Southern First Bancshares, Inc. (SFST) Stock Analysis

Company Overview

Southern First Bancshares, Inc. (SFST) carries a market capitalisation of $603.16M. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 315 employees.

The most recent close on file for SFST is $63.68, dated September 4, 2026. That is +$0.79 (+1.26%) against the previous close. The 52-week range on file runs from $40.90 to $65.09. The latest close sits 55.7% above that 52-week low.

Financial Health

In fiscal 2025, Southern First Bancshares, Inc. reported revenue of $118.09M. That is +26.48% against the prior fiscal year, when revenue was $93.36M. The same year closed with net income of $30.37M. That is +95.53% against the prior fiscal year. Profit margin runs at 30.74%. That is 1.6 percentage points above the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 4.72.

Across the 4 fiscal years on file, revenue moves from $107.60M in 2022 to $118.09M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 13.49. That is 6.89% above the Banks - Regional median of 12.62. The forward P/E on file is 10.31. The price-to-sales ratio is 4.68. On price-to-sales that is 24.17% above the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Beta against the wider market is reported at 0.67. Annualized volatility over the trailing 10 years is 37.91%. The trailing one-year price return is +40.42%. Measured over 10 years, that is +8.20% a year compounded.

Growth & Income

The record shows no dividend for SFST.

The strongest complete calendar year on file is 2021 at +76.78%; the weakest is 2022 at −26.79%. Of the 9 complete calendar years on file, 5 finished higher. 2026 is still running; the price is +23.60% year to date.