SOUTHERN FIRST BANCSHARES INC

SFST

SOUTHERN FIRST BANCSHARES INC

SFST

Insider Sentiment (TTM):

Last Purchase:2026-03-06Last Sale:2026-06-10Shares Purchased (TTM):925Shares Sold (TTM):15,961

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:5,833,858Shares Outstanding:8,163,412Institutional Ownership Pct.:71.46%

Earnings Market Reaction:

Filing Date:2026-08-03Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents…
Cash And Due From Banks	30	33	28	25	25	25	23	25	22	14	28	17
Federal Funds Sold	259	228	183	179	181	264	128	226	164	145	119	128
Interest Bearing Deposits In Banks	72	82	58	80	65	17	12	9	9	9	9	7
Cash Cash Equivalents And Federal Funds Sold	362	343	270	283	271	305	163	261	195	167	156	152
Marketable Securities
Available For Sale Securities Debt Securities	144	124	128	131	129	131	132	135	121	126	135	144
Other Investments	20	20	20	20	20	20	19	20	19	18	20	20
Investments	165	145	148	151	149	151	152	154	140	144	155	164
Loans Receivable Held For Sale Amount	9	14	12	7	11	12	5	9	15	12	7	7
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	3,620	3,623	3,644	3,603	3,554
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-40	-40	-40	-41	-41
Notes Receivable Gross	4,030	3,942	3,845	3,789	3,747	3,684	3,632	-	-	-	3,603	-
Financing Receivable Allowance For Credit Losses	-	-43	-42	-42	-41	-41	-40	-	-	-	-41	-
Notes Receivable Net	3,986	3,899	3,803	3,747	3,706	3,643	3,592	3,579	3,582	3,603	3,562	3,513
Bank Owned Life Insurance	57	56	56	55	55	54	54	54	53	53	53	52
Property Plant And Equipment Net	88	89	83	85	86	87	89	90	92	93	94	96
Deferred Income Tax Assets Net	14	14	14	13	13	13	13	12	12	12	12	13
Other Assets	20	20	19	18	18	18	20	16	21	21	17	23
Assets	4,700	4,578	4,403	4,359	4,308	4,284	4,088	4,175	4,110	4,106	4,056	4,020
Liabilities
Deposits	3,935	3,873	3,717	3,676	3,636	3,621	3,436	3,519	3,460	3,461	3,380	3,348
Accrued Liabilities And Other Liabilities	-	-	-	-	-	-	-	-	-	-	-	275
Junior Subordinated Notes	13	25	25	25	25	25	25	25	36	36	36	36
Other Liabilities	59	61	53	61	61	61	56	64	55	53	52	57
Liabilities	4,248	4,199	4,035	4,002	3,963	3,947	3,757	3,848	3,791	3,790	3,743	3,716
Stockholders Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	189	127	126	125	125	125	125	124	124	124	122	122
Accumulated Other Comprehensive Income Loss Net Of…	-8	-8	-7	-8	-10	-10	-11	-9	-12	-12	-11	-15
Retained Earnings Accumulated Deficit	273	261	251	242	233	226	221	215	211	208	206	201
Stockholders Equity	452	379	369	356	345	338	330	327	319	315	312	304
Liabilities And Stockholders Equity	4,700	4,578	4,403	4,359	4,308	4,284	4,088	4,175	4,110	4,106	4,056	4,020
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	20	20	20	20	20	20	20	20	20	10	10	10
Common Stock Shares Issued	9	8	8	8	8	8	8	8	8	8	8	8
Shares Outstanding	9	8	8	8	8	8	8	8	8	8	8	8

