undamentalytics Newsletter
Sign in

Southern First Bancshares Inc (SFST) stock

Add to watchlist

Add holding +

NASDAQ: SFST Nasdaq Regional Banks Next results ~January 21, 2027

D Fundamentals grade

Southern First Bancshares Inc is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

Loading chart…

Third-party market data · may be delayed

Fair value per share

~$47

Valuation models combined (5)

Base case. Range ~$39–$60. Weighted average of 5 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, price-to-earnings vs peers), the residual income counting double.

Price vs value

Overvalued

The price is above our entire value range; our base value is 23% below it.

Price used: $61.01, November 2, 2026

Southern First Bancshares Inc valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders3 buying, 7 selling3 purchases and 23 sales by directors and officers, last 12 monthsInsider trades
  • Funds113 adding, 41 cuttingOf 31 active managers that changed their stake, 23 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Southern First Bancshares files

10-Q filed October 30: Southern First Bancshares

Model value −1.0%

Revenue for the twelve months to September 2026 was $139m, up 24.7% on a year earlier, slower than the 27.4% growth a quarter earlier. The diluted share count is up 9.5% on a year earlier, which dilutes existing holders. Its fundamentals grade moves from C to D. Our model value falls from $51.20 to $50.71 a share, against a share price of $59.58. The rating stays Sell.

Source: 10-Q filed October 30, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Southern First Bancshares stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $133m, up 27.4% on a year earlier, about the same pace as a quarter earlier. The diluted share count is up 4.9% on a year earlier, which dilutes existing holders. Our cash-flow model value is $51.20 a share, against a share price of $61.45.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 21, 2027 (estimated)

Southern First Bancshares Inc's trailing-twelve-month revenue grew 24.7% year on year, with a free-cash-flow margin of 32.6%. Where it lags: change in share count of 9.5% ranks 194 of 230 regional banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 49.9% while net income grew 65.2%: a 15pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 24.7% over the last 12 months, against a median of 12.5% for regional banks companies we cover.
  • Strong cash generation. 32.6% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.4bn.

Things to watch

  • Priced above our value. The share price of $61.01 is 23% above our value per share of $47.
  • Share dilution. Diluted shares rose 9.5% in a year.
  • Growth easing. The growth rate is 2.7 points lower than a quarter earlier.
  • Below peers: stock pay as % of revenue. Stock pay as % of revenue of 1.8% ranks 158 of 206 regional banks companies we cover (median 1.3%).
  • Below peers: change in growth rate. Change in growth rate of -2.7pp ranks 187 of 244 regional banks companies we cover (median +0.0pp).

Latest results: FY2026 Q3

Filed October 30, 2026
Earnings per share
$1.28 against an average estimate of $1.25: beat by 2.0%
Revenue
$38m, up 20.6% on a year earlier
Share reaction
+1.6% in the first session after the results on October 20, 2026, against +0.9% for the S&P 500
Next report
January 21, 2027; average EPS estimate $1.32

Southern First Bancshares' figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.4%
  • 1 week-0.3%
  • 1 month+0.3%
  • This year+18.4%
  • 1 year+39.2%
  • 5 years+5.3%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$139M
Net margin
31.0%
EPS (TTM, diluted)
$4.86

Growth

Revenue growth
+24.7%
Change in growth rate
−2.7 pts
Share count change
+9.5%

Earnings

Last results
October 20, 2026
Next results (est.)
January 18, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Announcement
  3. Insider trade
  4. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Southern First Bancshares Inc valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Sell12-month view
12-month price target
~$47
Price used
$60.46close November 3, 2026
Implied change
▼ 22%
Uncertainty
Low

How we got here: the combined value of 5 valuation models built for a business like Southern First Bancshares Inc (see the models table below and how they are combined) , with a 8.39% cost of equity. The models span ~$39–~$60; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Southern First Bancshares Inc as a bank or lender, with every model that fits that kind of business. Cost of equity 8.4%: the 10-year Treasury yield (4.9%) plus a beta of 0.77 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$47 ~$30–$75 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$46 ~$39–$57 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$60 ~$33–$86 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$39 ~$51–$76 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$44 ~$50–$68 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$47 ~$39–$60 5 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Southern First Bancshares Inc with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

61 /100

Moderate moat

How hard Southern First Bancshares's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 10 / 20

    Net income has been a median 0.9% of total assets over 10 years.

