What is Southern First Bancshares, Inc.'s (SFST) StockRank?

MoatMap's StockRank for Southern First Bancshares, Inc. (SFST) is 69/100, with a Buy signal. This is a composite score combining Quality (53), Value (38), and Momentum (71) factor ranks across MoatMap's 20,000+ stock universe.

Does Southern First Bancshares, Inc. have an economic moat?

Southern First Bancshares, Inc. (SFST) has a Quality factor score of 53/100. 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 financial 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 Buy, based on a StockRank of 69/100. 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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SFST

BUY

Southern First Bancshares, Inc. · Financial Services · United States · $582M · Avg Vol: $9M/d

StockRank

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P/E (TTM)

14.4x

ROE

9.8%

D/E

0.7x

Dividend %

—

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	107.6M	87.5M	93.4M	118.1M	3.2%	121.9M	148.7M	176.2M	22.1%
EPS	3.66	1.67	1.92	3.77	1.0%	4.26	4.98	6.20	28.2%
Shares	8.0M	8.1M	8.2M	8.2M	+2.5%	9.5M	—	—	—
Debt	211.2M	311.3M	264.9M	264.9M	7.8%	292.6M	—	—	—
Equity	294.5M	312.5M	330.4M	368.7M	7.8%	—	—	—	—
Op CF	50.3M	17.7M	25.6M	30.5M	-15.4%	33.6M	—	—	—
Inv CF	-792.6M	-378.6M	-28.9M	-206.3M	—	—	—	—	—
Fin CF	745.9M	346.2M	10.0M	282.6M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+1.5%

SMA 50SMA 200

$61.59

RSI (14)

52.0

52W High

$64.06

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.8%*31.5

ROE

9.8%50.8

GP/Assets

2.8%N/A

Op. Margin

41.2%60.6

FCF/Assets

0.7%N/A

Piotroski

683.6

Int. Cover

—50.0

D/E Ratio

0.72xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.4x43.1

EV/EBITDA

bankN/A

P/FCF

17.7xN/A

P/B

1.3x41.1

P/S

4.8x38.6

Div Yield

—N/A

Momentum

52W High %

96%67.5

RS 6M

6%68.3

SMA 50/200

1.09x72.7

EPS Rev 4W

0.0%69.8

EPS Rev 12W

—N/A

EPS Improve

+45%69.3

Q Growth

88%82.8

FUNDAMENTALS

Market Cap

$582M

P/E (Forward)

10.0x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SFST are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
SFST	Southern First Bancshares, Inc.(you)	$582M	69	BUY
UNTY	Unity Bancorp, Inc.	$583M	72	BUY
BHB	Bar Harbor Bankshares	$654M	70	BUY
BCAL	California BanCorp	$676M	69	BUY
PDLB	Ponce Financial Group, Inc.	$489M	68	BUY
KRNY	Kearny Financial Corp.	$592M	73	BUY
CWBC	Community West Bancshares	$678M	66	BUY
FRBA	First Bank	$451M	68	BUY
BSRR	Sierra Bancorp	$548M	74	BUY
GCBC	Greene County Bancorp, Inc.	$562M	76	BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$61.59
Market Cap	$582M
P/E (TTM)	14.41
P/E (Forward)	9.96
Price/Book	1.33
Return on Equity	9.8%
Debt/Equity	0.72x
Operating Margin	41.2%
Revenue Growth	26.2%
Free Cash Flow	$33M