Southern First Bancshares Inc (SFST)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$60.09

-0.10 (-0.17%)

Market Cap: $569.16M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

64%(25/39)

Avg Surprise

+3.33%

Streak

1 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$1.25

Range$1.25 - $1.26

2 analysts

EPS RevisionsNo revisions (7d)

30d

EPS Estimate DriftChange to current

90d ago$1.31-4.2%

60d ago$1.31-4.2%

30d ago$1.28-2.0%

7d ago$1.25+0.4%

Current$1.25

Revenue Consensus

$38M

Range$38M - $38M

1 analysts

Period ending Dec 31, 2026

EPS Consensus$1.32

Range$1.27 - $1.38

2 analysts

Revenue Consensus

$39M

Range$39M - $39M

1 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$1.32	$1.27 - $1.38	-	-	2	-	-
Sep 30, 2026Sep 26EST	-	$1.25	$1.25 - $1.26	-	-	2	0 1 30d	-
Jun 30, 2026Jun 26 Reported Jul 21, 2026Reported Jul 21	$1.20	$1.19	$1.19 - $1.19	+0.84%	Beat	2	0 1 30d	+48.1%
Mar 31, 2026Mar 26 Reported Apr 21, 2026Reported Apr 21	$1.19	$1.23	$1.23 - $1.23	-3.25%	Miss	1	1 0 30d	+83.1%
Dec 31, 2025Dec 25 Reported Jan 22, 2026Reported Jan 22	$1.21	$1.11	$1.11 - $1.11	+9.01%	Beat	1	1 0 30d	+72.9%
Sep 30, 2025Sep 25 Reported Oct 28, 2025Reported Oct 28	$1.07	$0.89	$0.86 - $0.92	+20.22%	Beat	2	2 0 30d	+98.1%
Jun 30, 2025Jun 25 Reported Jul 22, 2025Reported Jul 22	$0.81	$0.65	$0.65 - $0.65	+24.62%	Beat	2	0 1 30d	+118.9%
Mar 31, 2025Mar 25 Reported Apr 22, 2025Reported Apr 22	$0.65	$0.61	$0.61 - $0.61	+6.56%	Beat	1	0 1 30d	+109.7%
Dec 31, 2024Dec 24 Reported Jan 28, 2025Reported Jan 28	$0.70	$0.65	$0.65 - $0.65	+7.69%	Beat	1	0 1 30d	+37.3%
Sep 30, 2024Sep 24 Reported Oct 22, 2024Reported Oct 22	$0.54	$0.55	$0.55 - $0.55	-1.82%	Miss	1	No revisions (30d)	+5.9%
Jun 30, 2024Jun 24 Reported Jul 18, 2024Reported Jul 18	$0.37	$0.48	$0.48 - $0.48	-22.92%	Miss	1	No revisions (30d)	+19.4%
Mar 31, 2024Mar 24 Reported Apr 18, 2024Reported Apr 18	$0.31	$0.38	$0.38 - $0.38	-18.42%	Miss	1	No revisions (30d)	-6.1%
Dec 31, 2023Dec 23 Reported Jan 18, 2024Reported Jan 18	$0.51	$0.39	$0.36 - $0.41	+30.77%	Beat	2	No revisions (30d)	-25.0%
Sep 30, 2023Sep 23 Reported Oct 19, 2023Reported Oct 19	$0.51	$0.33	$0.32 - $0.33	+54.55%	Beat	2	No revisions (30d)	-51.0%
Jun 30, 2023Jun 23 Reported Jul 25, 2023Reported Jul 25	$0.31	$0.32	$0.26 - $0.42	-3.13%	Miss	3	No revisions (30d)	-65.6%
Mar 31, 2023Mar 23 Reported Apr 25, 2023Reported Apr 25	$0.33	$0.64	$0.62 - $0.66	-48.44%	Miss	3	No revisions (30d)	-66.3%
Dec 31, 2022Dec 22 Reported Jan 24, 2023Reported Jan 24	$0.68	$0.96	$0.92 - $1.14	-29.17%	Miss	3	No revisions (30d)	-54.4%
Sep 30, 2022Sep 22 Reported Oct 25, 2022Reported Oct 25	$1.04	$1.02	$0.94 - $1.11	+1.96%	Beat	2	No revisions (30d)	-40.6%
