What is Southern First Bancshares, Inc.'s earnings per share (EPS)?

Southern First Bancshares, Inc. (SFST) reported diluted earnings per share of $3.72 for fiscal year 2025. This represents a 94.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Southern First Bancshares, Inc. (SFST) Financials

SFST

Trailing 12 months to June 30, 2026

Revenue $132.6M +27.4% YoY

Net Income $39.6M +81.2% YoY

EPS (Diluted) $4.64 +72.5% YoY

Free Cash Flow $39.3M -6.4% YoY

Market Cap $560.1M as of Oct 20, 2026

Price / Sales 4.2x on $132.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.1x on $39.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $452.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 20, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 3, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SFST SEC filings page.

Southern First Bancshares, Inc. (SFST) reported $132.6M in revenue over the twelve months to Jun 30, 2026, up 27.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SFST FY2025 2026-10-04

FY2025 restored earnings faster than assets grew, but the bank still relies heavily on liabilities and produces modest returns on assets.

Net income nearly doubled between FY2024 and FY2025 while ROA rose from 0.4% to 0.7%; the rebound therefore reflects improved asset productivity, but not high-return economics on the bank's balance sheet.

At FY2025 year-end, liabilities were $4.0B against $368.7M of equity, consistent with a liability-funded model rather than an equity-funded one. Debt-to-equity eased to 10.9x from 11.4x in FY2024, a modest improvement in leverage even as assets expanded.

Operating cash flow of $30.5M nearly matched net income of $30.4M, so reported earnings were broadly reflected in cash generation. Free cash flow of $29.9M was close to operating cash flow, while capital expenditures were only $581K, pointing to a limited reinvestment burden in the reported year.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Southern First Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Southern First Bancshares, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.4% the prior year. Earnings ranks banks on that return over three years, and Southern First Bancshares, Inc. scores 28/100 among other banks.

Growth

Southern First Bancshares, Inc. reported revenue of $118.1M in fiscal year 2025, against $93.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Southern First Bancshares, Inc. scores 74/100 among other banks.

Capital

Southern First Bancshares, Inc. funded 8.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $368.7M of equity against $4.4B of assets. Capital ranks banks on that cushion, and Southern First Bancshares, Inc. scores 12/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Southern First Bancshares, Inc. scores 26/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Southern First Bancshares, Inc. scores 80/100 on it among other banks.

Stability

Southern First Bancshares, Inc. reported net income of $30.4M in fiscal year 2025, against $15.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Southern First Bancshares, Inc. scores 34/100 among other banks.

Piotroski F-Score Partial

5/6

Southern First Bancshares, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.00x

For every $1 of reported earnings, Southern First Bancshares, Inc. generates $1.00 in operating cash flow ($30.5M OCF vs $30.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$35.9M

YoY+25.3%

QoQ+6.2%

5Y CAGR+7.4%

10Y CAGR+10.1%

Southern First Bancshares, Inc. generated $35.9M in revenue in Q2 2026. This represents an increase of 25.3% from the same quarter a year earlier. Against the prior quarter it is up 6.2%.

Net Income

$11.2M

YoY+70.1%

QoQ+13.2%

5Y CAGR+1.6%

10Y CAGR+13.0%

Southern First Bancshares, Inc. reported $11.2M in net income in Q2 2026. This represents an increase of 70.1% from the same quarter a year earlier. Against the prior quarter it is up 13.2%.

EPS (Diluted)

$1.20

YoY+48.1%

QoQ+0.8%

5Y CAGR-1.4%

10Y CAGR+9.4%

Southern First Bancshares, Inc. earned $1.20 per diluted share (EPS) in Q2 2026. This represents an increase of 48.1% from the same quarter a year earlier. Against the prior quarter it is up 0.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$16.7M

YoY+60.9%

QoQ+59.4%

5Y CAGR+2.5%

10Y CAGR+14.2%

Southern First Bancshares, Inc. generated $16.7M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 60.9% from the same quarter a year earlier. Against the prior quarter it is up 59.4%.

