Southern First Bancshares vs Unity Bancorp
Southern First Bancshares and Unity Bancorp are similar in size: $118m and $132m of revenue in their latest fiscal years. Southern First Bancshares grew faster (26.5% against 23.1%). Unity Bancorp kept more of each dollar of sales as profit: a net margin of 44.0% against 25.7%.
| Latest fiscal year | Southern First BancsharesSFST, 2025 | Unity BancorpUNTY, 2025 |
|---|---|---|
| Revenue | $118m | $132m |
| Revenue growth | 26.5% | 23.1% |
| Net income | $30.4m | $58.0m |
| Operating margin | — | — |
| Net margin | 25.7% | 44.0% |
| Return on equity | 8.7% | 18.1% |
| Free cash flow | $29.9m | $44.3m |
| Cash | $270m | $217m |
| Total debt | $0 | $266m |
| Debt to equity | — | — |
| Dividend per share | — | $0.58 |
| Dividend yield | — | 1.0% |
| Share buybacks | — | $5.0m |
| Employees | 315 | — |
| Market value | $576m | $584m |
| Price vs our value range | — | — |
| Moat score | 61 (Moderate) | 92 (Strong) |
| Insider trades, 12 months | 3 buys, 23 sales | 0 buys, 13 sales |