Jun 30, 2022Jun 22 Reported Jul 26, 2022Reported Jul 26	$0.90	$1.08	$1.08 - $1.08	-16.67%	Miss	1	1 0 30d	-29.1%
Mar 31, 2022Mar 22 Reported Apr 26, 2022Reported Apr 26	$0.98	$1.08	$1.04 - $1.13	-9.26%	Miss	3	No revisions (30d)	-25.2%
Dec 31, 2021Dec 21 Reported Jan 25, 2022Reported Jan 25	$1.49	$1.19	$1.14 - $1.27	+25.21%	Beat	3	No revisions (30d)	+35.5%
Sep 30, 2021Sep 21 Reported Oct 26, 2021Reported Oct 26	$1.75	$1.16	$1.07 - $1.23	+50.86%	Beat	3	2 0 30d	+525.0%
Jun 30, 2021Jun 21 Reported Jul 27, 2021Reported Jul 27	$1.27	$1.14	$1.03 - $1.20	+11.40%	Beat	3	1 0 30d	+234.2%
Mar 31, 2021Mar 21 Reported Apr 27, 2021Reported Apr 27	$1.31	$0.99	$0.68 - $1.31	+32.32%	Beat	3	1 0 30d	+263.9%
Dec 31, 2020Dec 20 Reported Mar 2, 2021Reported Mar 2	$1.10	$0.63	$0.46 - $0.84	+74.60%	Beat	3	No revisions (30d)	+2.8%
Sep 30, 2020Sep 20 Reported Oct 27, 2020Reported Oct 27	$0.28	N/A	-	-50.88%	Miss	3	1 0 30d	-70.5%
Jun 30, 2020Jun 20 Reported Aug 3, 2020Reported Aug 3	$0.38	$0.38	$0.38 - $0.89	+0.00%	Beat	3	No revisions (30d)	-59.1%
Mar 31, 2020Mar 20 Reported Apr 28, 2020Reported Apr 28	$0.36	N/A	-	-59.09%	Miss	2	No revisions (30d)	-53.8%
Dec 31, 2019Dec 19 Reported Mar 2, 2020Reported Mar 2	$1.07	$0.85	$0.85 - $0.85	+25.88%	Beat	1	No revisions (30d)	+42.7%
Sep 30, 2019Sep 19 Reported Nov 1, 2019Reported Nov 1	$0.95	$0.87	$0.83 - $0.90	+9.20%	Beat	2	No revisions (30d)	+26.7%
Jun 30, 2019Jun 19 Reported Aug 2, 2019Reported Aug 2	$0.93	$0.78	$0.78 - $0.78	+19.23%	Beat	1	No revisions (30d)	+31.0%
Mar 31, 2019Mar 19 Reported Apr 23, 2019Reported Apr 23	$0.78	$0.72	$0.72 - $0.72	+8.33%	Beat	2	No revisions (30d)	+16.4%
Dec 31, 2018Dec 18 Reported Jan 22, 2019Reported Jan 22	$0.75	$0.73	$0.71 - $0.74	+2.74%	Beat	2	No revisions (30d)	+177.8%
Sep 30, 2018Sep 18 Reported Nov 1, 2018Reported Nov 1	$0.75	$0.70	$0.68 - $0.72	+7.14%	Beat	2	No revisions (30d)	+36.4%
Jun 30, 2018Jun 18 Reported Jul 31, 2018Reported Jul 31	$0.71	$0.67	$0.67 - $0.69	+5.97%	Beat	2	1 0 30d	+44.9%
Mar 31, 2018Mar 18 Reported Apr 24, 2018Reported Apr 24	$0.67	$0.61	$0.61 - $0.64	+9.84%	Beat	2	No revisions (30d)	+45.7%
Dec 31, 2017Dec 17 Reported Jan 23, 2018Reported Jan 23	$0.27	$0.54	-	-50.00%	Miss	2	No revisions (30d)	-44.9%
Sep 30, 2017Sep 17 Reported Oct 24, 2017Reported Oct 24	$0.55	$0.50	$0.50 - $0.53	+10.00%	Beat	2	No revisions (30d)	-
Jun 30, 2017Jun 17 Reported Jul 25, 2017Reported Jul 25	$0.49	$0.50	$0.46 - $0.50	-2.00%	Miss	3	No revisions (30d)	-
Mar 31, 2017Mar 17 Reported Apr 25, 2017Reported Apr 25	$0.46	$0.48	-	-4.17%	Miss	-	-	-
Dec 31, 2016Dec 16 Reported Jan 24, 2017Reported Jan 24	$0.49	$0.49	-	+0.00%	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield0.00%

Forward Annual Dividend$0.00

No dividend payments in the selected period.