Cash & Debt

$361.6M

YoY+33.4%

QoQ+5.5%

5Y CAGR+18.6%

10Y CAGR+17.6%

Southern First Bancshares, Inc. held $361.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

YoY+15.8%

QoQ+0.2%

5Y CAGR+3.7%

10Y CAGR+4.1%

Southern First Bancshares, Inc. had 9M shares outstanding in Q2 2026. This represents an increase of 15.8% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

31.2%

YoY+8.2pp

QoQ+2.0pp

5Y change-10.0pp

10Y change+7.0pp

Southern First Bancshares, Inc.'s net profit margin was 31.2% in Q2 2026, showing the share of revenue converted to profit. This is up 8.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.0 percentage points.

Return on Equity

2.5%

YoY+0.6pp

QoQ-0.1pp

5Y change-1.6pp

10Y change-0.8pp

Southern First Bancshares, Inc.'s ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$1.3M

YoY+1545.0%

QoQ+370.0%

5Y CAGR-31.1%

10Y CAGR-2.1%

Southern First Bancshares, Inc. invested $1.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 1545.0% from the same quarter a year earlier. Against the prior quarter it is up 370.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

SFST Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SFST quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$132.6M	$118.1M+26.5%	$93.4M+6.7%	$87.5M-18.4%	$107.2M+2.3%	$104.8M-2.2%	$107.2M+30.3%	$82.3M+16.9%	$70.4M+16.8%	$60.2M+11.8%	$53.8M+14.7%	$46.9M+20.9%	$38.8M+18.3%	$32.8M+10.3%	$29.8M+14.2%	$26.1M
SG&A Expenses	$46.1M	$44.8M+2.9%	$43.5M+8.1%	$40.3M+3.8%	$38.8M+7.4%	$36.1M+4.1%	$34.7M+45.6%	$23.8M+6.7%	$22.3M+2.5%	$21.8M+14.9%	$19.0M+11.3%	$17.0M+21.4%	$14.0M+14.2%	$12.3M+22.1%	$10.1M+12.8%	$8.9M
Interest Expense	$103.4M	$106.5M-11.2%	$120.0M+20.1%	$99.9M+398.7%	$20.0M+268.7%	$5.4M-63.8%	$15.0M-40.9%	$25.4M+53.8%	$16.5M+59.7%	$10.3M+26.1%	$8.2M+9.2%	$7.5M+8.6%	$6.9M-2.7%	$7.1M-18.4%	$8.7M-26.6%	$11.9M
Income Tax	$11.4M	$9.2M+110.8%	$4.4M+9.5%	$4.0M-55.5%	$9.0M-36.1%	$14.1M+156.6%	$5.5M-27.9%	$7.6M+19.1%	$6.4M-39.7%	$10.6M+44.8%	$7.3M+36.6%	$5.4M+72.5%	$3.1M+28.8%	$2.4M+31.8%	$1.8M+120.0%	$833K
Net Income	$39.6M	$30.4M+95.5%	$15.5M+15.7%	$13.4M-53.9%	$29.1M-37.7%	$46.7M+154.9%	$18.3M-34.2%	$27.9M+25.0%	$22.3M+70.9%	$13.0M+0.1%	$13.0M+28.2%	$10.2M+53.5%	$6.6M+29.4%	$5.1M+32.6%	$3.9M+85.0%	$2.1M
EPS (Basic)	N/A	$3.75+95.3%	$1.92+15.0%	$1.67-54.4%	$3.66-38.6%	$5.96+151.5%	$2.37-35.9%	$3.70+22.5%	$3.02+62.4%	$1.86-9.7%	$2.06+25.6%	$1.64+42.6%	$1.15+12.7%	$1.02+56.9%	$0.65+195.5%	$0.22
EPS (Diluted)	$4.64	$3.72+94.8%	$1.91+15.1%	$1.66-54.0%	$3.61-38.3%	$5.85+150.0%	$2.34-34.6%	$3.58+24.3%	$2.88+63.6%	$1.76-9.3%	$1.94+25.2%	$1.55+40.9%	$1.10+12.2%	$0.98+53.1%	$0.64	$0.22
Diluted Shares (Avg)	N/A	8M+0.5%	8M+0.5%	8M+0.1%	8M+1.0%	8M+2.1%	8M+0.7%	8M+0.5%	8M+4.7%	7M+10.0%	7M+2.4%	7M+26.2%	5M+16.6%	4M+2.7%	4M	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$35.9M+25.3%	$33.8M+27.6%	$31.8M+26.1%	$31.1M+31.0%	$28.6M+24.2%	$26.5M+24.3%	$25.2M+18.0%	$23.8M+7.6%
SG&A Expenses	$12.3M+5.0%	$12.0M+6.0%	$10.5M-0.8%	$11.3M+4.7%	$11.7M+3.4%	$11.3M+4.1%	$10.6M+12.9%	$10.8M+5.5%
Interest Expense	$25.8M-4.7%	$24.4M-7.3%	$25.8M-10.1%	$27.5M-10.2%	$27.0M-12.9%	$26.3M-11.6%	$28.7M-4.7%	$30.6M+8.8%
Income Tax	$3.3M+62.3%	$2.6M+57.9%	$2.9M+129.9%	$2.7M+98.6%	$2.0M+121.3%	$1.6M+90.8%	$1.3M+8.2%	$1.3M+12.6%
Net Income	$11.2M+70.1%	$9.9M+87.8%	$9.9M+75.2%	$8.7M+97.7%	$6.6M+119.4%	$5.3M+108.8%	$5.6M+35.0%	$4.4M+6.9%
EPS (Basic)	$1.22+50.6%	$1.21+86.2%	$1.20+71.4%	$1.08+100.0%	$0.81+118.9%	$0.65+109.7%	$0.70+34.6%	$0.54+5.9%
EPS (Diluted)	$1.20+48.1%	$1.19+83.1%	$1.18+71.0%	$1.07+98.1%	$0.81+118.9%	$0.65+109.7%	$0.69+35.3%	$0.54+5.9%
Diluted Shares (Avg)	9M+14.6%	8M+2.2%	N/A	8M-0.1%	8M-0.1%	8M-0.4%	N/A	8M+0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