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.90%	2.15%	9.49%	-	-	-	-	-	-	-	-	-
2025	-0.82%	4.56%	22.00%	10.99%	11.58%	1.63%	13.53%	22.03%	27.05%	-12.63%	-2.81%	-7.50%
2024	7.63%	2.63%	36.33%	-6.91%	-3.38%	5.40%	15.54%	6.72%	-2.91%	-1.25%	-0.74%	6.58%
2023	-	-	-	-	-	-	9.07%	30.74%	35.19%	-2.55%	-16.60%	-14.73%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	1.49	1.43	1.37	1.31	1.25	1.20	1.17	1.15	1.15	1.15	1.17	1.24
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	242,202.93	253,045.12	281,512.07	310,918.77	347,560.82
Receivables Turnover TTM	-	-	-	-	-	-	-	0.00	0.00	0.00	0.00	0.00
Per Share Metrics
Diluted EPS TTM	4.25	4.22	3.72	3.23	2.69	2.25	1.91	1.74	1.69	1.63	1.66	1.83
Free Cash Flow Per Share TTM	4.27	4.03	3.69	3.76	5.17	4.38	3.07	4.16	2.85	1.50	2.04	2.77
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	-654.46%	-616.14%	-613.24%	-699.13%	-711.87%	-994.86%	-1,377.25%	-1,779.74%	-2,202.73%	-2,341.15%	-2,376.31%	-2,236.59%
Operating Profit Margin TTM	836.12%	711.35%	630.45%	600.50%	514.53%	402.73%	358.13%	339.61%	347.06%	377.28%	431.79%	554.76%
Net Profit Margin TTM	648.67%	550.89%	483.38%	465.30%	399.85%	313.99%	279.32%	260.31%	266.96%	289.32%	332.66%	426.70%
Growth Metrics
Net Revenue Growth (1Y)	11.69%	9.12%	12.99%	3.92%	5.85%	27.13%	37.76%	56.35%	48.43%	37.64%	-3.86%	-40.79%
Net Income Growth (1Y)	81.19%	91.46%	95.53%	85.76%	58.54%	37.97%	15.67%	-4.62%	-27.69%	-44.46%	-53.89%	-58.60%
EPS Growth (1Y)	60.16%	89.46%	95.27%	86.53%	58.67%	38.51%	15.18%	-4.75%	-28.36%	-45.04%	-54.39%	-59.01%
Valuation Metrics
P/E TTM	14.17	12.72	13.73	13.56	14.13	14.55	20.68	19.53	17.23	19.45	22.24	14.71
P/B TTM	1.24	1.17	1.13	0.99	0.89	0.79	0.97	0.84	0.75	0.82	0.96	0.71
P/S TTM	91.92	70.05	66.36	63.08	56.49	45.69	57.77	50.85	46.01	56.27	73.97	62.76
Market Cap	561.19M	444.91M	416.86M	354.33M	308.76M	265.94M	321.20M	274.83M	237.60M	257.58M	298.53M	216.95M
Enterprise Value	212.95M	127.03M	172.18M	96.33M	62.63M	-14.21M	183.24M	39.16M	79.15M	126.62M	178.68M	100.85M
Calculated Values
Free Cash Flow TTM	39.26M	32.93M	29.88M	30.21M	41.95M	35.42M	24.77M	33.54M	23.19M	12.15M	16.41M	22.32M
Net Debt	-348.23M	-317.87M	-244.68M	-258.00M	-246.13M	-280.15M	-137.96M	-235.67M	-158.45M	-130.96M	-119.85M	-116.10M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-10Sale

