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Southern First Bancshares SFST Gain (Loss) on Sales of Loans, Net

Gain (Loss) on Sales of Loans, Net at other companies

Western New England Bancorp logo
Western New England BancorpWNEB
$4K
First Financial Bancorp logo
First Financial BancorpFFBC
$6.66M-0.4%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$592K-38.5%
John Marshall Bancorp logo
John Marshall BancorpJMSB
$6K-83.3%
First Internet Bancorp logo
First Internet BancorpINBK
$4.69M+180%

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$594.35M+79.8%
P/E15×-0.1×
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:GainLossOnSalesOfLoansNet.

The source filing: Southern First Bancshares’s 10-Q, filed May 1, 2026.

Filed
May 1, 2026, 9:01 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001206774-26-000259
(dollars in thousands)For the three months ended March 31, 2026For the three months ended March 31, 2025
Net change in operating leases13524
Loss on sale of real estate owned38-
Stock-based compensation expense623537
Gain on sale of loans held for sale(1,323)(1,269)
Loans originated and held for sale(51,956)(46,715)
Proceeds from sale of loans held for sale51,12541,025
Increase in cash surrender value of bank owned life insurance(446)(403)
Decrease in deferred tax asset11

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Southern First Bancshares's gain (loss) on sales of loans, net?
Southern First Bancshares (SFST) reported gain (loss) on sales of loans, net of $1.32M in Q1 2026.
How has Southern First Bancshares's gain (loss) on sales of loans, net changed year-over-year?
Southern First Bancshares's gain (loss) on sales of loans, net increased by 4.3% year-over-year, from $1.27M to $1.32M.
What is the long-term trend for Southern First Bancshares's gain (loss) on sales of loans, net?
Over 4 years (2021 to 2025), Southern First Bancshares's gain (loss) on sales of loans, net has grown at a -17.5% compound annual growth rate (CAGR), from $13.68M to $6.34M.
What does gain (loss) on sales of loans, net mean?
The net profit or loss realized from the sale of loans, typically those originated for the secondary market. This metric highlights the bank's ability to generate non-interest income through mortgage banking or loan portfolio management activities.

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