Southern First Bancshares Inc SFST Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$59.27 up $0.07, 0.12% at close Nov 6
Last close · Previous close $59.20
- Market cap
- At the Nov 6 close
- P/E ratio
- 12.22On last 12 months’ EPS
- Diluted EPS
- $4.85Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$59.27up $0.07, 0.12%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$59.20Nov 5
- Volume99.21KNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume82.04KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $46.80 to $65.09; now $59.27
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
SFST beat the S&P 500 in 4 of 7 periods.
| Period | SFST and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | SFST: down 1.9% S&P 500: down 5.6% | SFST beat the S&P 500 by 3.7 percentage points Beat |
| 3M | SFST: down 7.1% S&P 500: down 4.1% | SFST trailed the S&P 500 by 3.0 percentage points Trailed |
| YTD | SFST: up 15.0% S&P 500: up 8.7% | SFST beat the S&P 500 by 6.3 percentage points Beat |
| 1Y | SFST: up 33.6% S&P 500: up 10.9% | SFST beat the S&P 500 by 22.7 percentage points Beat |
| Long term | ||
| 3Y | SFST: up 108.6% S&P 500: up 75.0% +27.8% vs +20.5% a year | SFST beat the S&P 500 by 33.6 percentage points Beat |
| 5Y | SFST: down 1.0% S&P 500: up 67.8% −0.2% vs +10.9% a year | SFST trailed the S&P 500 by 68.8 percentage points Trailed |
| 10Y | SFST: up 122.8% S&P 500: up 313.1% +8.3% vs +15.2% a year | SFST trailed the S&P 500 by 190.3 percentage points Trailed |
$10,000 invested in SFST 10 years ago (Nov 4, 2016) would be worth about $22,282 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
SFST beat the S&P 500 in 4 of 7 periods.
| Period | SFST and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | SFST: down 1.9% S&P 500: down 5.6% | SFST beat the S&P 500 by 3.7 percentage points Beat |
| 3M | SFST: down 7.1% S&P 500: down 4.3% | SFST trailed the S&P 500 by 2.8 percentage points Trailed |
| YTD | SFST: up 15.0% S&P 500: up 7.8% | SFST beat the S&P 500 by 7.2 percentage points Beat |
| 1Y | SFST: up 33.6% S&P 500: up 9.7% | SFST beat the S&P 500 by 23.9 percentage points Beat |
| Long term | ||
| 3Y | SFST: up 108.6% S&P 500: up 68.8% +27.8% vs +19.1% a year | SFST beat the S&P 500 by 39.8 percentage points Beat |
| 5Y | SFST: down 1.0% S&P 500: up 56.9% −0.2% vs +9.4% a year | SFST trailed the S&P 500 by 57.9 percentage points Trailed |
| 10Y | SFST: up 122.8% S&P 500: up 252.6% +8.3% vs +13.4% a year | SFST trailed the S&P 500 by 129.8 percentage points Trailed |
$10,000 invested in SFST 10 years ago (Nov 4, 2016) would be worth about $22,282 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$65.02
Closing high on . Now 8.8% below that record.
Split-adjusted daily closes since Oct 28, 1999.
Stock splits
4
Latest: 11-for-10 on . Share counts adjust after each split.
All 4 splits
- 11-for-10
- 11-for-10
- 11-for-10
- 3-for-2
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q3 FY26, the quarter ended Sep 30, 2026. “Last 12 months” means the four quarters from Oct 1, 2025 to Sep 30, 2026, and balance-sheet figures are as of Sep 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $134.67Mup 23.1%
- Net income
- $43.17Mup 65.2%
- Diluted EPS
- $4.85up 50.6%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q4 FY24 (Dec 31, 2024) | $25.44M | $5.63M | $0.69 |
| Q1 FY25 (Mar 31, 2025) | $25.75M | $5.27M | $0.65 |
| Q2 FY25 (Jun 30, 2025) | $27.93M | $6.58M | $0.81 |
| Q3 FY25 (Sep 30, 2025) | $30.28M | $8.66M | $1.07 |
| Q4 FY25 (Dec 31, 2025) | $31.19M | $9.86M | $1.18 |
| Q1 FY26 (Mar 31, 2026) | $32.50M | $9.89M | $1.19 |
| Q2 FY26 (Jun 30, 2026) | $34.85M | $11.20M | $1.20 |
| Q3 FY26 (Sep 30, 2026) | $36.13M | $12.23M | $1.28 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $117.23M | $46.71M | $5.85 |
| FY22 (Dec 31, 2022) | $101.05M | $29.12M | $3.61 |
| FY23 (Dec 31, 2023) | $86.25M | $13.43M | $1.66 |
| FY24 (Dec 31, 2024) | $93.24M | $15.53M | $1.91 |
| FY25 (Dec 31, 2025) | $115.14M | $30.37M | $3.72 |
Margins
- Gross 100.0%
- Operating 41.2%
- Net 32.1%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $45.28MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$48.08MLast 12 months
- Capital spending$2.80MLast 12 months
- 33.6%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $64.83MLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$0.00Last 12 months
- Total returned$0.00Last 12 months
0% of free cash flow
Balance sheet
- Not reportedAs of Sep 30, 2026
Cash plus short- and long-term marketable securities on the Sep 30, 2026 balance sheet.