Owner: Cubbage, Leighton M

Title: -

Shares: 765

Price/Share: $60.60

Value: $46,359.00

Shares Owned: 50,715

Relationship: Director

Ownership: Direct

2026-03-06Purchase

Owner: Maner, William Iv

Title: -

Shares: 400

Price/Share: $52.35

Value: $20,940.00

Shares Owned: 3,585

Relationship: Director

Ownership: Direct

2026-02-26Sale

Owner: King, Silvia T

Title: Chief Human Resources Officer

Shares: 2,625

Price/Share: $60.49

Value: $158,786.25

Shares Owned: 3,963

Relationship: Officer

Ownership: Direct

2025-12-15Sale

Owner: Seaver, R Arthur Jr

Title: Chief Executive Officer

Shares: 10,000

Price/Share: $55.14

Value: $551,400.00

Shares Owned: 107,654

Relationship: Director,Officer

Ownership: Direct

2025-12-10Sale

Owner: Ellison, David G

Title: -

Shares: 1,000

Price/Share: $53.29

Value: $53,290.00

Shares Owned: 49,661

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-10	Cubbage, Leighton M	Director	-	Direct	Sale	765	60.60	$46,359.00	50,715	4
2026-03-06	Maner, William Iv	Director	-	Direct	Purchase	400	52.35	$20,940.00	3,585	4
2026-02-26	King, Silvia T	Officer	Chief Human Resources Officer	Direct	Sale	2,625	60.49	$158,786.25	3,963	4
2025-12-15	Seaver, R Arthur Jr	Director,Officer	Chief Executive Officer	Direct	Sale	10,000	55.14	$551,400.00	107,654	4
2025-12-10	Ellison, David G	Director	-	Direct	Sale	1,000	53.29	$53,290.00	49,661	4
2025-11-21	Fairchild, Julie Ann	Officer	Chief Accounting Officer	Direct	Sale	1,258	50.00	$62,900.00	4,460	4
2025-11-03	Ellison, David G	Director	-	Direct	Purchase	200	43.50	$8,700.00	50,661	4
2025-10-31	Locke, Anna T	Director	-	Direct	Purchase	225	44.05	$9,911.25	3,292	4
2025-10-31	Ellison, David G	Director	-	Direct	Purchase	100	44.00	$4,400.00	50,461	4
2025-09-23	Lattimore, Ray	Director	-	Direct	Sale	278	44.61	$12,401.58	1,070	5
2025-08-27	Cubbage, Leighton M	Director	-	Direct	Sale	35	45.12	$1,579.20	51,170	4
2025-06-23	Cubbage, Leighton M	Director	-	Direct	Sale	1,083	35.72	$38,684.76	51,205	4
2025-06-04	Lattimore, Ray	Director	-	Direct	Purchase	320	35.82	$11,462.40	1,926	5
2025-06-04	Ellefson, Anne S	Director	-	Direct	Sale	500	35.01	$17,505.00	6,697	4
2025-05-27	Seaver, R Arthur Jr	Director,Officer	Chief Executive Officer	Direct	Sale	10,000	36.28	$362,800.00	97,654	5
2025-05-14	Maner, William Iv	Director	-	Direct	Purchase	700	36.15	$25,305.00	2,700	4
2025-02-10	Locke, Anna T	Director	-	Direct	Purchase	360	37.01	$13,323.60	2,582	4
2024-12-18	Grayson-Caprio, Terry	Director	-	Indirect	Purchase	160	42.47	$6,795.20	3,400	4
2024-11-25	Fairchild, Julie Ann	Officer	Chief Accounting Officer	Direct	Sale	1,000	45.23	$45,230.00	5,840	4
2024-09-17	Cubbage, Leighton M	Director	-	Direct	Sale	2,500	34.02	$85,050.00	51,803	4
2024-09-16	Cubbage, Leighton M	Director	-	Direct	Sale	2,515	33.44	$84,101.60	54,303	4
2024-09-13	Cubbage, Leighton M	Director	-	Direct	Sale	2,000	32.03	$64,060.00	56,818	4
2024-09-09	Cubbage, Leighton M	Director	-	Direct	Sale	1,290	31.02	$40,015.80	60,562	4
2024-05-21	Cubbage, Leighton M	Director	-	Direct	Sale	812	29.11	$23,637.32	61,852	4
2024-05-15	Cubbage, Leighton M	Director	-	Direct	Sale	1,771	27.34	$48,419.14	62,664	4
2024-05-10	Cubbage, Leighton M	Director	-	Direct	Sale	1,717	27.63	$47,440.71	64,435	4
2024-04-24	Ellefson, Anne S	Director	-	Direct	Sale	600	28.00	$16,800.00	6,712	4
2024-03-21	Seaver, R Arthur Jr	Director,Officer	CEO	Direct	Sale	996	31.25	$31,125.00	83,470	4
2024-03-15	Seaver, R Arthur Jr	Director,Officer	CEO	Direct	Sale	2,220	31.02	$68,864.40	88,750	4
2024-03-13	Locke, Anna T	Director	-	Direct	Purchase	90	32.40	$2,916.00	2,222	4
2023-12-20	Ellison, David G	Director	-	Direct	Purchase	200	34.50	$6,900.00	49,876	4
2023-11-22	Ellison, David G	Director	-	Direct	Purchase	200	29.25	$5,850.00	49,676	4
2023-10-31	Ellison, David G	Director	-	Direct	Purchase	200	27.00	$5,400.00	49,476	4
2023-10-26	Ellison, David G	Director	-	Direct	Purchase	200	27.21	$5,442.00	49,276	4
2023-10-25	Ellison, David G	Director	-	Direct	Purchase	250	25.49	$6,372.50	49,076	4
2023-09-19	Ellison, David G	Director	-	Direct	Purchase	150	26.96	$4,044.00	48,826	4
2023-08-09	Ellison, David G	Director	-	Direct	Purchase	150	29.35	$4,402.50	48,676	4
2023-08-02	Ellison, David G	Director	-	Direct	Purchase	100	29.42	$2,942.00	48,526	4
2023-08-01	Locke, Anna T	Director	-	Direct	Purchase	1,300	30.40	$39,520.00	2,132	4
2023-07-28	Borrmann, David Andrew	Officer	Chief Financial Officer	Direct	Purchase	1,900	29.50	$56,050.00	11,500	4
2023-06-23	Ellison, David G	Director	-	Direct	Purchase	100	25.00	$2,500.00	48,426	4
2023-06-20	Ellison, David G	Director	-	Direct	Purchase	100	25.83	$2,583.00	47,726	4
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Institutional Ownership

