Southern First Bancshares, Inc. (SFST) vs Stellar Bancorp, Inc. (STEL)
Southern First Bancshares, Inc. and Stellar Bancorp, Inc. side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.
AI verdict — SFST vs STEL, read from the filings
The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.
| Southern First Bancshares, Inc. (SFST) | Stellar Bancorp, Inc. (STEL) | |
|---|---|---|
| Market cap | $0.6B | $2.0B |
| Revenue (latest FY) | $118.09M | $423.80M |
| Net income (latest FY) | $30.37M | $102.87M |
| Revenue growth (5y CAGR) | 42.9% | — |
| Net margin | 25.7% | 24.3% |
| Return on equity | 8.2% | 6.2% |
| P/E ratio | 14.2 | 18.6 |
| Dividend yield | — | 1.6% |
| Profitable years (of last 10) | 10 | 10 |
| Positive free cash flow | Yes | Yes |
Performance — SFST vs STEL
Total returns from monthly split- and dividend-adjusted closes; 52-week range from the latest quote. Past performance is not a prediction.
| Southern First Bancshares, Inc. (SFST) | Stellar Bancorp, Inc. (STEL) | |
|---|---|---|
| 1-year return | 58.7% | 39.6% |
| 3-year return | 143.9% | 77.9% |
| 5-year return | 18.0% | 54.7% |
| 10-year return | 150.5% | — |
| 52-week range | $34.80–$62.00 | $26.30–$40.21 |
Verify the comparison
Use the filing period and source shown by each tool before treating two figures as comparable.
See the full SFST vs STEL breakdown
Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.
Open SFST's full financials → Open STEL's full financials →More comparisons
Frequently asked questions
Which is bigger, SFST or STEL?
Stellar Bancorp, Inc. is larger by market capitalization — $2.0B versus $0.6B.
Which grows faster, SFST or STEL?
Five-year growth data is not available for both companies.
Where does this data come from?
All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.