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Southern First Bancshares SFST Business — Provision For Loan Lease And Other Losses

Other product segments

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
-$63K-243%

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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

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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

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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$561.16M+93.1%
P/E16×+0.1×
P/S4.5×+1.5×

Profitability

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Net margin27.9%+9.4pp
FCF margin28.1%-9.9pp

Returns & leverage

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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 business — provision for loan lease and other losses?
Southern First Bancshares (SFST) reported business — provision for loan lease and other losses of $1.34M in Q1 2026.
How has Southern First Bancshares's business — provision for loan lease and other losses changed year-over-year?
Southern First Bancshares's business — provision for loan lease and other losses decreased by 60.6% year-over-year, from $3.4M to $1.34M.
What does business — provision for loan lease and other losses mean?
This represents the periodic expense charged to the income statement to maintain the allowance for loan and lease losses at an appropriate level. It reflects management's current expectations regarding future credit defaults and economic conditions.