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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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