  • Durability 17 / 20

    Net margin has been a median 26.1%; its worst year was 15.7%.

  • Discipline 13 / 20

    The diluted share count rose 11.9% over five years; stock-based pay has been a median 1.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (66 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 21, 2027, before the open. Analysts expect revenue of $39m and EPS of $1.32 (range $1.32 to $1.32) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $4.99 +33% $146m +24%
Next $6.17 +24% $172m +18%

Next year's EPS estimate has moved +0.2% in 90 days, across 2 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +0.8% on 90 days ago. In the last 30 days, 0 analysts raised Southern First Bancshares Inc's forecast and 1 cut it.

Consensus EPS forecast Southern First Bancshares Inc, last 90 days
$4.50 $5.00 $5.50 $6.00 $6.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $4.95 Current fiscal year, 60 days ago: $5.00 Current fiscal year, 30 days ago: $5.00 Current fiscal year, 7 days ago: $5.00 Current fiscal year, Now: $4.99 $4.99 Next fiscal year, 90 days ago: $6.17 Next fiscal year, 60 days ago: $6.17 Next fiscal year, 30 days ago: $6.17 Next fiscal year, 7 days ago: $6.17 Next fiscal year, Now: $6.17 $6.17

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $4.95$6.17
60 days ago $5.00$6.17
30 days ago $5.00$6.17
7 days ago $5.00$6.17
Now $4.99$6.17

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $1.25 $1.28 +2.0%
Jun 2026 $1.19 $1.20 +0.8%
Mar 2026 $1.23 $1.19 −3.2%
Dec 2025 $1.11 $1.21 +9.0%

Adjusted EPS as companies report it, against the average analyst estimate.

Analyst recommendations

2 analysts, Oct 2026
Buy150%
Hold150%
Sell00%

Monthly trend

  1. Oct 2026112
  2. Sep 2026112

Counts of recommendations published by analysts covering Southern First Bancshares Inc, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
4.8%
of tradable shares
Days to cover
5.28
at average volume
Short interest, 1 month
+4%
to October 15, 2026
Held by institutions
93%
of shares
Held by insiders
5.1%
of shares
Employees
315
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

What moved the share price

Last 12 months +39.2%

$43.84 on October 31, 2025 to $61.01

ThenNowEffect
Revenue (last 12 months) $104m $133m +27.4%
Net margin 21.0% 29.9% +42.2%
P/E multiple 16.3x 13.1x −19.5%
Share count 8m 9m −4.6%

Biggest factor: net margin.

Last 3 years +112.3%

$28.74 on November 3, 2023 to $61.01

ThenNowEffect
Revenue (last 12 months) $98m $133m +35.4%
Net margin 19.5% 29.9% +53.4%
P/E multiple 12.2x 13.1x +7.6%
Share count 8m 9m −5.0%

Biggest factor: net margin.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
SFST+77%−27%−19%+7%+30%+18%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
SFST83%25%42%58%58%73%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
SFST−15%−36%−53%−34%−23%−16%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since October 29, 2015: 67% from January 7, 2022 to May 4, 2023. Getting back needed a 205% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$44.11 – $64.60
From 52-week high
−5.6%
vs 50-day average
−0.2%
vs 200-day average
+3.6%
Volatility (1 year)
28%
Beta vs S&P 500
0.45

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
9 up, 3 down
typical move ±4.6%
After a week
9 up, 3 down
typical move ±4.7%
After a month
8 up, 3 down
typical move ±8.8%
Results releasedNext dayS&P 500 next day5 days21 days
October 20, 2026 +1.6% +0.9% +3.6% —
July 21, 2026 −1.7% +0.7% +1.8% +1.8%
April 21, 2026 +1.0% +0.4% +2.9% +0.5%
April 15, 2026 −6.3% +1.0% −3.7% −5.2%
January 22, 2026 −5.0% +0.6% −3.9% +3.9%
October 28, 2025 +3.9% +0.3% +5.2% +20.7%
July 22, 2025 +11.3% +0.9% +8.0% +4.7%
April 22, 2025 +4.3% +4.2% +13.4% +13.9%
January 28, 2025 +4.0% +0.4% −2.2% −8.9%
October 22, 2024 +6.7% −1.0% +5.7% +19.6%
July 18, 2024 +1.1% −1.4% +4.7% −9.3%
April 18, 2024 +8.2% −1.1% +1.8% +8.2%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Southern First Bancshares Inc in five measures

