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  2. SECTOR : BANKING & FINANCE
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  4. SOUTHERN FIRST BANCSHARES INC
Southern First Bancshares Inc
XNAS: SFST
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Southern First Bancshares Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Southern First Bancshares Inc share price target, revenues, EPS, net income and more

Southern First Bancshares Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Southern First Bancshares Inc Jun-2026 Quarterly Revenue is $36 Million which is growth of 25.3% YoY.

  • POSITIVE

    Quarterly Net Profit Southern First Bancshares Inc Jun-2026 Quarterly Net Profit is $11 Million which is growth of 70.1% YoY.

Southern First Bancshares Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
35.933.831.831.128.626.525.223.823.121.321.422.121.6
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------5.613.511.5
Operating Profit
----------
⌄
-------------
Profit Before Tax
14.512.512.811.38.66.96.95.73.93.45.35.33.3
Tax
3.32.62.92.721.61.31.30.90.91.21.20.8
⌄
11.29.99.98.76.65.35.64.432.54.24.12.5
Diluted NI Avail to Com Stockholders Ann.
11.29.99.98.76.65.35.64.432.54.24.12.5
Basic EPS
1.21.21.21.10.80.70.70.50.40.30.50.50.3
Diluted EPS After ExtraOrdinary
1.21.21.21.10.80.70.70.50.40.30.50.50.3
Number Of Shares End
9.28.28.288.18.188.18.18.18.18.18.1
Net Income Continuing Discontinued Operations
11.29.99.98.76.65.35.64.432.54.24.12.5
Normalized Income
11.29.99.98.76.65.35.64.432.54.24.12.5
Interest Income
58.154.654.55552.349.751.151.250.648.449.147.542.7
Interest
25.824.425.827.52726.328.730.63129.730.128.123.9
Net Interest Income
32.430.328.727.525.323.422.520.619.518.619.119.318.8
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
10.9111.11.21.21.21.21.21.21.21.2
Profit From Continuing Operations
11.29.99.98.76.65.35.64.432.54.24.12.5
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Southern First Bancshares Inc competitor comparison and performance snapshot within industry

Southern First Bancshares Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Southern First Bancshares Inc Dec-2025 Annual Revenue is $118 Million which is growth of 26.5% YoY.

  • POSITIVE

    Annual Net Profit Southern First Bancshares Inc Dec-2025 Annual Net Profit is $30 Million which is growth of 95.5% YoY.

Southern First Bancshares Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.3%
4%
 118.193.387.5107.296.197.383.870.460.253.846.9
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---99.9-20-5.4-15-25.4-16.5-10.3-8.2-7.5
Operating Profit Ann.
-
-
 --187.5127.2101.5112.3109.186.970.66254.5
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
1.3%
10.7%
5139.619.917.438.160.823.835.528.723.720.415.5
Tax Ann.
0.7%
10.8%
11.49.24.44914.15.57.66.410.67.35.4
⌄
1.5%
10.7%
39.630.415.513.429.146.718.327.922.3131310.2
Diluted NI Avail to Com Stockholders Ann.
1.5%
10.7%
39.630.415.513.429.146.718.327.922.3131310.2
EPS Ann.
0.9%
9.6%
 3.81.91.73.762.43.731.92.11.6
Diluted EPS Ann.
0.9%
10%
 3.71.91.73.65.92.33.62.91.81.91.6
Number Of Shares End
0.8%
1.3%
 8.288.187.97.77.67.47.36.46.1
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
1.5%
10.7%
39.630.415.513.429.146.718.327.922.3131310.2
Normalized Income Ann.
1.5%
10.6%
39.630.415.513.429.146.718.42922.3131310.2
Interest Income Ann.
21.6%
17.4%
222.3211.5201.2177.6117.793.294.892.776.761.251.246
Interest Ann.
74.6%
48%
103.4106.512099.9205.41525.416.510.38.27.5
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
5.1%
14.3%
3.94.34.84.83.72.32.21.91.81.51.31.3
Profit From Continuing Operations Ann.
1.5%
10.7%
39.630.415.513.429.146.718.327.922.3131310.2
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
26.6%
2Y CAGR
16.2%
3Y CAGR
3.3%
5Y CAGR
4%
7Y CAGR
7.7%
10Y CAGR
9.7%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
96.1%
2Y CAGR
50.6%
3Y CAGR
1.5%
5Y CAGR
10.7%
7Y CAGR
4.5%
10Y CAGR
11.5%
Net Profit Annual growth is higher than historical averages.

Southern First Bancshares Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Southern First Bancshares Inc Dec-2025 Total Shareholders Fund is $369 Million which is growth of 11.6% YoY.

  • POSITIVE

    Total Assets Southern First Bancshares Inc Dec-2025 Total Assets is $4,403 Million which is growth of 7.7% YoY.

