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Southern First Bancshares, Inc. (SFST) furnished an 8-K announcing its financial results for the period ended September 30, 2025. The company issued a press release and an investor slide presentation summarizing the results.
The press release is furnished as Exhibit 99.1 and the slide deck as Exhibit 99.2, with the presentation also available on the company’s website under Investor Relations. SFST’s common stock trades on The Nasdaq Global Market.
Leighton M. Cubbage, a director of Southern First Bancshares, Inc. (SFST), reported a sale of 35 shares of common stock on 08/27/2025 at a price of $45.12 per share. After the sale, the reporting person beneficially owned 51,170 shares. The Form 4 discloses the single non-derivative disposition and shows direct ownership remaining with the reporting person.
Southern First Bancshares (SFST) posted a strong rebound in Q2 2025. Net income jumped to $6.6 m (EPS $0.81) versus $3.0 m (EPS $0.37) a year ago, driven by a 30% YoY rise in net interest income to $25.3 m and a 13% drop in total interest expense. For the first six months, net income more than doubled to $11.8 m (EPS $1.46).
Total assets expanded 5.4% since year-end to $4.31 bn; loan balances increased 3.2% to $3.75 bn while deposits grew 5.8% to $3.64 bn, keeping the loan-to-deposit ratio near 103%. The allowance for credit losses edged up to $41.3 m (≈1.1% of loans) after a $0.7 m quarterly provisioning.
Non-interest income slipped 5% YoY, mainly from softer mortgage banking fees, and operating costs rose 4%, but efficiency improved as revenue growth outpaced expenses. Unrealized losses on the AFS portfolio narrowed to $9.6 m, boosting other comprehensive income by $0.4 m in the quarter.
Capital remained solid: shareholders’ equity increased to $345 m, and management reports all regulatory ratios exceed well-capitalized thresholds. Liquidity strengthened with cash & equivalents up 66% to $271 m; the $15 m parent LOC is undrawn.
Director Leighton M. Cubbage of Southern First Bancshares has reported a significant insider transaction on June 23, 2025. The Form 4 filing reveals that Cubbage sold 1,083 shares of common stock at a price of $35.72 per share, resulting in a transaction value of approximately $38,685.
Following this disposition, Cubbage continues to hold 51,205 shares directly. This transaction represents a relatively small reduction in the director's overall position in the company, maintaining substantial skin in the game.
Key transaction details:
- Transaction Type: Sale (S)
- Ownership Type: Direct (D)
- Filing Date: June 28, 2025
- No derivative securities were involved in this transaction
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