Key Metrics

Valuation
P/E Ratio	12.87	EV/EBITDA	N/A
Price/FCF	N/A	FCF Yield	N/A
Profitability
Profit Margin	30.70%	Operating Margin	44.00%
ROE	9.93%	ROIC	N/A
Financial Health
Debt/Equity	0.56x	Interest Coverage	0.37x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.72	Avg Volume	85.70K
52-Week High	$65.09	52-Week Low	$40.90

Technical Indicators Dashboard

Moving Averages

SMA 10$60.13

SMA 20$60.40

SMA 50$62.01

SMA 200$58.34

EMA 10$60.20

EMA 20$60.58

EMA 50$61.14

EMA 200$57.45

MACD

Line: -0.53Signal: -0.57Hist: 0.04

ADX

ADX: 15.4+DI: 19.9-DI: 20.1

Aroon & PSAR

Aroon Up12.0

Aroon Down68.0

PSAR$58.55

Bollinger Bands

Upper Band$61.79

Lower Band$59.00

%B Position464%(Upper)

Band Width0.39

RSI (14-Day)

Neutral

44.7

Momentum Oscillators

Stoch %K54.3

Stoch %D49.6

Williams %R-40.4

ROC (10d)0.9%

Momentum0.54

CCI (20d)-15.9

MFI (14d)47.1

Volatility Measures

ATR (14d)$1.28(2.1%)

StdDev (20d)0.70

Hist Vol18.5%(Low)

Volume Flow

VWAP$60.27

OBV3.8M

AD Line-2.4K

CMF (20d)-0.107

Volume Metrics

Avg Vol (20d)81.7K

Vol Ratio0.7x

VWMA (20d)$60.51

Pivot Points

R3$61.64

R2$61.05

R1$60.62

Pivot Point$60.03

S1$59.60

S2$59.01

S3$58.58

Advanced Oscillators

TSI-13.31

Ultimate Osc48.0

KST-39.11

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$35.88M	$33.80M	$57.62M	$58.59M	$28.63M	$26.50M	$25.24M	$23.77M	$23.05M	$21.31M	$21.39M	$22.09M
Cost of Revenue	N/A	$1.30M	$26.44M	$28.31M	$27.72M	$27.01M	$28.47M	$30.58M	$31.52M	$29.54M	$29.10M	$27.60M
Gross Profit	N/A	$32.50M	$31.18M	$30.28M	$27.93M	$25.75M	$25.41M	$23.77M	$22.55M	$21.48M	$22.36M	$22.59M

Operating Expenses	$20.39M	$20.02M	$18.42M	$18.95M	$19.34M	$18.84M	$18.54M	$18.04M	$18.64M	$18.10M	$17.03M	$17.30M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$12.99M	$16.51M	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$12.48M	$12.77M	$11.33M	$8.59M	$6.91M	$6.89M	$5.73M	$3.91M	$3.38M	$5.34M	$5.29M

Interest Income	$58.13M	$54.61M	$54.53M	$54.99M	$52.32M	$49.65M	$51.13M	$51.17M	$50.55M	$48.36M	$49.13M	$47.45M
Interest Expense	$25.76M	$24.35M	$25.79M	$27.46M	$27.02M	$26.26M	$28.67M	$30.58M	$31.02M	$29.72M	$30.07M	$28.10M
Income Before Tax	$14.46M	$12.48M	$12.77M	$11.33M	$8.59M	$6.91M	$6.89M	$5.73M	$3.91M	$3.38M	$5.34M	$5.29M
Income Tax Expense	$3.27M	$2.60M	$2.91M	$2.67M	$2.01M	$1.65M	$1.27M	$1.34M	$909,000	$862,000	$1.17M	$1.20M