SFST Balance Sheet

SFST quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$4.4B+7.7%	$4.1B+0.8%	$4.1B+9.9%	$3.7B+26.2%	$2.9B+17.8%	$2.5B+9.5%	$2.3B+19.3%	$1.9B+17.0%	$1.6B+21.2%	$1.3B+10.2%	$1.2B+18.2%	$1.0B+15.6%	$890.8M+11.6%	$798.0M+3.9%	$767.7M
Cash & Equivalents	$269.6M+65.5%	$162.9M+4.3%	$156.2M+2592.6%	$5.8M+11.5%	$5.2M-94.8%	$100.7M-21.2%	$127.8M+75.4%	$72.9M-20.9%	$92.2M+98.0%	$46.6M-26.0%	$62.9M+52.4%	$41.3M+5.3%	$39.2M+33.3%	$29.4M+27.9%	$23.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0-100.0%	$99K	$0	$0	$0
Total Liabilities	$4.0B+7.4%	$3.8B+0.4%	$3.7B+10.2%	$3.4B+28.3%	$2.6B+17.4%	$2.3B+9.4%	$2.1B+19.4%	$1.7B+17.1%	$1.5B+19.8%	$1.2B+9.6%	$1.1B+18.6%	$946.9M+14.7%	$825.2M+12.4%	$733.9M+4.1%	$705.2M
Total Equity	$368.7M+11.6%	$330.4M+5.8%	$312.5M+6.1%	$294.5M+6.0%	$277.9M+21.7%	$228.3M+10.9%	$205.9M+18.4%	$173.9M+16.2%	$149.7M+36.2%	$109.9M+16.6%	$94.2M+13.6%	$83.0M+26.4%	$65.7M+2.4%	$64.1M+2.5%	$62.5M
Retained Earnings	$251.4M+13.7%	$221.1M+7.6%	$205.5M+7.0%	$192.1M+15.9%	$165.8M+39.2%	$119.1M+18.2%	$100.7M+38.2%	$72.9M+44.1%	$50.6M+34.7%	$37.5M+53.2%	$24.5M+70.9%	$14.3M+64.4%	$8.7M+99.6%	$4.4M-18.1%	$5.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.7B+9.1%	$4.6B+6.9%	$4.4B+7.7%	$4.4B+4.4%	$4.3B+4.8%	$4.3B+4.4%	$4.1B+0.8%	$4.2B+3.8%
Cash & Equivalents	$361.6M+33.4%	$342.8M+12.4%	$269.6M+65.5%	$282.9M+8.6%	$271.0M+39.1%	$305.1M+82.3%	$162.9M+4.3%	$260.6M+71.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$4.2B+7.2%	$4.2B+6.4%	$4.0B+7.4%	$4.0B+4.0%	$4.0B+4.5%	$3.9B+4.1%	$3.8B+0.4%	$3.8B+3.6%
Total Equity	$452.3M+30.9%	$379.4M+12.4%	$368.7M+11.6%	$356.3M+9.1%	$345.5M+8.4%	$337.6M+7.1%	$330.4M+5.8%	$326.5M+7.4%
Retained Earnings	$272.5M+17.0%	$261.3M+15.5%	$251.4M+13.7%	$241.6M+12.1%	$232.9M+10.4%	$226.3M+8.8%	$221.1M+7.6%	$215.4M+7.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

