Southern First Bancshares Inc.

SFST | NASDAQ

Price Alert Chart Builder DCF Calculator

$61.23

-$0.45 (-0.73%)

At close: Sep 21, 2026, 4:00 PM ET

$61.23

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $583.19M

Enterprise Value $802.24M

Beta 0.67

Average Volume 123.29K

Shares Outstanding (Diluted) 9.32M

Shares Change YoY 14.57%

Institutional Ownership 83.81%

Exchange NASDAQ

ISIN US8428731017

Price Performance

Price Change 1M -2.5%

Price Change 3M 2.5%

Price Change 6M 14.9%

Price Change YTD 18.4%

Price Change 1Y 37.0%

Price Change 3Y 131.4%

Price Change 5Y 18.7%

1M CAGR (ann.) -3.3%

1Y CAGR (ann.) 39.0%

5Y CAGR (ann.) 4.6%

All-Time CAGR 7.2%

Valuation

PE Ratio 13.08

Forward PE 11.67

PEG Ratio 0.17

Forward PEG 0.55

PS Ratio 2.74

Forward PS 3.40

PB Ratio 1.28

P/FCF Ratio 17.58

P/Adj. FCF Ratio 18.94

P/OCF Ratio 13.64

EV/Sales 3.79

EV/EBIT 15.72

EV/EBITDA 14.83

EV/FCF 24.36

Earnings Yield 7.6%

FCF Yield 5.7%

Adj. FCF Yield 5.3%

Financial Health

Net Debt $223.3M

Total Debt $253.4M

Cash & Short-Term Investments $30.1M

Total Assets $4.7B

Current Ratio 27.12

Quick Ratio 27.12

Debt / Equity Ratio 0.62

Debt / EBITDA 4.68

Debt / FCF 7.70

OCF / Debt 0.13

Interest Coverage 0.49

Altman Z-Score 0.25

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 60.9%

Operating Profit Margin 24.1%

EBITDA Margin 25.6%

Net Profit Margin 18.7%

FCF Margin 15.6%

Adj. FCF Margin 14.4%

SBC / Revenue 1.2%

SBC Impact (per share) -7.2%

Returns

Return on Assets 0.8%

Return on Equity 10.2%

Return on Invested Capital 0.8%

Return on Capital Employed 1.1%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.8%

Revenue CAGR 5Y 16.0%

Revenue CAGR 10Y 13.7%

EPS CAGR 3Y 25.6%

EPS CAGR 5Y 3.3%

EPS CAGR 10Y 10.2%

FCF CAGR 3Y -2.4%

FCF CAGR 5Y 4.8%

FCF CAGR 10Y 11.5%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 7

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $72.10

Graham Upside 17.8%

Lynch Fair Value $23.40

Lynch Upside -61.8%

Price Target $64

Price Target Upside 4.5%

Cash Flow

Operating Cash Flow $33.65M

Free Cash Flow $32.93M

Adj. Free Cash Flow $30.57M

FCF Per Share $4.27

OCF Per Share $4.49

OCF/S Ratio 19.5%

Income Statement

Revenue $211.64M

Gross Profit $128.82M

Operating Income $51.05M

EBITDA $54.11M

Net Income $39.6M

EPS (Diluted) $4.68

Revenue / Employee $671.89K

Profit / Employee $125.72K

Employees 315