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Southern First Bancshares, Inc. (SFST)
Price$57.26
Value ScoreD
Growth ScoreB
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)3.95%
Price vs S&P 500 (4W)-3.28%
VGM Score51.58
Market Capitalization$543.58M
P/E Ratio (Annual)17.90x
All Metrics
P/CF (Annual)17.85x
Book Value / Share (Quarterly)$46.00
P/TBV (Annual)0.81x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)8.29%
Cash Flow / Share (Quarterly)$3.99
Price vs S&P 500 (YTD)1.20%
Net Profit Margin (TTM)16.04%
EPS (TTM)$4.25
10-Day Avg Trading Volume0.14M
EPS Excl Extra (TTM)$4.25
Revenue Growth (5Y)13.96%
EPS (Annual)$3.72
ROI (Annual)7.72%
Net Profit Margin (5Y Avg)30.59%
Cash / Share (Quarterly)$2.15
P/E Basic Excl Extra (TTM)15.54x
Revenue Growth QoQ (YoY)53.38%
EPS Growth (5Y)9.66%
P/E Normalized (Annual)17.90x
ROA (Last FY)0.69%
Revenue Growth TTM (YoY)53.12%
EBITD / Share (TTM)$4.30
ROE (5Y Avg)8.78%
Cash Flow / Share (Annual)$3.64
P/B Ratio1.43x
P/B Ratio (Quarterly)1.18x
Net Income / Employee (Annual)$96,400
ROA (TTM)0.79%
EPS Growth QoQ (YoY)83.61%
EV / EBITDA (TTM)11.51x
EPS Incl Extra (Annual)$3.72
3-Month Avg Trading Volume0.11M
52-Week Price Return57.37%
EV / Free Cash Flow (Annual)19.03x
P/E Incl Extra (TTM)15.54x
Tangible BV / Share (Quarterly)$37.57
P/S Ratio (Annual)2.22x
52-Week High$62.00
EPS Excl Extra (Annual)$3.72
CapEx CAGR (5Y)-39.69%
Tangible BV CAGR (5Y)14.49%
26-Week Price Return19.88%
13-Week Price Return-4.69%
Total Debt / Equity (Annual)0.07x
Enterprise Value$568.48M
Revenue / Share Growth (5Y)10.28%
Book Value / Share Growth (5Y)8.93%
Revenue / Employee (Annual)$375,485,100,000
Pretax Margin (Annual)35.55%
Cash / Share (Annual)$2.35
3-Month Return Std Dev30.12%
Net Income / Employee (TTM)$111,100
EBITDA CAGR (5Y)12.19%
EBITDA Interim CAGR (5Y)2.12%
ROE (Last FY)8.24%
EPS Basic Excl Extra (Annual)$3.72
P/FCF (TTM)15.40x
EV / Free Cash Flow (TTM)17.26x
Total Debt / Equity (Quarterly)0.07x
EPS Incl Extra (TTM)$4.25
ROI (TTM)9.03%
P/S Ratio (TTM)2.59x
Pretax Margin (5Y Avg)39.61%
Revenue / Share (Annual)$13.28
Tangible BV / Share (Annual)$36.76
Forward P/E10.31x
Free OCF CAGR (5Y)17.50%
Price vs S&P 500 (52W)29.16%
P/E Ratio (TTM)15.54x
EPS Growth TTM (YoY)88.38%
Year-to-Date Return12.13%
5-Day Price Return0.79%
EPS Normalized (Annual)$3.72
ROA (5Y Avg)0.76%
Net Profit Margin (Annual)27.16%
Month-to-Date Return2.61%
Cash Flow / Share (TTM)$2.42
EBITD / Share (Annual)$5.38
EPS Growth (3Y)1.18%
LT Debt / Equity (Annual)0.07x
P/CF (TTM)16.15x
ROI (5Y Avg)7.92%
P/E Excl Extra (TTM)15.54x
LT Debt / Equity (Quarterly)0.07x
EPS Basic Excl Extra (TTM)$4.25
P/TBV (Quarterly)0.78x
P/B Ratio (Annual)1.14x
Pretax Margin (TTM)20.86%
Book Value / Share (Annual)$44.89
Price vs S&P 500 (13W)-14.43%
Net Margin Growth (5Y)1.10%
Beta0.69x
P/FCF (Annual)18.19x
Revenue / Share (TTM)$11.39
ROE (TTM)9.65%
52-Week Low$34.51
vGradeD
gGradeB
mGradeC
vgmGradeC
Show chart for
Earnings Surprise History
Q1 261.19est. 1.25
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.00
4.14
4.14
4.14
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
SFSTSouthern First Bancshares, Inc. | D | B | C | $57.26 |
| JPMJPMorgan Chase & Co. | D | C | D | $296.58 |
| BACBank of America Corporation | C | C | D | $51.51 |
| WFCWells Fargo & Co. | D | C | D | $77.17 |
| CCitigroup Inc. | C | C | A | $129.09 |
| COFCapital One Financial | C | D | F | $184.56 |
| UBSUBS Group AG | C | C | B | $47.99 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | B | $9.03 |
| PNCPNC Financial Services Group | C | C | C | $216.07 |
| USBU.S. Bancorp | C | C | C | $53.55 |
| TFCTruist Financial Corporation | B | C | D | $46.87 |
About
Southern First Bancshares is a regional bank holding company offering commercial, consumer, and mortgage lending across the Southeast. The company operates through retail offices in South Carolina (Greenville, Columbia, Charleston), North Carolina (Raleigh, Greensboro, Charlotte), and Atlanta, Georgia, providing deposit-taking, loan services, and ATM processing with FDIC-insured deposits.