Fundamentals grade D
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Southern First Bancshares Inc
$80M $100M $120M $140M FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $87.5M Revenue (TTM), FY24 Q1: $86.4M Revenue (TTM), FY24 Q2: $87.8M Revenue (TTM), FY24 Q3: $89.5M Revenue (TTM), FY24 Q4: $93.4M Revenue (TTM), FY25 Q1: $98.6M Revenue (TTM), FY25 Q2: $104.1M Revenue (TTM), FY25 Q3: $111.5M Revenue (TTM), FY25 Q4: $118.1M Revenue (TTM), FY26 Q1: $125.4M Revenue (TTM), FY26 Q2: $132.6M Revenue (TTM), FY26 Q3: $139M $139M

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $87.5M
FY24 Q1 $86.4M
FY24 Q2 $87.8M
FY24 Q3 $89.5M
FY24 Q4 $93.4M
FY25 Q1 $98.6M
FY25 Q2 $104.1M
FY25 Q3 $111.5M
FY25 Q4 $118.1M
FY26 Q1 $125.4M
FY26 Q2 $132.6M
FY26 Q3 $139M
Revenue growth, TTM YoY Southern First Bancshares Inc
-20% 0% 20% 40% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: -18.4% Revenue growth, TTM YoY, FY24 Q1: -16.6% Revenue growth, TTM YoY, FY24 Q2: -10.4% Revenue growth, TTM YoY, FY24 Q3: -2.6% Revenue growth, TTM YoY, FY24 Q4: 6.7% Revenue growth, TTM YoY, FY25 Q1: 14.1% Revenue growth, TTM YoY, FY25 Q2: 18.5% Revenue growth, TTM YoY, FY25 Q3: 24.5% Revenue growth, TTM YoY, FY25 Q4: 26.5% Revenue growth, TTM YoY, FY26 Q1: 27.2% Revenue growth, TTM YoY, FY26 Q2: 27.4% Revenue growth, TTM YoY, FY26 Q3: 24.7% 24.7%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 -18.4%
FY24 Q1 -16.6%
FY24 Q2 -10.4%
FY24 Q3 -2.6%
FY24 Q4 6.7%
FY25 Q1 14.1%
FY25 Q2 18.5%
FY25 Q3 24.5%
FY25 Q4 26.5%
FY26 Q1 27.2%
FY26 Q2 27.4%
FY26 Q3 24.7%
FCF margin (TTM) Southern First Bancshares Inc
0% 20% 40% 60% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 18.8% FCF margin (TTM), FY24 Q1: 14.1% FCF margin (TTM), FY24 Q2: 26.4% FCF margin (TTM), FY24 Q3: 37.5% FCF margin (TTM), FY24 Q4: 26.5% FCF margin (TTM), FY25 Q1: 35.9% FCF margin (TTM), FY25 Q2: 40.3% FCF margin (TTM), FY25 Q3: 27.1% FCF margin (TTM), FY25 Q4: 25.3% FCF margin (TTM), FY26 Q1: 26.3% FCF margin (TTM), FY26 Q2: 29.6% FCF margin (TTM), FY26 Q3: 32.6% 32.6%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 18.8%
FY24 Q1 14.1%
FY24 Q2 26.4%
FY24 Q3 37.5%
FY24 Q4 26.5%
FY25 Q1 35.9%
FY25 Q2 40.3%
FY25 Q3 27.1%
FY25 Q4 25.3%
FY26 Q1 26.3%
FY26 Q2 29.6%
FY26 Q3 32.6%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Southern First Bancshares earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $211M
  2. Fee and other income $13.1M · 11.1%
  3. Interest paid $107M
  4. Net interest income $105M · 88.9%
  5. Revenue $118M
  6. Non-interest expense $75.5M · 64.0%
  7. Credit-loss provisions $3M · 2.5%
  8. Pre-tax profit $39.6M · 33.5%
  9. Income tax $9.2M · 7.8%
  10. Net income $30.4M · 25.7%

