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Southern First Bancshares, Inc. (SFST)
Financial Services · Banks - Regional · NasdaqGM
Southern First Bancshares, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.84M | $5.15M | $5.54M | $9.92M | $19.79M | $11.38M | $107.59M | $87.51M | $93.36M | $118.09M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $13.04M | $13.04M | $22.29M | $27.86M | $18.33M | $46.71M | $29.11M | $13.43M | $15.53M | $30.37M |
| Net margin | 190.7% | 253.2% | 402.0% | 280.7% | 92.6% | 410.6% | 27.1% | 15.3% | 16.6% | 25.7% |
Source: Southern First Bancshares, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into SFST stock?
At today's market cap of $570.71M, Southern First Bancshares, Inc. is priced for free-cash-flow growth of about 7.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $29.88M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 17.5%/yr over the last five fiscal years and revenue 42.9%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Southern First Bancshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Southern First Bancshares, Inc. financial history by metric
About Southern First Bancshares, Inc.
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company offers other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
Southern First Bancshares, Inc. — frequently asked questions
What is Southern First Bancshares, Inc.'s revenue?
Southern First Bancshares, Inc. (SFST) reported revenue of $118.09M for fiscal year 2025, up 26.5% from the prior year, according to its SEC filings.
Is Southern First Bancshares, Inc. profitable?
Yes. SFST earned net income of $30.37M in fiscal 2025, a net margin of 25.7%.
What is SFST's P/E ratio?
Southern First Bancshares, Inc. trades at a price-to-earnings ratio of about 14.2 based on the latest data in our nightly-refreshed cache.
How fast is Southern First Bancshares, Inc. growing?
SFST's revenue grew at roughly 42.9% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Southern First Bancshares, Inc. have?
As of fiscal year 2025, SFST carried roughly $264.90M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Southern First Bancshares, Inc.'s market cap?
Southern First Bancshares, Inc. (SFST) has a market capitalization of about $570.71M, based on the latest data in our nightly-refreshed cache.
When does Southern First Bancshares, Inc.'s fiscal year end?
SFST's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into SFST stock?
At today's market cap of $570.71M, Southern First Bancshares, Inc. is priced for free-cash-flow growth of about 7.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $29.88M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 17.5%/yr over the last five fiscal years and revenue 42.9%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Southern First Bancshares, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.