Net Income	$11.20M	$9.89M	$9.86M	$8.66M	$6.58M	$5.27M	$5.63M	$4.38M	$3.00M	$2.52M	$4.17M	$4.10M

EBITDA	$15.35M	$13.32M	$13.53M	$12.69M	$9.84M	$8.18M	$8.20M	$7.09M	$5.26M	$4.73M	$6.46M	$6.39M
EBIT	$14.46M	$12.48M	$12.77M	$11.33M	$8.59M	$6.91M	$6.89M	$5.73M	$3.91M	$3.38M	$5.34M	$5.29M

* Some calculated fields are derived from available data when not provided by source

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News

Southern First Bancshares (NASDAQ:SFST) Stock Breaks Below Two Hundred Day Moving Average - Should You Sell?

Southern First Bancshares (NASDAQ:SFST) stock recently fell below its 200-day moving average, trading as low as $59.70 before recovering slightly to $60.09. Despite this dip...

MarketBeat•Oct 14, 2026 3:40 AM ET10/14/26•Neutral

SFST4943162 Bond Profile: Coupon and Redemption

This article provides a detailed profile of the Southern First Bancshares, Inc. bond (SFST4943162), which has a 7.10874% coupon and matures on September 30, 2029. It outlines key facts such as the issuer type...

TradingView•Sep 29, 2026 8:25 PM ET9/29/26•Neutral

91,966 Shares in Southern First Bancshares, Inc. $SFST Purchased by Bank of America Corp DE

Bank of America Corp DE acquired 91,966 shares of Southern First Bancshares (NASDAQ:SFST) during the second quarter, valued at approximately $5.6 million...

MarketBeat•Sep 28, 2026 3:22 AM ET9/28/26•Neutral

Southern First Bancshares, Inc. (SFST) Stock Price, News, Quote & History

This article provides detailed financial information and performance data for Southern First Bancshares, Inc. (SFST), including its stock price, historical data, key financial metrics, earnings trends...

Yahoo! Finance Canada•Sep 24, 2026 2:45 AM ET9/24/26•Somewhat-Bullish

Southern first director James Orders III disposes of $499k in stock

James B. Orders III, a director at Southern First Bancshares Inc. (NASDAQ:SFST), recently sold 8,044.66 shares of the company's common stock for approximately $499,171. The transaction occurred on September 18, 2026...

Investing.com•Sep 23, 2026 6:20 AM ET9/23/26•Somewhat-Bearish

SFST Valuation and Fair Value

P/E: 12.9x
Forward P/E: 18.6x
PEG: 2.3x
P/B: 1.2x

See GNG's fair value

SFST Profitability: Margins, ROIC and FCF

Operating margin: 44.0%
Net margin: 30.7%
ROE: 9.9%

SFST Competitors

Company	Ticker
Velocity Financial Llc	VEL
Kearny Financial Corp	KRNY
Greene County Bancorp Inc	GCBC
Civista Bancshares Inc	CIVB
First Business Financial Services	FBIZ
Unity Bancorp Inc	UNTY
Crawford & Company	CRD-A
Brighthouse Financial, Inc.	BHFAM

Sector: Financial Services

SFST Bull Case vs Bear Case

Bull case

SFST has a 30.7% net profit margin.
SFST beat EPS estimates in 75.0% of its last 8 reported quarters.
SFST grew quarterly revenue 24.8% year over year.

SFST Earnings: Beat Rate and Next Report

Beat rate: 6 of 8 quarters (75.0%)
Average surprise: 8.0%
EPS estimate (fiscal period ending Sep 30, 2026): $1.25
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 0 up, 1 down

SFST Dividend

Forward yield: 0.0%

Frequently Asked Questions About SFST

Does SFST pay dividends?

Southern First Bancshares Inc (SFST) has a dividend payment track record. See the SFST dividend history page for its current payment status, TTM yield, and recorded payments.

What is SFST's P/E ratio?

Southern First Bancshares Inc has a price-to-earnings (P/E) ratio of 12.87.

What is SFST's market cap?

Southern First Bancshares Inc (SFST) has a market capitalization of $569.16M with a current stock price of $60.09.

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