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SFST

HoldPremium Grower

Southern First Bancshares, Inc. · Financial Services · United States · $590M · Avg Vol: $6M/d

63
StockRank
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Q
54
V
40
M
64
P/E (TTM)
13.7x
ROE
9.9%
D/E
0.7x
Dividend %
—
Dir. Trades · 180d
−$1.7M →
Buybacks · 180d
None →

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)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue107.6M87.5M93.4M118.1M3.2%128.8M146.4M172.3M20.8%
EPS3.661.671.923.771.0%4.655.036.2128.3%
Shares8.0M8.1M8.2M8.2M+2.5%9.5M———
Debt211.2M311.3M264.9M264.9M7.8%280.3M———
Equity294.5M312.5M330.4M368.7M7.8%————
Op CF50.3M17.7M25.6M30.5M-15.4%41.2M———
Inv CF-792.6M-378.6M-28.9M-206.3M—————
Fin CF745.9M346.2M10.0M282.6M—————
Loading 1Y...
PRICE (1Y)+3.7%
60.7961.7462.6963.6564.60Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$63.42
RSI (14)
53.5
52W High
$65.09
From 52W High
1.0%

SCORE BREAKDOWN

Quality
54
ROIC (ROA)
0.9%*33.2
ROE
9.9%50.3
GP/Assets
2.9%N/A
Op. Margin
44.0%62.7
FCF/Assets
0.7%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.72xN/A
Current Ratio
bankN/A
Value
40
P/E (TTM)
13.7x45.5
EV/EBITDA
bankN/A
P/FCF
17.9xN/A
P/B
1.3x43.5
P/S
4.7x36.5
Div Yield
—N/A
Momentum
64
52W High %
97%87.9
RS 6M
8%68.6
SMA 50/200
1.09x68.4
EPS Rev 4W
0.0%27.7
EPS Rev 12W
-6.2%9.9
EPS Improve
+33%63.6
Q Growth
70%79.7

FUNDAMENTALS

Market Cap
$590M
P/E (Forward)
10.3x
Gross Margin
—

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
SFSTSouthern First Bancshares, Inc.(you)$590M63Hold
AROWArrow Financial Corporation$611M63Hold
UNTYUnity Bancorp, Inc.$590M64Hold
BWBBridgewater Bancshares, Inc.$594M61Hold
HBCPHome Bancorp, Inc.$547M64Hold
RRBIRed River Bancshares, Inc.$663M62Hold
NRIMNorthrim BanCorp, Inc.$571M67Buy
MSBIMidland States Bancorp, Inc.$685M61Hold
CBKCommercial Bancgroup, Inc.$467M63Hold
KRNYKearny Financial Corp.$638M67Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

Southern First Bancshares, Inc. (SFST) has a MoatMap StockRank of 63/100 based on Quality (54/100), Value (40/100), and Momentum (64/100) factor scores. The current signal is HOLD.

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$63.42
Market Cap$590M
P/E (TTM)13.69
P/E (Forward)10.31
Price/Book1.33
Return on Equity9.9%
Debt/Equity0.72x
Operating Margin44.0%
Revenue Growth24.8%
Free Cash Flow$33M

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 63/100, with a Hold signal. It is a composite of Quality (54), Value (40), and Momentum (64) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Southern First Bancshares, Inc. have an economic moat?
Southern First Bancshares, Inc. (SFST) has a Quality factor score of 54/100. 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 63/100. 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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