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NASDAQ: SFST
Southern First Bancshares Inc Stock

$41.86-0.29 (-0.69%)
Updated Feb 3, 2023
SFST Price
$41.86
Fair Value Price
$50.48
Market Cap
$334.77M
52 Week Low
$39.71
52 Week High
$61.84
P/E
9.3x
P/B
1.16x
P/S
3.08x
PEG
0.77x
Dividend Yield
N/A
Revenue
$107.94M
Earnings
$35.63M
Gross Margin
100%
Operating Margin
43.25%
Profit Margin
33%
Debt to Equity
10.95
Operating Cash Flow
$65M
Beta
0.99
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 (35)
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Due Diligence Checks

SFST ($41.86) is undervalued by 17.08% relative to our estimate of its Fair Value price of $50.48 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SFST ($41.86) is not significantly undervalued (17.08%) relative to our estimate of its Fair Value price of $50.48 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
SFST ($41.86) is trading below... 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
$41.86
Fair Value
$50.48
Undervalued by
17.08%
SFST ($41.86) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SFST ($41.86) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SFST ($41.86) is trading below... 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
9.3x
Industry
19.64x
Market
15.09x
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
1.16x
Industry
1.2x
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 good value based... subscribe to Premium to read more.
PEG Value Valuation

SFST's financial health

Profit margin

Revenue
$27.2M
Net Income
$8.4M
Profit Margin
30.9%
SFST's Earnings (EBIT) of $46.68M... 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
$3.4B
Liabilities
$3.2B
Debt to equity
10.95
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
$22.5M
Investing
-$185.3M
Financing
$141.4M
SFST's operating cash flow ($65.10M)... subscribe to Premium to read more.
Debt Coverage Financials

SFST vs Bank Stocks

TickerMarket Cap1d %P/EP/B
SFST$334.77M-0.69%9.30x1.16x
BLFY$333.47M+0.76%N/A0.84x
HBCP$331.43M+1.37%9.76x1.05x
FNLC$338.11M+1.02%8.53x1.54x
ACNB$338.97M-0.43%11.48x1.46x

Southern First Bancshares Stock FAQ

What is Southern First Bancshares's quote symbol?

NASDAQ: SFST) Southern First Bancshares trades on the NASDAQ under the ticker symbol SFST. Southern First Bancshares stock quotes can also be displayed as NASDAQ: SFST.

If you're new to stock investing, here's how to buy Southern First Bancshares stock.

What is the 52 week high and low for Southern First Bancshares (NASDAQ: SFST)?

(NASDAQ: SFST) Southern First Bancshares's 52-week high was $61.84, and its 52-week low was $39.71. It is currently -32.31% from its 52-week high and 5.41% from its 52-week low.

How much is Southern First Bancshares stock worth today?

(NASDAQ: SFST) Southern First Bancshares currently has 7,997,344 outstanding shares. With Southern First Bancshares stock trading at $41.86 per share, the total value of Southern First Bancshares stock (market capitalization) is $334.77M.

Southern First Bancshares stock was originally listed at a price of $4.78 in Oct 28, 1999. If you had invested in Southern First Bancshares stock at $4.78, your return over the last 23 years would have been 775.55%, for an annualized return of 9.89% (not including any dividends or dividend reinvestments).

How much is Southern First Bancshares's stock price per share?

(NASDAQ: SFST) Southern First Bancshares stock price per share is $41.86 today (as of Feb 3, 2023).

What is Southern First Bancshares's Market Cap?

(NASDAQ: SFST) Southern First Bancshares's market cap is $334.77M, as of Feb 6, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Southern First Bancshares's market cap is calculated by multiplying SFST's current stock price of $41.86 by SFST's total outstanding shares of 7,997,344.
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