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Southern First Bancshares SFST Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$31.1MMiss by $371.0K
EPS$1.07Beat by $0.18
Revenue estimate$31.5M
EPS estimate$0.89

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$31.1M+31.0%
Net income$8.7M+97.7%
EPS (diluted)$1.07+98.1%

Balance sheet

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Cash & equivalents$24.6M-90.6%
Total debt$22.1M-6.3%
Total equity$356.3M+9.1%
Total assets$4.4B+4.4%

Cash flow

See full
Operating cash flow$14.5M-45.0%
CapEx$88.0K-54.9%
Free cash flow$14.4M-44.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$360.93M+30.3%
Enterprise value$358.43M+797%
P/E13.8×-5.9×
P/S3.2×+0.1×

Profitability

See full
Net margin23.4%+7.7pp
FCF margin28.9%-8.6pp

Returns & leverage

See full
Return on equity7.7%+3.2pp
Debt / equity0.1×0.0×

FAQ

When did Southern First Bancshares report Q3 2025 earnings?
Southern First Bancshares (SFST) reported Q3 2025 earnings on October 28, 2025 before market open.
What were Southern First Bancshares's Q3 2025 revenue and EPS?
Southern First Bancshares reported revenue of $31.1M and eps of $1.07 for Q3 2025.
Did Southern First Bancshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $31.5M by $371.0K. EPS beat the consensus estimate of $0.89 by $0.18.
Where can I find Southern First Bancshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001206774-25-000731) and the 10-Q periodic report (0001206774-25-000738) directly on SEC EDGAR. The filing index links above go to sec.gov.