SFST CFO reports 153-share tax-withholding transaction

SOUTHERN FIRST BANCSHARES INC Chief Financial Officer Christian J. Zych reported a routine tax-withholding transaction on company stock.

Rhea-AI Filing Summary

SOUTHERN FIRST BANCSHARES INC Chief Financial Officer Christian J. Zych reported a routine tax-withholding transaction on company stock. The filing shows 153 shares of common stock were disposed of at $57.07 per share to satisfy tax withholding obligations upon the vesting of restricted stock awards. After this non‑market transaction, he directly holds 7,078 shares of common stock.

Insider Trade Summary

Exercise Price or Tax Liability: 153 shares

Exercise Price or Tax Liability 1 txn

Insider Zych Christian J

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	153	$57.07	$9K

Holdings After Transaction: Common Stock — 7,078 shares (Direct)

Footnotes (1)

1. F1. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of restricted stock awards.

Key Figures

Shares disposed for tax withholding: 153 shares Tax-withholding price: $57.07 per share Shares held after transaction: 7,078 shares

3 metrics

Shares disposed for tax withholding 153 shares Code F tax-withholding disposition on common stock

Tax-withholding price $57.07 per share Value used for 153-share tax-withholding disposition

Shares held after transaction 7,078 shares Direct ownership after tax-withholding disposition

Key Terms

restricted stock awards, tax withholding obligations, Form 4, Chief Financial Officer

4 terms

restricted stock awards financial

"upon vesting of restricted stock awards"

Restricted stock awards are company shares given to employees or executives that cannot be sold or transferred until certain conditions — like staying with the company for a set time or meeting performance targets — are met, like a gift that is locked in a safe until rules are satisfied. Investors care because these awards tie management’s pay to company performance, can increase the number of shares outstanding when they become tradable (dilution), and may signal expected future selling pressure or commitment to long-term growth.

tax withholding obligations financial

"withheld to satisfy tax withholding obligations upon vesting"

Form 4 regulatory

"The Form 4 shows 153 shares of common stock"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Chief Financial Officer financial

"Christian J. Zych reported a routine tax-withholding transaction"

A Chief Financial Officer (CFO) is the person in charge of a company's money and financial planning. They decide how to spend, save, and invest funds to help the company grow and stay stable. Their role is important because good financial decisions keep the company healthy and successful.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did SFST CFO Christian J. Zych report?

Christian J. Zych reported a tax-withholding share disposition. The Form 4 shows 153 shares of SOUTHERN FIRST BANCSHARES INC common stock were withheld and disposed of to cover tax obligations arising from the vesting of restricted stock awards, rather than an open-market sale.

How many SFST shares were involved in the CFO’s latest Form 4?

The transaction involved 153 shares of common stock. These shares were withheld and disposed of at a price of $57.07 per share to satisfy tax withholding obligations when restricted stock awards vested, according to the Form 4 footnote disclosure.

Does the SFST Form 4 indicate an open-market sale by the CFO?

No, the Form 4 does not show an open-market sale. The 153 shares of SOUTHERN FIRST BANCSHARES INC common stock were withheld to satisfy tax withholding obligations upon vesting of restricted stock awards, a non-market, administrative disposition for tax purposes.

How many SFST shares does the CFO hold after this transaction?

Following the transaction, the CFO holds 7,078 shares. The Form 4 reports that Christian J. Zych’s direct ownership of SOUTHERN FIRST BANCSHARES INC common stock stands at 7,078 shares after the 153-share tax-withholding disposition related to vested restricted stock awards.

What does the tax-withholding code F mean in the SFST Form 4?

Code F indicates shares used to pay taxes or exercise costs. In this case, 153 SOUTHERN FIRST BANCSHARES INC shares were withheld to satisfy tax withholding obligations tied to vesting restricted stock awards, rather than reflecting a discretionary buy or sell decision in the open market.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/22/2026 - 03:19 PM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Zych Christian J

(Last) (First) (Middle)

P.O. BOX 17465

(Street)

GREENVILLE SOUTH CAROLINA 29606

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
SOUTHERN FIRST BANCSHARES INC [ SFST ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/21/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/21/2026		F		153(1)	D	$57.07	7,078	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of restricted stock awards.

	Christian J. Zych /s/ Julie A. Fairchild, POA	05/22/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)