SFST Cash Flow Statement

SFST quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$41.2M	$30.5M+19.2%	$25.6M+44.8%	$17.7M-64.9%	$50.3M-35.6%	$78.1M+278.6%	$20.6M+12.6%	$18.3M-42.2%	$31.7M+84.4%	$17.2M+0.6%	$17.1M-15.0%	$20.1M+324.7%	$4.7M-44.9%	$8.6M-27.7%	$11.9M+6.1%	$11.2M
Depreciation & Amortization	N/A	$4.3M-8.5%	$4.7M0.0%	$4.7M+27.0%	$3.7M+68.2%	$2.2M+4.8%	$2.1M+10.5%	$1.9M+5.6%	$1.8M+20.0%	$1.5M+15.4%	$1.3M0.0%	$1.3M+8.3%	$1.2M0.0%	$1.2M+22.6%	$979K+10.7%	$884K
Stock-Based Compensation	N/A	$2.3M-0.5%	$2.3M+17.5%	$1.9M-4.1%	$2.0M+23.0%	$1.6M+17.9%	$1.4M-17.7%	$1.7M+13.0%	$1.5M+19.4%	$1.3M-37.0%	$2.0M+163.2%	$759K+20.7%	$629K+22.1%	$515K+50.6%	$342K+23.9%	$276K
Capital Expenditures	$2.0M	$581K-26.0%	$785K-36.8%	$1.2M-91.1%	$13.9M-47.4%	$26.5M+264.3%	$7.3M-13.7%	$8.4M+333.9%	$1.9M-63.9%	$5.4M-0.9%	$5.4M+16.7%	$4.7M+109.0%	$2.2M-3.2%	$2.3M-3.0%	$2.4M0.0%	$2.4M
Free Cash Flow	$39.3M	$29.9M+20.6%	$24.8M+51.0%	$16.4M-54.9%	$36.4M-29.5%	$51.6M+286.4%	$13.3M+35.1%	$9.9M-66.8%	$29.8M+151.9%	$11.8M+1.3%	$11.7M-24.6%	$15.5M+516.0%	$2.5M-60.1%	$6.3M-33.8%	$9.5M+7.8%	$8.8M
Investing Cash Flow	-$301.8M	-$206.3M-614.9%	-$28.9M+92.4%	-$378.6M+52.2%	-$792.6M-93.0%	-$410.6M-77.9%	-$230.8M+16.3%	-$275.6M+8.7%	-$301.7M-26.2%	-$239.0M-70.8%	-$139.9M+20.5%	-$176.0M	N/A	N/A	N/A	N/A
Financing Cash Flow	$351.1M	$282.6M+2727.4%	$10.0M-97.1%	$346.2M-53.6%	$745.9M+86.9%	$399.1M+118.1%	$183.0M-41.4%	$312.2M+24.5%	$250.7M-6.3%	$267.4M+151.1%	$106.5M-40.0%	$177.5M	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$18.0M+72.3%	$10.8M+42.1%	-$2.1M-15.4%	$14.5M-45.0%	$10.5M+164.6%	$7.6M+359.3%	-$1.8M-126.3%	$26.3M+63.1%
Depreciation & Amortization	$956K-15.2%	$945K-19.2%	$981K-8.9%	$1.0M-15.2%	$1.1M-6.3%	$1.2M-3.7%	$1.1M-1.1%	$1.2M-0.7%
Stock-Based Compensation	N/A	$623K+16.0%	N/A	N/A	N/A	$537K-3.2%	N/A	N/A
Capital Expenditures	$1.3M+1545.0%	$280K+98.6%	$272K+24.8%	$88K-54.9%	$80K-13.0%	$141K-49.6%	$218K+78.7%	$195K-44.8%
Free Cash Flow	$16.7M+60.9%	$10.5M+41.0%	-$2.4M-16.4%	$14.4M-44.9%	$10.4M+168.8%	$7.4M+332.2%	-$2.0M-130.1%	$26.1M+65.5%
Investing Cash Flow	-$111.1M-84.6%	-$94.9M-88.3%	-$52.5M-305.5%	-$43.2M-436.0%	-$60.2M-347.1%	-$50.4M-56.4%	-$12.9M+62.9%	-$8.1M+89.8%
Financing Cash Flow	$112.0M+612.5%	$157.3M-15.0%	$41.3M+149.8%	$40.6M-14.5%	$15.7M+2035.2%	$185.0M+299.7%	-$83.0M-360.8%	$47.5M+371.7%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