Shares of revenue. Source: Southern First Bancshares's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 21 23 26 30 33 39 47 54 60 70 82 107 105 107 88 93 118 139
Net income 1 1 2 4 5 7 10 13 13 22 28 18 47 29 13 16 30 43
Diluted EPS $0.07 −$0.06 $0.22 $0.64 $0.98 $1.10 $1.55 $1.94 $1.76 $2.88 $3.58 $2.34 $5.85 $3.61 $1.66 $1.91 $3.72 $4.86
Growth (year on year)
Revenue — +8.3% +12.0% +14.2% +10.3% +18.3% +20.9% +14.7% +11.8% +16.8% +16.9% +30.3% −2.2% +2.3% −18.4% +6.7% +26.5% +24.7%
Net income — −37.3% +134.6% +85.0% +32.6% +29.4% +53.5% +28.2% +0.1% +70.9% +25.0% −34.2% +154.9% −37.7% −53.9% +15.7% +95.5% +65.2%
Diluted EPS — −185.7% — +190.9% +53.1% +12.2% +40.9% +25.2% −9.3% +63.6% +24.3% −34.6% +150.0% −38.3% −54.0% +15.1% +94.8% +50.9%
Margins
Net margin 6.6% 3.8% 8.0% 13.0% 15.6% 17.1% 21.7% 24.2% 21.7% 31.7% 33.9% 17.1% 44.6% 27.2% 15.3% 16.6% 25.7% 31.0%
Free-cash-flow margin −12.0% 45.0% 33.9% 31.9% 19.2% 6.5% 32.9% 21.7% 19.6% 42.3% 12.0% 12.5% 49.2% 33.9% 18.8% 26.5% 25.3% 32.6%
Cash flow
Cash from operations 3 11 11 12 9 5 20 17 17 32 18 21 78 50 18 26 30 48
Capital spending 5 0 2 2 2 2 5 5 5 2 8 7 27 14 1 1 1 3
Free cash flow −3 10 9 10 6 3 15 12 12 30 10 13 52 36 16 25 30 45
Stock-based pay 0 0 0 0 1 1 1 2 1 2 2 1 2 2 2 2 2 3
Free cash flow after stock pay −3 10 9 9 6 2 15 10 11 28 8 12 50 34 14 22 28 43
Balance sheet
Cash 12 54 23 29 39 41 63 47 92 73 128 101 5 6 156 163 270 399
Total debt 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0
Net debt (negative = net cash) −12 −54 −23 −28 −38 −41 −63 −47 −92 −73 −128 −101 −5 −6 −156 −163 −270 −399
Diluted shares 3,728m 4m 4m 4m 4m 5m 7m 7m 7m 8m 8m 8m 8m 8m 8m 8m 8m 9m

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

Diluted share count
+9.5%
year over year

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated SFST CZNC UNTY FMAO RBB RRBI Median
Revenue, last 12 months $139m $143m $135m $134m $133m $132m $255m
Revenue growth, last 12 months 24.7% 27.7% 13.1% 15.8% 7.7% 12.6% 12.5%
Revenue growth, 3-year average 14.8% 9.6% 9.7% 10.1% −4.8% 5.9% 6.0%
Revenue growth, latest quarter 20.6% 34.6% −1.8% 11.4% −7.6% 10.4% 10.7%
Net margin 31.0% 17.8% 43.3% 31.9% 31.5% 34.9% 28.7%
Cash from operations / revenue 34.6% 32.3% 20.4% 34.9% 41.9% 42.7% 34.3%
Free-cash-flow margin 32.6% 31.4% 20.0% 33.9% 41.9% 38.8% 31.4%
Free-cash-flow margin, 3-year average 32.4% 27.4% 30.4% 30.7% 42.2% 33.9% 29.9%
Stock pay / revenue 1.8% 0.9% 1.6% 1.0% 1.2% 0.4% 1.2%
Change in share count 9.5% 12.0% 0.0% 0.4% −3.5% −2.8% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth 24.7% 12.5% 55 of 245
Change in growth rate Growth -2.7pp +0.0pp 187 of 244
Net margin Profitability 31.0% 28.7% 88 of 245
Stock pay as % of revenue Cash generation 1.8% 1.3% 158 of 206
Change in share count Balance sheet 9.5% 0.4% 194 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Who owns it

Funds buying and selling
Reported value
$523M
Institutions reporting
164
Shares held vs prior quarter
▲ 25.3%
Positions opened / closed
36 / 18

