Southern First Bancshares, Inc. (SFST)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 107 | 105 | 108 | 88 | 93 | 118 | 108 | - |
| Operating profit | $m | 40 | 51 | ||||||
| Net profit | $m | 18 | 47 | 29 | 13 | 16 | 30 | 40 | 40 |
| EPS reported | $ | 3.75 | 4.68 | ||||||
| Operating cashflow per share | $ | 3.78 | 4.49 | ||||||
| Capex per share | $ | 0.07 | 0.21 | ||||||
| FCF per share | $ | 3.71 | 4.27 | ||||||
| Free cash flow | $m | 30 | 39 | ||||||
| Net debt | $m | 179 | 106 | ||||||
| Book value equity | $m | 369 | 452 | ||||||
| Book value per share | $ | 45.56 | 48.53 | ||||||
| Number of shares | m | 8.09 | 9.32 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.74 | 12.95 | ||||||
| P/B LTM | x | 1.12 | 0.92 | ||||||
| P/S LTM | x | 3.51 | 3.83 | ||||||
| P/FCF LTM | x | 13.88 | 10.56 | ||||||
| EV/EBITDA LTM | x | 13.38 | 10.97 | ||||||
| EV/Sales LTM | x | 2.64 | 4.05 | ||||||
| Earnings Yield LTM | % | +7.28% | +7.72% | ||||||
| FCF Yield | % | +7.21% | +9.47% | ||||||
| Quality | |||||||||
| ROE | % | +8.24% | +10.18% | ||||||
| ROIC | % | +4.42% | +0.84% | ||||||
| Operating margin | % | +17.63% | +24.12% | ||||||
| Gross margin | % | +51.26% | +60.86% | ||||||
| FCF/Sales | % | +13.30% | +18.55% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +96.34% | +145.03% | ||||||
| Sales Growth YoY | % | +26.52% | +16.02% | ||||||
| Net Income Growth YoY | % | +95.53% | +155.00% | ||||||
| FCF Growth | % | +20.60% | +58.49% | ||||||
| Operating Profit Growth | % | +98.90% | +156.35% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.11 | 0.14 | ||||||
| Net Debt/EBITDA | x | 4.03 | 4.62 | ||||||
| EBIT/Net interest | x | 0.37 | 0.49 | ||||||
| Net debt/market cap | % | +63.89% | +41.94% | ||||||
| Net debt/Equity | x | 0.48 | 0.23 | ||||||
| Gross debt/equity | x | 0.72 | 0.62 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credit. Complementary services include online and mobile banking, cash management, safe deposit boxes, direct deposit, automated drafts, and bill payment. The company operates eight retail branches in South Carolina (Greenville, Charleston, and Columbia), three in North Carolina (Raleigh, Greensboro, and Charlotte areas), and one in Atlanta, Georgia. Founded in 1999, Southern First Bancshares, Inc. is based in Greenville, South Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Southern First Bancshares, Inc. (SFST)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credit. Complementary services include online and mobile banking, cash management, safe deposit boxes, direct deposit, automated drafts, and bill payment. The company operates eight retail branches in South Carolina (Greenville, Charleston, and Columbia), three in North Carolina (Raleigh, Greensboro, and Charlotte areas), and one in Atlanta, Georgia. Founded in 1999, Southern First Bancshares, Inc. is based in Greenville, South Carolina.
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