Citizens & Northern vs Southern First Bancshares
Citizens & Northern and Southern First Bancshares are similar in size: $123m and $118m of revenue in their latest fiscal years. Southern First Bancshares grew faster (26.5% against 13.3%). Southern First Bancshares kept more of each dollar of sales as profit: a net margin of 25.7% against 19.1%.
| Latest fiscal year | Citizens & NorthernCZNC, 2025 | Southern First BancsharesSFST, 2025 |
|---|---|---|
| Revenue | $123m | $118m |
| Revenue growth | 13.3% | 26.5% |
| Net income | $23.4m | $30.4m |
| Operating margin | — | — |
| Net margin | 19.1% | 25.7% |
| Return on equity | 7.6% | 8.7% |
| Free cash flow | $30.1m | $29.9m |
| Cash | $46.1m | $270m |
| Total debt | $28.6m | $0 |
| Debt to equity | — | — |
| Dividend per share | — | — |
| Dividend yield | 3.5% | — |
| Share buybacks | — | — |
| Employees | 460 | 315 |
| Market value | $502m | $576m |
| Price vs our value range | — | — |
| Moat score | 71 (Strong) | 61 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 3 buys, 23 sales |