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Southern First Bancshares, Inc. SFST

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Price alert · SFST

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59.58 USD -1.29 -2.12%

At close · Oct 30

59.58 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
59.35 × 2
Ask
59.48 × 2
58.98 Day range 60.93
43.84 52-week range 64.60
YTD
+15.64%
1 year
+35.59%
Open
60.93
Prev close
60.87
Mkt cap
564.33M
Vol
75.22K
Avg vol
89.14K
EPS
4.85
P/E
12.28
Div yield
0.00%
More statistics
Low
58.98
High
60.93
Forward P/E
21.41
Beta
0.80
Short ratio
3.57
Inst. own
80.90%
Dividend
0.00
Ex-div date
Earnings
Jan 16, 2025
50-d avg
41.03
200-d avg
32.90
1y target
30.50

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Financial health

Altman Z-Score

-0.63 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 13.7×
FY 2016: 17.5×FY 2017: 22.2×FY 2018: 10.6×FY 2019: 11.5×FY 2020: 14.9×FY 2021: 10.5×FY 2022: 12.5×FY 2023: 22.2×FY 2024: 20.7×FY 2025: 13.7×
FY 2016 5y median 13.7× FY 2025
P/S 1.8×
FY 2016: 3.7×FY 2017: 4.1×FY 2018: 2.9×FY 2019: 3.1×FY 2020: 2.2×FY 2021: 4.4×FY 2022: 2.9×FY 2023: 1.6×FY 2024: 1.5×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
P/B 1.1×
FY 2016: 2.1×FY 2017: 1.9×FY 2018: 1.4×FY 2019: 1.6×FY 2020: 1.2×FY 2021: 1.8×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 13.9×
FY 2016: 19.5×FY 2017: 24.5×FY 2018: 8.0×FY 2019: 32.4×FY 2020: 20.5×FY 2021: 9.5×FY 2022: 10.0×FY 2023: 18.2×FY 2024: 13.0×FY 2025: 13.9×
FY 2016 5y median 13.0× FY 2025
EV/EBITDA 13.4×
FY 2016: 15.4×FY 2017: 13.0×FY 2018: 8.6×FY 2019: 11.4×FY 2020: 9.8×FY 2021: 7.1×FY 2022: 12.1×FY 2023: 25.8×FY 2024: 22.3×FY 2025: 13.4×
FY 2016 5y median 13.4× FY 2025
EV/Sales 2.6×
FY 2016: 5.4×FY 2017: 4.6×FY 2018: 3.2×FY 2019: 4.2×FY 2020: 2.1×FY 2021: 4.0×FY 2022: 4.0×FY 2023: 3.1×FY 2024: 2.6×FY 2025: 2.6×
FY 2016 5y median 3.1× FY 2025
FCF Yield 7.2%
FY 2016: 5.1%FY 2017: 4.1%FY 2018: 12.6%FY 2019: 3.1%FY 2020: 4.9%FY 2021: 10.5%FY 2022: 10.0%FY 2023: 5.5%FY 2024: 7.7%FY 2025: 7.2%
FY 2016 5y median 7.7% FY 2025

Profitability

Gross Margin 51.3%
FY 2016: 83.1%FY 2017: 82.5%FY 2018: 77.7%FY 2019: 73.0%FY 2020: 63.5%FY 2021: 106.3%FY 2022: 79.5%FY 2023: 46.0%FY 2024: 43.8%FY 2025: 51.3%
FY 2016 5y median 51.3% FY 2025
Operating Margin 17.6%
FY 2016: 32.8%FY 2017: 33.5%FY 2018: 34.7%FY 2019: 34.5%FY 2020: 19.5%FY 2021: 55.1%FY 2022: 29.9%FY 2023: 9.3%FY 2024: 9.3%FY 2025: 17.6%
FY 2016 5y median 17.6% FY 2025
Net Margin 13.5%
FY 2016: 21.0%FY 2017: 18.5%FY 2018: 26.9%FY 2019: 27.1%FY 2020: 15.0%FY 2021: 42.4%FY 2022: 22.8%FY 2023: 7.2%FY 2024: 7.3%FY 2025: 13.5%
FY 2016 5y median 13.5% FY 2025
ROE 8.2%
FY 2016: 11.9%FY 2017: 8.7%FY 2018: 12.8%FY 2019: 13.5%FY 2020: 8.0%FY 2021: 16.8%FY 2022: 9.9%FY 2023: 4.3%FY 2024: 4.7%FY 2025: 8.2%
FY 2016 5y median 8.2% FY 2025
ROIC 4.4%
FY 2016: 5.2%FY 2017: 5.4%FY 2018: 8.8%FY 2019: 7.1%FY 2020: 5.4%FY 2021: 12.9%FY 2022: 5.2%FY 2023: 2.0%FY 2024: 2.4%FY 2025: 4.4%
FY 2016 5y median 4.4% FY 2025
ROA 0.7%
FY 2016: 1.0%FY 2017: 0.8%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 0.7%FY 2021: 1.6%FY 2022: 0.8%FY 2023: 0.3%FY 2024: 0.4%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 5.3%
FY 2016: 13.9%FY 2017: 13.7%FY 2018: 17.2%FY 2019: 24.2%FY 2020: 19.0%FY 2021: -9.8%FY 2022: 15.8%FY 2023: 46.9%FY 2024: 13.8%FY 2025: 5.3%
FY 2016 FY 2025
Operating Income 98.9%
FY 2016: 31.1%FY 2017: 16.2%FY 2018: 21.3%FY 2019: 23.7%FY 2020: -32.9%FY 2021: 155.3%FY 2022: -37.3%FY 2023: -54.3%FY 2024: 14.3%FY 2025: 98.9%
FY 2016 FY 2025
EPS (diluted) 96.3%
FY 2016: 25.2%FY 2017: -9.3%FY 2018: 63.6%FY 2019: 24.3%FY 2020: -34.6%FY 2021: 150.0%FY 2022: -38.3%FY 2023: -54.0%FY 2024: 15.1%FY 2025: 96.3%
FY 2016 FY 2025
Free Cash Flow 20.6%
FY 2016: -24.6%FY 2017: 1.3%FY 2018: 151.9%FY 2019: -66.8%FY 2020: 35.1%FY 2021: 286.4%FY 2022: -29.5%FY 2023: -54.9%FY 2024: 51.0%FY 2025: 20.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.7×
FY 2016: 1.2×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.7×FY 2020: 0.3×FY 2021: 0.1×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 4.0×
FY 2016: 4.9×FY 2017: 1.5×FY 2018: 0.9×FY 2019: 2.9×FY 2020: -0.7×FY 2021: -0.7×FY 2022: 3.4×FY 2023: 12.3×FY 2024: 9.3×FY 2025: 4.0×
FY 2016 5y median 4.0× FY 2025
Interest Coverage 0.4×
FY 2016: 2.5×FY 2017: 2.3×FY 2018: 1.7×FY 2019: 1.4×FY 2020: 1.6×FY 2021: 11.2×FY 2022: 1.9×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31