What is Southern First Bancshares's gross loans?

Southern First Bancshares (SFST) reported gross loans of $3.9B in Q1 2026.

How has Southern First Bancshares's gross loans changed year-over-year?

Southern First Bancshares's gross loans increased by 7.0% year-over-year, from $3.64B to $3.9B.

What is the long-term trend for Southern First Bancshares's gross loans?

Over 4 years (2021 to 2025), Southern First Bancshares's gross loans has grown at a 11.9% compound annual growth rate (CAGR), from $2.42B to $3.8B.

What does gross loans mean?

Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.

Southern First Bancshares SFST Gross loans

Gross loans at other companies

Bank of AmericaBAC

$1.21T+8.5%

Wells Fargo & CompanyWFC

$2.81B-61.0%

Truist FinancialTFC

$329.24B—

SouthStateSSB

$49.5B+5.8%

Southside BancsharesSBSI

$4.95B+8.3%

Shore BancsharesSHBI

$4.85B+1.5%

Segments

By product

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Real Estate$5.79M+140%

Owner Occupied Re$2.32M—

Non Owner Occupied Re$1.71M-75.4%

Business$909K-16.4%

Home Equitys$745K+140%

Other financials

Income statement

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Revenue$33.8M+27.6%

Net income$9.9M+87.8%

EPS (diluted)$1.19+83.1%

Balance sheet

See full

Cash & equivalents$342.8M+1,276%

Total debt$22.1M-6.3%

Total equity$379.4M+12.4%

Total assets$4.6B+6.9%

Cash flow

See full

Operating cash flow$10.8M+42.1%

CapEx$280.0K+98.6%

Free cash flow$10.5M+41.0%

Valuation

See full

Market cap$561.16M+93.1%

P/E16×+0.1×

P/S4.5×+1.5×

Profitability

See full

Net margin27.9%+9.4pp

FCF margin28.1%-9.9pp

Returns & leverage

See full

Return on equity9.8%+4.2pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by Southern First Bancshares in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableNet.

The official record: Southern First Bancshares’s 10-Q, filed May 1, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Southern First Bancshares's gross loans?: Southern First Bancshares (SFST) reported gross loans of $3.9B in Q1 2026.
How has Southern First Bancshares's gross loans changed year-over-year?: Southern First Bancshares's gross loans increased by 7.0% year-over-year, from $3.64B to $3.9B.
What is the long-term trend for Southern First Bancshares's gross loans?: Over 4 years (2021 to 2025), Southern First Bancshares's gross loans has grown at a 11.9% compound annual growth rate (CAGR), from $2.42B to $3.8B.
What does gross loans mean?: Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.