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Southern First Bancshares SFST Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$31.8MMiss by $66.0K
EPS$1.21Beat by $0.10
Revenue estimate$31.9M
EPS estimate$1.11

Next report

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

Financials

Q4 2025

Income statement

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Revenue$31.8M+26.1%
Net income$9.9M+75.2%
EPS (diluted)$1.18+71.0%

Balance sheet

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Cash & equivalents$269.6M+65.5%
Total equity$368.7M+11.6%
Total assets$4.4B+7.7%

Cash flow

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Operating cash flow-—
CapEx$272.0K+24.8%
Free cash flow-—

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$421.91M+30.1%
P/E13.9×-7.0×
P/S3.6×+0.1×

Profitability

See full
Net margin25.7%+9.1pp
FCF margin27.3%-1.4pp

Returns & leverage

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Return on equity8.7%+3.9pp

FAQ

When did Southern First Bancshares report Q4 2025 earnings?
Southern First Bancshares (SFST) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Southern First Bancshares's Q4 2025 revenue and EPS?
Southern First Bancshares reported revenue of $31.8M and eps of $1.21 for Q4 2025.
Did Southern First Bancshares beat estimates in Q4 2025?
Revenue missed the consensus estimate of $31.9M by $66.0K. EPS beat the consensus estimate of $1.11 by $0.10.
How did Southern First Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 26.3% from $25.2M a year earlier and eps grew 72.9% from $0.70.
Where can I find Southern First Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001206774-26-000043) and the 10-K periodic report (0001206774-26-000084) directly on SEC EDGAR. The filing index links above go to sec.gov.