dividend History
SFST Stock Splits
SFST SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
02/24/26 | 12/31/25 | Unknown | |
10/31/25 | 09/30/25 | 10-Q | |
08/01/25 | 06/30/25 | 10-Q | |
05/05/25 | 03/31/25 | 10-Q | |
03/03/25 | 12/31/24 | 10-K | |
11/01/24 | 09/30/24 | 10-Q | |
07/31/24 | 06/30/24 | 10-Q | |
04/30/24 | 03/31/24 | 10-Q | |
03/05/24 | 12/31/23 | 10-K | |
10/31/23 | 09/30/23 | 10-Q | |
08/01/23 | 06/30/23 | 10-Q | |
05/02/23 | 03/31/23 | 10-Q | |
02/13/23 | 12/31/22 | 10-K | |
11/01/22 | 09/30/22 | 10-Q | |
08/02/22 | 06/30/22 | 10-Q | |
05/06/22 | 03/31/22 | 10-Q | |
03/04/22 | 12/31/21 | 10-K | |
11/02/21 | 09/30/21 | 10-Q | |
08/05/21 | 06/30/21 | 10-Q | |
04/29/21 | 03/31/21 | 10-Q | |
03/02/21 | 12/31/20 | 10-K | |
11/02/20 | 09/30/20 | 10-Q | |
08/03/20 | 06/30/20 | 10-Q | |
04/28/20 | 03/31/20 | 10-Q | |
03/02/20 | 12/31/19 | 10-K | |
11/01/19 | 09/30/19 | 10-Q | |
08/02/19 | 06/30/19 | 10-Q | |
04/30/19 | 03/31/19 | 10-Q | |
02/28/19 | 12/31/18 | 10-K | |
11/01/18 | 09/30/18 | 10-Q | |
07/31/18 | 06/30/18 | 10-Q | |
05/01/18 | 03/31/18 | 10-Q | |
02/28/18 | 12/31/17 | 10-K | |
10/30/17 | 09/30/17 | 10-Q | |
07/31/17 | 06/30/17 | 10-Q | |
04/26/17 | 03/31/17 | 10-Q | |
03/03/17 | 12/31/16 | 10-K | |
10/31/16 | 09/30/16 | 10-Q | |
08/01/16 | 06/30/16 | 10-Q | |
05/02/16 | 03/31/16 | 10-Q | |
03/02/16 | 12/31/15 | 10-K | |
10/30/15 | 09/30/15 | 10-Q | |
08/04/15 | 06/30/15 | 10-Q | |
05/01/15 | 03/31/15 | 10-Q | |
03/03/15 | 12/31/14 | 10-K | |
10/31/14 | 09/30/14 | 10-Q | |
08/04/14 | 06/30/14 | 10-Q | |
05/05/14 | 03/31/14 | 10-Q | |
03/04/14 | 12/31/13 | 10-K | |
11/05/13 | 09/30/13 | 10-Q | |
08/06/13 | 06/30/13 | 10-Q | |
05/06/13 | 03/31/13 | 10-Q | |
03/05/13 | 12/31/12 | 10-K | |
11/07/12 | 09/30/12 | 10-Q | |
08/03/12 | 06/30/12 | 10-Q | |
05/10/12 | 03/31/12 | 10-Q | |
03/09/12 | 12/31/11 | 10-K | |
11/04/11 | 09/30/11 | 10-Q | |
08/05/11 | 06/30/11 | 10-Q | |
05/11/11 | 03/31/11 | 10-Q | |
03/07/11 | 12/31/10 | 10-K | |
11/02/10 | 09/30/10 | 10-Q | |
08/16/10 | 06/30/10 | 10-Q | |
04/30/10 | 03/31/10 | 10-Q | |
03/02/10 | 12/31/09 | 10-K | |
11/04/09 | 09/30/09 | 10-Q | |
08/12/09 | 06/30/09 | 10-Q | |
05/07/09 | 03/30/09 | 10-Q | |
03/09/09 | 12/31/08 | 10-K | |
11/14/08 | 09/30/08 | 10-Q | |
08/08/08 | 06/30/08 | 10-Q | |
05/12/08 | 03/30/08 | Unknown | -- |
03/24/08 | 12/31/07 | 10-K | |
11/09/07 | 09/30/07 | 10-Q | |
08/09/07 | 06/30/07 | 10-Q | |
05/10/07 | 03/30/07 | Unknown | -- |
03/21/07 | 12/31/06 | 10-K | |
11/13/06 | 09/30/06 | 10-Q | |
08/08/06 | 06/30/06 | 10-Q | |
05/15/06 | 03/30/06 | Unknown | -- |
03/30/06 | 12/31/05 | 8-K | |
11/14/05 | 09/30/05 | 8-K | |
08/15/05 | 06/30/05 | 10-Q | |
05/13/05 | 03/30/05 | Unknown | -- |
12/31/04 | 12/31/04 | 10KSB | |
11/12/04 | 09/30/04 | 10-Q | |
06/30/04 | 06/30/04 | 10QSB | |
05/17/04 | 03/30/04 | Unknown | -- |
12/31/03 | 12/31/03 | 10KSB | |
09/30/03 | 09/30/03 | 10QSB | |
06/30/03 | 06/30/03 | 10QSB | |
03/31/03 | 03/30/03 | Unknown | -- |
12/31/02 | 12/31/02 | 10KSB | |
09/30/02 | 09/30/02 | 10QSB | |
06/30/02 | 06/30/02 | 10QSB | |
03/31/02 | 03/30/02 | Unknown | -- |
12/31/01 | 12/31/01 | 10KSB | |
09/30/01 | 09/30/01 | 10QSB | |
06/30/01 | 06/30/01 | 10QSB/A | |
03/31/01 | 03/30/01 | Unknown | -- |
12/31/00 | 12/31/00 | 10KSB | |
09/30/00 | 09/30/00 | 10QSB | |
06/30/00 | 06/30/00 | 10QSB | |
03/31/00 | 03/30/00 | Unknown | -- |