Welcome to our dedicated page for Southern First SEC filings (Ticker: SFST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Southern First Bancshares, Inc. (NASDAQ: SFST) SEC filings page provides access to the company’s regulatory disclosures as a public bank holding company. Southern First Bancshares files reports with the U.S. Securities and Exchange Commission in connection with its listing on The Nasdaq Global Market, where its common stock trades under the symbol SFST.
Investors can review current reports on Form 8-K, which the company uses to announce material events such as quarterly earnings releases and related investor presentations. Recent 8-K filings reference press releases detailing financial results for specific periods and slide presentations that summarize net interest income, net interest margin, loan and deposit balances, asset quality ratios, and capital measures.
In addition to 8-Ks, users can expect to find Southern First Bancshares’ annual reports on Form 10-K and quarterly reports on Form 10-Q, which typically include comprehensive financial statements, management’s discussion and analysis, segment information for its Commercial and Retail Banking activities, and detailed credit quality and capital disclosures. These filings provide insight into how the company manages FDIC-insured deposits, commercial, consumer, and mortgage loans, and overall balance sheet risk.
For those monitoring insider activity and governance, the SEC’s EDGAR system also includes Forms 3, 4, and 5 for insider ownership and trading, as well as proxy materials related to director and executive matters. On Stock Titan, AI-powered tools can help summarize lengthy filings, highlight key changes in metrics such as nonperforming assets, allowance for credit losses, and capital ratios, and make it easier to interpret complex banking disclosures without reading every line.
Because Southern First Bancshares regularly uses SEC filings to furnish earnings press releases and presentations, this page is a central resource for understanding the company’s financial condition, results of operations, and regulatory reporting as a publicly traded commercial banking organization.
Southern First Bancshares (SFST)200 shares of common stock at $43.5 per share.
Following this transaction, the director beneficially owns 50,661 shares, held directly. The filing was made by one reporting person and lists the individual’s relationship to the issuer as Director.
Southern First Bancshares (SFST) reported an insider transaction by Chief Accounting Officer Julie A. Fairchild. On 11/04/2025, she had 77 shares of common stock withheld at $44.11 per share under code F, reflecting tax withholding upon the vesting of restricted stock awards.
Following this transaction, Fairchild beneficially owns 5,718 shares, held directly.
Southern First Bancshares (SFST) director reports open-market purchase. On 10/31/2025, a director bought 100 shares of common stock at a price of $44, according to a Form 4 filing. Following this transaction, the director directly beneficially owns 50,461 shares.
Southern First Bancshares (SFST) filed a Form 4 reporting an insider purchase. Director Anna Locke bought 225 shares of common stock on 10/31/2025 at $44.0544 per share (transaction code P). Following the trade, she beneficially owns 3,292 shares, held directly (D).
Southern First Bancshares (SFST) reported stronger Q3 results. Net income rose to $8.662 million from $4.382 million a year ago, and diluted EPS improved to $1.07 from $0.54. Net interest income increased to $27.529 million versus $20.591 million, reflecting higher loan yields and lower interest expense. The provision for credit losses was $0.850 million. Noninterest income was $3.600 million and noninterest expenses were $18.946 million.
Total assets grew to $4.359 billion from $4.088 billion at year-end. Loans reached $3.789 billion (up from $3.632 billion), while deposits increased to $3.676 billion (from $3.436 billion). Cash and equivalents rose to $282.903 million. The allowance for credit losses stood at $41.799 million. Accumulated other comprehensive loss narrowed to $8.426 million, aided by unrealized gains on securities. As context, 8,189,177 common shares were outstanding as of October 27, 2025.
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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