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Southern First Bancshares SFST Business — Total Commercial

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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+79.8%
P/E15.2×-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 SFST:TotalCommercial.

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
Schedule of loan maturity distribution by type and related interest rate / (dollars in thousands)One year or lessAfter one but within five yearsMarch 31, 2026 / After five but within fifteen yearsMarch 31, 2026 / After fifteen yearsMarch 31, 2026 / Total
Owner occupied RE$47,092339,455355,43917,616759,602
Non-owner occupied RE148,056614,369170,88717,384950,696
Construction18,30333,88017,280-69,463
Business146,960380,513147,0123,257677,742
Total commercial loans360,4111,368,217690,61838,2572,457,503
Consumer
Real estate20,294108,747215,375803,7131,148,129
Home equity5,81934,243218,4434,025262,530

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Southern First Bancshares's business — total commercial?
Southern First Bancshares (SFST) reported business — total commercial of $677.74M in Q1 2026.
How has Southern First Bancshares's business — total commercial changed year-over-year?
Southern First Bancshares's business — total commercial increased by 20.7% year-over-year, from $561.34M to $677.74M.
What is the long-term trend for Southern First Bancshares's business — total commercial?
Over 2 years (2023 to 2025), Southern First Bancshares's business — total commercial has grown at a 8.8% compound annual growth rate (CAGR), from $2.01B to $2.38B.
What does business — total commercial mean?
This metric represents the aggregate outstanding balance of all commercial lending products within the business segment. It serves as a primary indicator of the bank's exposure to corporate and small business credit markets.

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