What is the long-term trend for Southern First Bancshares's provision for loan, lease, and other losses?

Over 2 years (2021 to 2025), Southern First Bancshares's provision for loan, lease, and other losses has grown at a -51.2% compound annual growth rate (CAGR), from -$12.4M to $2.95M.

Southern First Bancshares SFST Provision for Loan, Lease, and Other Losses

Provision for Loan, Lease, and Other Losses at other companies

Wells Fargo & CompanyWFC

$1.14B+21.8%

Truist FinancialTFC

$479M+4.6%

Eagle BancorpEGBN

——

Bank First CorporationBFC

——

Simmons First NationalSFNC

——

First Financial BancorpFFBC

——

Segments

By product

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Business$1.34M-60.6%

Non Owner Occupied Re-$902K+68.7%

Home Equitys$623K+156%

Owner Occupied Re-$451K+70.9%

Real Estate$448K-84.2%

Construction$371K-0.3%

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:ProvisionForLoanLeaseAndOtherLosses.

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 provision for loan, lease, and other losses?: Southern First Bancshares (SFST) reported provision for loan, lease, and other losses of $1.3M in Q1 2026.
How has Southern First Bancshares's provision for loan, lease, and other losses changed year-over-year?: Southern First Bancshares's provision for loan, lease, and other losses increased by 73.3% year-over-year, from $750K to $1.3M.
What is the long-term trend for Southern First Bancshares's provision for loan, lease, and other losses?: Over 2 years (2021 to 2025), Southern First Bancshares's provision for loan, lease, and other losses has grown at a -51.2% compound annual growth rate (CAGR), from -$12.4M to $2.95M.