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Southern First Bancshares

SFST

Southern First Bancshares, Inc. is a regional bank holding company that operates Southern First Bank, providing commercial and consumer banking services across South Carolina, North Carolina, and Georgia.

Market cap
$600.98M+80.1%
Revenue$132.6M+27.4%
Net income$39.6M+81.2%
EPS (diluted)$4.64+72.5%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$37.6M
EPS estimate$1.26

Financials

Q2 2026

Income statement

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Revenue$35.9M+25.3%
Net income$11.2M+70.1%
EPS (diluted)$1.20+48.1%

Balance sheet

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Cash & equivalents$361.6M+1,336%
Total equity$452.3M+30.9%
Total assets$4.7B+9.1%

Valuation & ratios

Valuation

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Market cap$590.8M+80.1%
P/E14.9×-0.1×
P/S4.5×+1.3×

Profitability

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Net margin29.9%+8.9pp

Returns & leverage

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Return on equity9.9%+3.3pp

Competitors

Profile

Southern First Bancshares, Inc. is a regional bank holding company that operates Southern First Bank, providing commercial and consumer banking services across South Carolina, North Carolina, and Georgia. The company utilizes a relationship-focused ClientFIRST model, which emphasizes personalized service through dedicated relationship teams and high-efficiency banking offices. Its core value proposition centers on combining sophisticated digital banking technology with local market expertise to serve small to medium-sized businesses and individuals.

Competitive position

A high-efficiency regional player that competes by maintaining larger-than-average deposit balances per office and leveraging a talent-heavy, low-brick-and-mortar footprint.

GeographiesSouth Carolina, North Carolina, Georgia, United States
Customer segmentsSMEs, Retail Consumers, High-net-worth Individuals
Business modelRelationship Banking, Interest Income, Fee-based Services
SuppliersFederal Reserve System, Federal Home Loan Bank of Atlanta, Core Data Processing Providers, ATM Network Providers
CustomersSmall Business Owners, Real Estate Investors, Residential Homebuyers, Commercial Enterprises
Listed1999
Employees296.0
CEOR. Arthur Seaver Jr.
FilingsSEC EDGAR

FAQ

What is Southern First Bancshares's market cap?
Southern First Bancshares (SFST) has a market capitalization of $601.0M and trades on NASDAQ.
What is Southern First Bancshares's revenue and profitability?
Southern First Bancshares generated $132.6M in trailing twelve-month revenue with net income of $39.6M, representing a net margin of 29.9%. These figures are based on the Q2 2026 filing.
Who are Southern First Bancshares's competitors?
Southern First Bancshares's key competitors include Bank of America, Wells Fargo, Truist Financial, and others. These companies compete in similar markets and product categories.
Who does Southern First Bancshares partner with?
Southern First Bancshares's notable partners include Fidelity National Information Systems, Federal Home Loan Bank of Atlanta, Small Business Administration.
What subsidiaries does Southern First Bancshares have?
Southern First Bancshares's subsidiaries include Southern First Bank.
Where is Southern First Bancshares headquartered?
Southern First Bancshares is headquartered in United States of America and employs approximately 296 people. It has been publicly traded since 1999.