NASDAQ: SFSTSouthern First Bancshares Inc Stock
$35.68-0.49 (-1.35%)
Updated Feb 14, 2025
SFST Price
$35.68
Fair Value Price
-$13.12
Market Cap
$291.14M
52 Week Low
$24.98
52 Week High
$45.91
P/E
20.51x
P/B
0.89x
P/S
3.05x
PEG
4x
Dividend Yield
N/A
Revenue
$90.17M
Earnings
$14.07M
Gross Margin
100%
Operating Margin
20.36%
Profit Margin
15.6%
Debt to Equity
11.79
Operating Cash Flow
$34M
Beta
1.08
Next Earnings
Apr 16, 2025
Ex-Dividend
N/A
Next Dividend
N/A
SFST Overview
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine SFST's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
SFST
Ranked#156 of 338
Ranked#156 of 338
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $33.29 | B | |
| $17.00 | B | |
| $24.82 | B |
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SFST News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how SFST scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
SFST ($35.68) is overvalued by 371.96% relative to our estimate of its Fair Value price of -$13.12 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
SFST ($35.68) is not significantly undervalued (371.96%) relative to our estimate of its Fair Value price of -$13.12 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
SFST ($35.68) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more SFST due diligence checks available for Premium users.
Valuation
SFST fair value
Fair Value of SFST stock based on Discounted Cash Flow (DCF)
Price
$35.68
Fair Value
-$13.12
Undervalued by
371.96%
SFST ($35.68) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SFST ($35.68) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SFST ($35.68) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
SFST price to earnings (PE)
For valuing profitable companies with steady earnings
Company
20.51x
Industry
33.03x
Market
37.92x
SFST is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SFST is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
SFST price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.89x
Industry
1.16x
SFST is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SFST price to earnings growth (PEG)
For valuing profitable companies with growth potential
SFST is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
SFST's financial health
Profit margin
Revenue
$23.8M
Net Income
$4.4M
Profit Margin
18.4%
SFST's Earnings (EBIT) of $18.36M... subscribe to Premium to read more.
Interest Coverage Financials
SFST's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.2B
Liabilities
$3.8B
Debt to equity
11.79
SFST's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
SFST's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$26.3M
Investing
-$8.1M
Financing
$47.5M
SFST's operating cash flow ($34.23M)... subscribe to Premium to read more.
Debt Coverage Financials
SFST vs Bank Stocks
Southern First Bancshares Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.