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Southern First Bancshares SFST Construction — Total Consumer

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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 SFST:TotalConsumer.

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 construction — total consumer?
Southern First Bancshares (SFST) reported construction — total consumer of $33.88M in Q1 2026.
How has Southern First Bancshares's construction — total consumer changed year-over-year?
Southern First Bancshares's construction — total consumer increased by 43.9% year-over-year, from $23.54M to $33.88M.
What is the long-term trend for Southern First Bancshares's construction — total consumer?
Over 2 years (2023 to 2025), Southern First Bancshares's construction — total consumer has grown at a -36.9% compound annual growth rate (CAGR), from $249.74M to $99.59M.
What does construction — total consumer mean?
Represents the total outstanding loan balance for consumer-focused construction projects, such as residential home building or renovation loans. This metric tracks the bank's retail exposure to individual construction financing. It helps investors assess the bank's participation in the housing market and consumer credit risk.