NASDAQ: SFSTSouthern First Bancshares Inc Stock
$27.29-0.73 (-2.61%)
Updated Apr 25, 2024
SFST Price
$27.29
Fair Value Price
-$16.74
Market Cap
$222.54M
52 Week Low
$20.75
52 Week High
$39.36
P/E
16.34x
P/B
0.71x
P/S
3.46x
PEG
N/A
Dividend Yield
N/A
Revenue
$86.25M
Earnings
$13.43M
Gross Margin
100%
Operating Margin
20.2%
Profit Margin
15.6%
Debt to Equity
11.98
Operating Cash Flow
$18M
Beta
1.05
Next Earnings
N/A
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 Score
–
Industry Average (33)
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Due Diligence Checks
SFST ($27.29) is overvalued by 263% relative to our estimate of its Fair Value price of -$16.74 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
SFST ($27.29) is not significantly undervalued (263%) relative to our estimate of its Fair Value price of -$16.74 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
SFST was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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SFST News
Valuation
SFST fair value
Fair Value of SFST stock based on Discounted Cash Flow (DCF)
Price
$27.29
Fair Value
-$16.74
Undervalued by
263.03%
SFST ($27.29) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SFST ($27.29) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SFST was unprofitable, so we... 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
16.34x
Industry
-10.31x
Market
40.97x
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
0.71x
Industry
0.99x
SFST is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SFST's financial health
Profit margin
Revenue
$22.4M
Net Income
$4.2M
Profit Margin
18.6%
SFST's Earnings (EBIT) of $17.43M... 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
$4.1B
Liabilities
$3.7B
Debt to equity
11.98
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
$6.9M
Investing
-$34.9M
Financing
$31.8M
SFST's operating cash flow ($17.65M)... 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.