Southern First Bancshares, Inc. (SFST) — Stock Score Summary

Southern First Bancshares, Inc. (SFST) has a MoatMap StockRank of 60/100 based on Quality (37/100), Value (32/100), and Momentum (76/100) factor scores. The current signal is HOLD. Southern First Bancshares is a regional bank. It is highly sensitive to interest rate margins and local real estate markets, offering no asymmetric macro tailwinds or unique competitive advantages.

Southern First Bancshares is the holding company for Southern First Bank, a rapidly growing regional bank operating in South Carolina, North Carolina, and Georgia. The bank utilizes a unique client-first business model, focusing on hiring top-tier local bankers to attract high-net-worth individuals and commercial clients. Its competitive moat is driven by its organic, relationship-led growth strategy and its presence in some of the fastest-growing metropolitan areas in the Southeast.

Key Financial Metrics

Price$60.01
Market Cap$547M
P/E (TTM)13.72
P/E (Forward)8.88
Price/Book1.27
Return on Equity9.8%
Gross Margin0.0%
Operating Margin41.2%
Revenue Growth26.2%

Southern First Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Southern First Bancshares, Inc.’s (SFST) StockRank?
MoatMap’s StockRank for Southern First Bancshares, Inc. (SFST) is 60/100, with a Hold signal. It is a composite of Quality (37), Value (32), and Momentum (76) factor ranks across MoatMap’s 19,000+ stock universe.
Does Southern First Bancshares, Inc. have an economic moat?
Southern First Bancshares, Inc. (SFST) has a Quality factor score of 37/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Southern First Bancshares, Inc. a buy, hold, or sell?
MoatMap’s current signal for Southern First Bancshares, Inc. (SFST) is Hold, based on a StockRank of 60/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Southern First Bancshares, Inc. in?
Southern First Bancshares, Inc. (SFST) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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