No data available for chart

2026-03-31

71.46%

Inst. Shares: 5,833,858

Shares Outstanding: 8,163,412

2025-12-31

71.57%

Inst. Shares: 5,791,353

Shares Outstanding: 8,091,322

2025-09-30

70.38%

Inst. Shares: 5,651,858

Shares Outstanding: 8,030,944

2025-06-30

66.76%

Inst. Shares: 5,420,541

Shares Outstanding: 8,118,895

2025-03-31

68.34%

Inst. Shares: 5,520,465

Shares Outstanding: 8,078,355

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	5,833,858	8,163,412	71.46%
2025-12-31	5,791,353	8,091,322	71.57%
2025-09-30	5,651,858	8,030,944	70.38%
2025-06-30	5,420,541	8,118,895	66.76%
2025-03-31	5,520,465	8,078,355	68.34%
2024-12-31	5,541,263	8,080,623	68.57%
2024-09-30	5,465,910	8,064,283	67.78%
2024-06-30	5,418,518	8,125,869	66.68%
2024-03-31	4,956,634	8,110,249	61.12%
2023-12-31	4,896,910	8,046,633	60.86%
2023-09-30	4,835,912	8,052,926	60.05%
2023-06-30	4,966,053	8,051,131	61.68%
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SOUTHERN FIRST BANCSHARES INC (SFST) — SEC Financial Statements & Analysis

SOUTHERN FIRST BANCSHARES INC (SFST) is a national commercial banks company, incorporated in SC. SOUTHERN FIRST BANCSHARES INC trades on Nasdaq as: SFST. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), SOUTHERN FIRST BANCSHARES INC reported a 11.69% year-over-year revenue growth, a Gross Profit Margin of -654.46% (TTM), a Price-to-Sales (P/S) ratio of 91.92x (TTM), a Price-to-Book (P/B) ratio of 1.24x (TTM), at a market cap of $561.19M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 11.69%
Gross Profit Margin TTM: -654.46%
P/S TTM: 91.92x
P/B TTM: 1.24x
Market Cap: $561.19M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is SOUTHERN FIRST BANCSHARES INC in?

SOUTHERN FIRST BANCSHARES INC (SFST) operates in the National Commercial Banks industry.

What is SFST's market cap?

SOUTHERN FIRST BANCSHARES INC (SFST) has a market capitalization of $561.19M as of 2026-06-30.

What is SFST's P/E ratio?

SOUTHERN FIRST BANCSHARES INC (SFST)'s trailing twelve month P/E ratio is 14.17x as of 2026-06-30.

What exchange does SFST trade on?

SOUTHERN FIRST BANCSHARES INC (SFST) trades on the Nasdaq.

Where is SOUTHERN FIRST BANCSHARES INC incorporated?

SOUTHERN FIRST BANCSHARES INC is incorporated in SC.