Top buyers and sellers, Q2 2026: 113 institutions bought and 41 sold ; the biggest buyer was State Street Corp (+206K shares) and the biggest seller Rhino Investment Partners, Inc (−210K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Fj Capital Management LLC $54.5M 892K 10.4% ▲ 10.5%
T. Rowe Price Investment Management, Inc. $51.6M 845K 9.9% ▲ 3.3%
Blackrock, Inc. $50.7M 830K 9.7% ▲ 16.6%
Endeavour Capital Advisors Inc $40.5M 663K 7.7% ▲ 9.1%
Vanguard Capital Management LLC $24M 393K 4.6% ▲ 13.9%
Dimensional Fund Advisors LP $23.7M 388K 4.5% ▲ 2.0%
State Street Corp $22.8M 374K 4.4% ▲ 122.4%
Ameriprise Financial Inc $15.1M 248K 2.9% ▼ 8.7%
Geode Capital Management, LLC $14.5M 237K 2.8% ▲ 31.5%
Renaissance Technologies LLC $11.4M 186K 2.2% ▲ 23.7%
Walleye Capital LLC $11M 180K 2.1% New
Banc Funds Co LLC $9.9M 163K 1.9% ▼ 5.2%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Southern First Bancshares Inc's complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $48,622 3 trades by 3 insiders, last 12 months Insider sales History → $3.2M 23 trades by 7 insiders · 0% under pre-set plans
Net ▼ $3.1M net selling
Insider Date Trade Shares Price Value
Orders James B Iii Director September 18, 2026 Sell 8,045 $62.05 $499,171
Locke Anna T Director September 14, 2026 Buy 300 $63.27 $18,982
Cubbage Leighton M Director September 3, 2026 Sell 500 $62.79 $31,395
Cubbage Leighton M Director September 2, 2026 Sell 500 $62.00 $31,000
Cubbage Leighton M Director September 2, 2026 Sell 400 $62.40 $24,960
Cubbage Leighton M Director September 2, 2026 Sell 300 $62.50 $18,750
Cubbage Leighton M Director September 1, 2026 Sell 465 $60.75 $28,249
Cubbage Leighton M Director August 28, 2026 Sell 400 $63.00 $25,200
Cubbage Leighton M Director August 25, 2026 Sell 350 $63.05 $22,068
Cubbage Leighton M Director August 24, 2026 Sell 400 $63.00 $25,200
Cubbage Leighton M Director August 20, 2026 Sell 800 $63.02 $50,415
Seaver R Arthur Jr Chief Executive Officer August 12, 2026 Sell 4,500 $63.75 $286,875

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 1 trade and filings

No trades in Southern First Bancshares Inc disclosed in the last 12 months; 1 earlier trade on record.

  • William R. Timmons IV(R-SC 4):Sale (full), $1,001 - $15,000, traded June 29, 2020, filed August 7, 2020

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 18, 2027 estimated from the company's past filing pattern, not announced

  • October 20, 2026
  • July 21, 2026
  • April 21, 2026
  • April 15, 2026
  • January 22, 2026
  • October 28, 2025

Recent SEC filings

Data status

When each part of this page on Southern First Bancshares Inc was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Southern First Bancshares Inc in brief

What does Southern First Bancshares Inc do?
Southern First Bancshares Inc is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Southern First Bancshares Inc's stock ticker?
Southern First Bancshares Inc trades under the ticker SFST on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Southern First Bancshares Inc's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Southern First Bancshares Inc reported revenue of $139M, 24.7% higher than a year earlier, according to its SEC filings.
What is Southern First Bancshares Inc's free cash flow?
Southern First Bancshares Inc's free-cash-flow margin is 32.6% of revenue over the trailing twelve months.
Who are Southern First Bancshares Inc's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Fj Capital Management LLC, T. Rowe Price Investment Management, Inc. and Blackrock, Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Southern First Bancshares Inc's market cap?
On November 2, 2026, Southern First Bancshares Inc's market capitalisation was about $541M, with a price-to-earnings ratio of 12.5 and net debt of -$399M. Market figures come from third-party market data and may be delayed.
Who are Southern First Bancshares Inc's competitors?
In our Regional Banks peer group, the companies closest to Southern First Bancshares Inc are Citizens & Northern Corp, Unity Bancorp Inc, Farmers & Merchants Bancorp Inc, RBB Bancorp and RED River Bancshares Inc. The side-by-side comparison below sets their revenue, margins and growth against Southern First Bancshares Inc's.
Are insiders buying or selling Southern First Bancshares Inc stock?
Over the last 12 months, Southern First Bancshares Inc's directors and officers reported 3 open-market purchases and 23 sales on Form 4. The insider trading page charts every trade.
When is Southern First Bancshares Inc's next earnings date?
Around January 21, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Southern First Bancshares Inc announces its own schedule.