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Southern First Bancshares, Inc. (SFST)
Price$55.12
Favorite Metrics
Price vs S&P 500 (26W)32.35%
Price vs S&P 500 (4W)9.02%
Market Capitalization$484.16M
P/E Ratio (Annual)15.94x
All Metrics
P/CF (Annual)15.90x
Book Value / Share (Quarterly)$44.89
P/TBV (Annual)0.81x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)8.29%
Cash Flow / Share (Quarterly)$3.64
Price vs S&P 500 (YTD)11.62%
Net Profit Margin (TTM)16.04%
EPS (TTM)$3.70
10-Day Avg Trading Volume0.12M
EPS Excl Extra (TTM)$3.70
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)15.94x
Revenue Growth QoQ (YoY)53.38%
EPS Growth (5Y)9.66%
P/E Normalized (Annual)15.94x
ROA (Last FY)0.69%
Revenue Growth TTM (YoY)53.12%
EBITD / Share (TTM)$5.37
ROE (5Y Avg)8.78%
Cash Flow / Share (Annual)$3.64
P/B Ratio1.31x
P/B Ratio (Quarterly)1.14x
Net Income / Employee (Annual)$0
ROA (TTM)0.70%
EPS Growth QoQ (YoY)68.85%
EV / EBITDA (TTM)11.59x
EPS Incl Extra (Annual)$3.72
3-Month Avg Trading Volume0.08M
52-Week Price Return92.32%
EV / Free Cash Flow (Annual)17.04x
P/E Incl Extra (TTM)15.94x
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 Return36.34%
13-Week Price Return12.58%
Total Debt / Equity (Annual)0.07x
Enterprise Value$509.062
Revenue / Share Growth (5Y)10.28%
Book Value / Share Growth (5Y)8.93%
Revenue / Employee (Annual)$375,485
Pretax Margin (Annual)35.55%
Cash / Share (Annual)$2.35
3-Month Return Std Dev34.65%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)11.06%
EBITDA Interim CAGR (5Y)3.26%
ROE (Last FY)8.24%
EPS Basic Excl Extra (Annual)$3.72
P/FCF (TTM)15.02x
EV / Free Cash Flow (TTM)17.04x
Total Debt / Equity (Quarterly)0.07x
EPS Incl Extra (TTM)$3.70
ROI (TTM)8.06%
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/E10.60x
Free OCF CAGR (5Y)17.50%
Price vs S&P 500 (52W)62.49%
P/E Ratio (TTM)15.94x
EPS Growth TTM (YoY)93.43%
Year-to-Date Return14.27%
5-Day Price Return-1.11%
EPS Normalized (Annual)$3.72
ROA (5Y Avg)0.76%
Net Profit Margin (Annual)27.16%
Month-to-Date Return8.02%
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)15.90x
ROI (5Y Avg)7.92%
P/E Excl Extra (TTM)15.94x
LT Debt / Equity (Quarterly)0.07x
EPS Basic Excl Extra (TTM)$3.70
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)11.90%
Net Margin Growth (5Y)1.10%
Beta0.74x
P/FCF (Annual)16.21x
Revenue / Share (TTM)$11.39
ROE (TTM)8.63%
52-Week Low$30.12
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.14
4.14
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
SFSTSouthern First Bancshares, Inc. | 1.14x | 8.63% | 0.70% | — | $55.12 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
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.