NASDAQ: SFSTSouthern First Bancshares Inc Stock
$61.00-0.23 (-0.38%)
Updated Jun 29, 2026
SFST Price
$61.00
Fair Value Price
$67.47
Market Cap
$576.77M
52 Week Low
$38.30
52 Week High
$62.38
P/E
14.19x
P/B
1.52x
P/S
3.65x
PEG
0.8x
Dividend Yield
N/A
Revenue
$121.89M
Earnings
$34.99M
Gross Margin
100%
Operating Margin
37.06%
Profit Margin
28.7%
Debt to Equity
11.07
Operating Cash Flow
$34M
Beta
0.78
Next Earnings
Jul 28, 2026
Ex-Dividend
N/A
Next Dividend
N/A
SFST Overview
Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credit. Complementary services include online and mobile banking, cash management, safe deposit boxes, direct deposit, automated drafts, and bill payment. The company operates eight retail branches in South Carolina (Greenville, Charleston, and Columbia), three in North Carolina (Raleigh, Greensboro, and Charlotte areas), and one in Atlanta, Georgia. Founded in 1999, Southern First Bancshares, Inc. is based 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
C
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#146 of 286
Ranked#146 of 286
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $92.50 | B | |
| $29.89 | B | |
| $56.30 | B |
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SFST News
Overview
Due Diligence Score
–
Industry Average (37)
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 ($61.00) is undervalued by 9.59% relative to our estimate of its Fair Value price of $67.47 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SFST ($61.00) is not significantly undervalued (9.59%) relative to our estimate of its Fair Value price of $67.47 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
SFST ($61.00) 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
$61.00
Fair Value
$67.47
Undervalued by
9.59%
SFST ($61.00) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SFST ($61.00) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SFST ($61.00) 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
14.19x
Industry
13.51x
Market
10.71x
SFST is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SFST is poor 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
1.52x
Industry
1.31x
SFST is poor 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 good value based... subscribe to Premium to read more.
PEG Value Valuation
SFST's financial health
Profit margin
Revenue
$32.5M
Net Income
$9.9M
Profit Margin
30.4%
SFST's Earnings (EBIT) of $45.18M... subscribe to Premium to read more.
Interest Coverage Financials
SFST's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.6B
Liabilities
$4.2B
Debt to equity
11.07
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
$10.8M
Investing
-$94.9M
Financing
$157.3M
SFST's operating cash flow ($33.65M)... 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.