SFST Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SFST quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	25.7%+9.1pp	16.6%+1.3pp	15.3%-11.8pp	27.2%-17.4pp	44.6%+27.5pp	17.1%-16.8pp	33.9%+2.2pp	31.7%+10.0pp	21.7%-2.6pp	24.2%+2.6pp	21.7%+4.6pp	17.1%+1.5pp	15.6%+2.6pp	13.0%+5.0pp	8.0%
Return on Equity	8.2%+3.5pp	4.7%+0.4pp	4.3%-5.6pp	9.9%-6.9pp	16.8%+8.8pp	8.0%-5.5pp	13.5%+0.7pp	12.8%+4.1pp	8.7%-3.1pp	11.9%+1.1pp	10.8%+2.8pp	8.0%+0.2pp	7.8%+1.8pp	6.0%+2.7pp	3.3%
Return on Assets	0.7%+0.3pp	0.4%+0.1pp	0.3%-0.5pp	0.8%-0.8pp	1.6%+0.9pp	0.7%-0.5pp	1.2%+0.1pp	1.2%+0.4pp	0.8%-0.2pp	1.0%+0.1pp	0.8%+0.2pp	0.6%+0.1pp	0.6%+0.1pp	0.5%+0.2pp	0.3%
Debt-to-Equity	10.94-0.4x	11.37-0.6x	11.98+0.4x	11.54+2.0x	9.53-0.3x	9.87-0.1x	10.01+0.1x	9.93+0.1x	9.85-1.4x	11.20-0.7x	11.92+0.5x	11.41-1.2x	12.57+1.1x	11.44+0.2x	11.28
Asset Turnover	0.030.0x	0.020.0x	0.020.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.03
FCF Margin	25.3%-1.2pp	26.5%+7.8pp	18.8%-15.2pp	33.9%-15.3pp	49.2%+36.7pp	12.4%+0.4pp	12.0%-30.3pp	42.3%+22.7pp	19.6%-2.0pp	21.7%-11.3pp	32.9%+26.5pp	6.5%-12.7pp	19.2%-12.8pp	31.9%-1.9pp	33.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.2%+8.2pp	29.3%+9.4pp	31.0%+8.7pp	27.8%+9.4pp	23.0%+10.0pp	19.9%+8.0pp	22.3%+2.8pp	18.4%-0.1pp
Return on Equity	2.5%+0.6pp	2.6%+1.1pp	2.7%+1.0pp	2.4%+1.1pp	1.9%+1.0pp	1.6%+0.8pp	1.7%+0.4pp	1.3%0.0pp
Return on Assets	0.2%+0.1pp	0.2%+0.1pp	0.2%+0.1pp	0.2%+0.1pp	0.1%+0.1pp	0.1%+0.1pp	0.1%0.0pp	0.1%0.0pp
Debt-to-Equity	9.39-2.1x	11.07-0.6x	10.94-0.4x	11.23-0.6x	11.47-0.4x	11.69-0.3x	11.37-0.6x	11.78-0.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	46.6%+10.3pp	31.1%+3.0pp	-7.4%+0.6pp	46.3%	36.3%+19.5pp	28.1%+43.1pp	-8.0%-39.5pp	110.0%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Southern First Bancshares, Inc. SFST	FY2025	$118.1M	$30.4M	25.7%	$560.1M	42/100
Bank of Marin Bancorp BMRC	FY2025	$29.4M	$26.5M	90.0%	$422.2M	17/100
Blue Ridge Bankshares, Inc. BRBS	FY2025	$91.7M	$10.7M	11.7%	$352.5M	24/100
Farmers & Merchants Bancorp, Inc. FMAO	FY2025	$121.4M	$33.3M	27.4%	$482.6M	44/100
Orange County Bancorp, Inc. OBT	FY2025	$127.2M	$41.6M	32.7%	$492.7M	57/100
Bankwell Financial Group Inc BWFG	FY2025	$108.3M	$35.2M	32.5%	$517.9M	37/100

