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Southern First Bancshares SFST Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

SouthState logo
SouthStateSSB
$560.03M-1.8%
Southside Bancshares logo
Southside BancsharesSBSI
$57.25M+6.7%
Shore Bancshares logo
Shore BancsharesSHBI
$52.02M+13.8%
Eagle Bancorp logo
Eagle BancorpEGBN
$40.89M+157%
Western New England Bancorp logo
Western New England BancorpWNEB
$17.76M-2.7%
Bank First Corporation logo
Bank First CorporationBFC
$55.03M+50.8%

Other financials

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 debt$22.1M-6.3%
Total equity$452.3M+30.9%
Total assets$4.7B+9.1%

Cash flow

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Operating cash flow$10.8M+42.1%
CapEx$280.0K+98.6%
Free cash flow$10.5M+41.0%

Valuation

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Market cap$599.85M+81.5%
P/E15.2×0.0×
P/S4.5×+1.3×

Profitability

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Net margin29.9%+8.9pp
FCF margin28.1%-9.9pp

Returns & leverage

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Return on equity9.9%+3.3pp
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:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Southern First Bancshares’s 8-K, filed July 21, 2026. Open the filing →

Filed
Jul 21, 2026, 8:30 AM EDT
Accession
0001206774-26-000359

FAQ

What is Southern First Bancshares's net interest income (after provisions)?
Southern First Bancshares (SFST) reported net interest income (after provisions) of $31.35M in Q2 2026.
How has Southern First Bancshares's net interest income (after provisions) changed year-over-year?
Southern First Bancshares's net interest income (after provisions) increased by 27.4% year-over-year, from $24.6M to $31.35M.
What is the long-term trend for Southern First Bancshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), Southern First Bancshares's net interest income (after provisions) has grown at a 0.5% compound annual growth rate (CAGR), from $100.13M to $102M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for loan and lease losses, which represents the bank's estimate of potential credit defaults. This metric provides a more accurate view of the bank's net earnings power after accounting for the inherent credit risk in its loan portfolio.

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