Southern First Bancshares Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
6.1%
12.1%
4,403.54,087.64,055.83,6922,925.62,482.62,267.21,900.61,624.61,340.91,217.3
⌄
5.9%
12.3%
4,034.83,757.23,743.33,397.52,647.72,254.32,061.31,726.71,474.91,2311,123.1
⌄
7.8%
10.1%
368.7330.4312.5294.5277.9228.3205.9173.9149.7109.994.2
Total Capitalization Ann.
7.8%
17%
633.6595.4623.8505.7314289.3351.8237.3230.3238.5222.8
Tangible Assets Ann.
7.8%
10.1%
368.7330.4312.5294.5277.9228.3205.9173.9149.7109.994.2
Working Capital Ann.
-
-
--
Invested Capital Ann.
7.8%
17%
633.6595.4623.8505.7314289.3351.8237.3230.3238.5222.8
Tangible Book Value Ann.
7.8%
10.1%
368.7330.4312.5294.5277.9228.3205.9173.9149.7109.994.2
Borrowings Ann.
7.8%
34.1%
264.9264.9311.3211.236.161145.963.480.6128.6128.6
Net Debt Ann.
8.1%
-
178.8230.5274.5141.6--107.326.437.6106.199.3
Share Issued Ann.
0.8%
1%
8.28.28.187.97.87.77.57.46.56.3
Number Of Shares End
0.8%
1.3%
8.288.187.97.77.67.47.36.46.1
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
7.7%
2Y CAGR
4.2%
3Y CAGR
6.1%
5Y CAGR
12.1%
7Y CAGR
12.8%
10Y CAGR
13.7%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
11.6%
2Y CAGR
8.6%
3Y CAGR
7.8%
5Y CAGR
10.1%
7Y CAGR
11.3%
10Y CAGR
14.6%
Total ShareHolders Funds Annual growth is higher than historical averages.

Southern First Bancshares Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Southern First Bancshares Inc Book Value Per Share is $48 which is growth of 13.1% YoY.

  • NEUTRAL

    ROE Southern First Bancshares Inc ROE is 0% which is growth of 0% YoY.

Southern First Bancshares Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.38%0.35%0.88%1.73%0.77%1.34%1.26%0.88%1.02%0.90%
ROE Ann. %
-
-
-4.83%4.42%10.17%18.46%8.44%14.67%13.78%10.05%12.77%11.47%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--214.20%118.69%105.66%115.42%130.31%123.46%117.16%115.21%115.98%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.810.70.10.30.70.40.51.21.4
*All financials are in USD Million and price data in USD
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Southern First Bancshares Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Southern First Bancshares Inc Dec-2025 Cash From Operating Activity is $30 Million which is growth of 19.2% YoY.

  • POSITIVE

    Net Cash Flow Southern First Bancshares Inc Dec-2025 Net Cash Flow is $107 Million which is growth of 1494.5% YoY.

Southern First Bancshares Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-15.4%
8.2%
30.525.617.750.378.120.618.331.717.217.120.1
⌄
-
-
-206.3-28.9-378.6-792.6-410.6-230.8-275.6-301.7-239-139.9-176
⌄
-27.6%
9.1%
282.610346.2745.9399.1183312.2250.7267.4106.5177.5
Cash Plus Cash Eqv. End Of Year Ann.
16.4%
21.8%
269.6162.9156.2170.9167.2100.7127.872.992.246.662.9
Net Increase In Cash Plus Cash Eqv.s Ann.
206.7%
-
106.76.7-14.73.766.5-27.154.9-19.345.6-16.321.6
Cash Plus Cash Eqv. Begin Of Year Ann.
-0.9%
5%
162.9156.2170.9167.2100.7127.872.992.246.662.941.3
Income Tax Paid Supplemental Data Ann.
-3.5%
31.5%
10.63.81.511.821.72.77.95.58.46.76.6
Interest Paid Supplemental Data Ann.
78.2%
45.7%
106.9119.493.418.96.416.325.215.4108.37.3
Capex Ann.
-
-
-0.6-0.8-1.2-14-26.5-7.3-8.4-1.9-5.4-5.4-4.7
Issuance Of Capital Stock Ann.
-
-
------24.8
Issuance Of Debt Ann.
-
-
---82.5---
Repayment Of Debt Ann.
-
-
-46.5---25-85--17.2-48-20
Repurchase Of Capital Stock Ann.
-
-
----------
Free Cash Flow Ann.
-6.3%
17.6%
29.924.816.436.451.613.39.929.811.811.715.5
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
19.1%
2Y CAGR
31.3%
3Y CAGR
-15.4%
5Y CAGR
8.2%
7Y CAGR
-0.5%
10Y CAGR
4.3%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
2726%
2Y CAGR
-9.7%
3Y CAGR
-27.6%
5Y CAGR
9.1%
7Y CAGR
1.7%
10Y CAGR
4.8%
Cash from Financing Annual Activity growth is higher than historical averages.
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