Where Southern First Bancshares, Inc. Ranks

Frequently Asked Questions

What is Southern First Bancshares, Inc.'s annual revenue?

Southern First Bancshares, Inc. (SFST) reported $118.1M in total revenue for fiscal year 2025. This represents a 26.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Southern First Bancshares, Inc.'s revenue growing?

Southern First Bancshares, Inc. (SFST) revenue grew by 26.5% year-over-year, from $93.4M to $118.1M in fiscal year 2025.

Is Southern First Bancshares, Inc. profitable?

Yes, Southern First Bancshares, Inc. (SFST) reported a net income of $30.4M in fiscal year 2025, with a net profit margin of 25.7%.

What is Southern First Bancshares, Inc.'s net profit margin?

Southern First Bancshares, Inc. (SFST) had a net profit margin of 25.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Southern First Bancshares, Inc.'s return on equity (ROE)?

Southern First Bancshares, Inc. (SFST) has a return on equity of 8.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Southern First Bancshares, Inc.'s free cash flow?

Southern First Bancshares, Inc. (SFST) generated $29.9M in free cash flow during fiscal year 2025. This represents a 20.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Southern First Bancshares, Inc.'s operating cash flow?

Southern First Bancshares, Inc. (SFST) generated $30.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Southern First Bancshares, Inc.'s total assets?

Southern First Bancshares, Inc. (SFST) had $4.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Southern First Bancshares, Inc.'s capital expenditures?

Southern First Bancshares, Inc. (SFST) invested $581K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Southern First Bancshares, Inc. have outstanding?

Southern First Bancshares, Inc. (SFST) had 8M shares outstanding as of fiscal year 2025.

What is Southern First Bancshares, Inc.'s debt-to-equity ratio?

Southern First Bancshares, Inc. (SFST) had a debt-to-equity ratio of 10.94 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Southern First Bancshares, Inc.'s return on assets (ROA)?

Southern First Bancshares, Inc. (SFST) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Southern First Bancshares, Inc.'s P/E ratio?

Southern First Bancshares, Inc. (SFST) trades at 14.1x earnings, its market capitalization divided by net income of $39.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $560.1M as of Oct 20, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Southern First Bancshares, Inc.'s price-to-sales ratio?

Southern First Bancshares, Inc. (SFST) trades at 4.2x sales, its market capitalization divided by revenue of $132.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $560.1M as of Oct 20, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Southern First Bancshares, Inc.'s Piotroski F-Score?

Southern First Bancshares, Inc. (SFST) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Southern First Bancshares, Inc.'s earnings high quality?

Southern First Bancshares, Inc. (SFST) has an earnings quality ratio of 1.00x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Southern First Bancshares, Inc.?

Southern First Bancshares, Inc. (SFST) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.