Southern First Bancshares, Inc. (SFST) Stock Price

SFSTStock

$59.81+45.17%52W

Market Cap$566.51M

P/E18.66x

PEG Ratio1.48

Div yield—

Beta0.76

SFST Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-8.27%

Price vs S&P 500 (4W)-0.99%

PEG Ratio1.48

VGM Score52.59

P/E Ratio (Annual)18.66x

P/CF (Annual)18.60x

Book Value / Share (Quarterly)$47.77

P/TBV (Annual)0.81x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)8.29%

Cash Flow / Share (Quarterly)$4.15

Price vs S&P 500 (YTD)4.16%

Net Profit Margin (TTM)16.04%

EPS (TTM)$4.64

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$4.64

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)14.31x

Revenue Growth QoQ (YoY)53.38%

EPS Growth (5Y)9.66%

P/E Normalized (Annual)18.66x

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 Ratio1.25x

P/B Ratio (Quarterly)1.28x

Net Income / Employee (Annual)$96,400

ROA (TTM)0.88%

EPS Growth QoQ (YoY)48.49%

EV / EBITDA (TTM)11.51x

EPS Incl Extra (Annual)$3.72

3-Month Avg Trading Volume0.11M

52-Week Price Return45.17%

EV / Free Cash Flow (Annual)19.41x

P/E Incl Extra (TTM)14.31x

Tangible BV / Share (Quarterly)$37.57

P/S Ratio (Annual)2.22x

52-Week High$65.09

EPS Excl Extra (Annual)$3.72

CapEx CAGR (5Y)-39.69%

Tangible BV CAGR (5Y)14.49%

26-Week Price Return1.63%

13-Week Price Return-3.84%

Total Debt / Equity (Annual)0.07x

Enterprise Value$579.91M

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 Dev19.26%

Net Income / Employee (TTM)$125,700

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)13.61x

EV / Free Cash Flow (TTM)14.77x

Total Debt / Equity (Quarterly)0.03x

EPS Incl Extra (TTM)$4.64

ROI (TTM)9.63%

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/E10.62x

Free OCF CAGR (5Y)17.50%

Price vs S&P 500 (52W)29.64%

P/E Ratio (TTM)14.31x

EPS Growth TTM (YoY)72.13%

Year-to-Date Return16.09%

5-Day Price Return-0.63%

EPS Normalized (Annual)$3.72

ROA (5Y Avg)0.76%

Net Profit Margin (Annual)27.16%

Month-to-Date Return0.93%

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)13.74x

ROI (5Y Avg)7.92%

P/E Excl Extra (TTM)14.31x

LT Debt / Equity (Quarterly)0.03x

EPS Basic Excl Extra (TTM)$4.64

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)-6.53%

Net Margin Growth (5Y)1.10%

Beta0.76x

P/FCF (Annual)18.96x

Revenue / Share (TTM)$11.39

ROE (TTM)10.18%

52-Week Low$40.90

vGradeD

gGradeB

mGradeC

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SFST Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 21, 2026	$1.19	$1.20	+0.84%(+$0.01)
Q1 2026	Apr 21, 2026	$1.23	$1.19	-3.25%(-$0.04)
Q4 2025	Jan 22, 2026	$1.11	$1.21	+9.01%(+$0.10)
Q3 2025	Oct 28, 2025	$0.89	$1.07	+20.22%(+$0.18)
Q2 2025	Jul 22, 2025	$0.65	$0.81	+24.62%(+$0.16)

SFST Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.14

4.00

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
SFSTSouthern First Bancshares, Inc.	D	B	C	1.3x	10.2%	0.9%	—	$59.81
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

About Southern First Bancshares, Inc.

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.

SFST Next Earnings Report

Report dateOct 27, 2026

QuarterQ3 2026

Report timeBMO

EPS estimate$1.25

Revenue estimate$37.60M

Also reporting on Oct 27, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

SFST Insider Transactions

SellSep 18, 2026
ORDERS JAMES B III
Director
Shares: 8,044Value: $499,171
BuySep 14, 2026
LOCKE ANNA T
Director
Shares: 300Value: $18,982
SellSep 3, 2026
CUBBAGE LEIGHTON M
Director
Shares: 2,165Value: $134,354
SellAug 28, 2026
CUBBAGE LEIGHTON M
Director
Shares: 400Value: $25,200
SellAug 25, 2026
CUBBAGE LEIGHTON M
Director
Shares: 750Value: $47,268

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

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BSVNBank7 Corp. Common stockState Banks
NPBNorthpointe Bancshares, Inc.State Banks
NRIMNorthrim BanCorp IncSavings Institutions

Same SIC sector, outside this company's own industry.

Analyst Sentiment

4.0

Buy

Consensus rating

52-Week Range

Low$40.90

High$65.09