- Total debt$253.40MAs of Sep 30, 2026
- 0.55As of Sep 30, 2026
Total debt divided by shareholders’ equity on the Sep 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 10.4%Last 12 months
Over the last 12 months, Southern First Bancshares’s net income was 10.4% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 0.9%Last 12 months
Over the last 12 months, Southern First Bancshares’s net income was 0.9% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.000 |
| 2017 | $0.000 |
| 2018 | $0.000 |
| 2019 | $0.000 |
| 2020 | $0.000 |
| 2021 | $0.000 |
| 2022 | $0.000 |
| 2023 | $0.000 |
| 2024 | $0.000 |
| 2025 | $0.000 |
| 2026 (to date) | $0.000 |
Dividend details
- $0.00Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- Dividend yield0.00%Last 12 months
- $0.96Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
About Southern First Bancshares Inc
Southern First Bancshares, Inc., Greenville, South Carolina is a registered bank holding company incorporated under the laws of South Carolina. The company's wholly owned subsidiary, Southern First Bank, is the second largest bank headquartered in South Carolina. Southern First Bank has been providing financial services since 1999 and now operates in 13 locations in the Greenville, Columbia, and Charleston markets of South Carolina as well as the Charlotte, Triangle and Triad regions of North Carolina and Atlanta, Georgia. Southern First Bancshares has consolidated assets of approximately $4.1 billion and its common stock is traded on The NASDAQ Global Market under the symbol "SFST."
- Sector
- Financial Services
- Industry
- Banks - Regional
- Headquarters
- South Carolina, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
SFST news
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SFST stock FAQ
What is SFST stock’s price today?
Southern First Bancshares (SFST) traded at $59.27 at the close on , up $0.07 (0.12%) from the previous close of $59.20. Over the past 52 weeks it has traded between $46.80 and $65.09.
If you invested $1,000 in SFST 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in SFST on would be worth about $2,228 at the close on , a total return of +122.8%. The same $1,000 would be worth $990 if invested five years ago, $1,336 if invested one year ago, and $5,048 if invested 20 years ago. Past performance doesn’t predict future returns.
What is SFST’s P/E ratio?
SFST trades at 12.2 times its diluted earnings over the four quarters to ($4.85 per share), at the close. (How the P/E ratio works.)
How much revenue does Southern First Bancshares make?
Southern First Bancshares reported $134.7 million of revenue over the four quarters to , up 23.1% from the twelve months before. In its latest quarter (Q3 FY26, ended ) revenue was $36.1 million, up 19.3% from a year earlier.
Is Southern First Bancshares profitable?
Yes. Southern First Bancshares earned $43.2 million of net income over the four quarters to , a net margin of 32.1%, and its operating margin was 41.2% (what margins tell you).
What are SFST’s earnings per share?
SFST’s diluted earnings per share were $4.85 over the four quarters to , compared with $3.22 in the twelve months before. The latest quarter (Q3 FY26) brought $1.28 per share, against $1.07 a year earlier (how EPS works).
Does SFST pay a dividend?
Southern First Bancshares hasn’t paid a dividend in the last twelve months.
What is SFST’s 52-week high and low?
Over the past 52 weeks SFST has traded as low as $46.80 and as high as $65.09. At $59.27 at the close on , it is 8.9% below that high and 26.6% above the low.
What is SFST’s all-time high?
SFST’s highest closing price was $65.02 on , adjusted for stock splits. At $59.27 at the close on , it is 8.8% below that record.
Has SFST stock ever split?
Yes, four times: 3-for-2 on ; 11-for-10 on ; 11-for-10 on ; 11-for-10 on .
How has SFST stock performed?
Including dividends and measured to the close on , SFST has returned +15.0% so far this year and +33.6% over the past year, and −1.0% over five years (−0.2% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is Southern First Bancshares in?
Southern First Bancshares is in the Financial Services sector and the Banks - Regional industry, and is headquartered in South Carolina, USA.
What exchange does SFST trade on?
Southern First Bancshares trades on the Nasdaq under the ticker symbol SFST. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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