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Southern First Bancshares SFST Construction — Total Loan Balances By Payment Amount

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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:TotalLoanBalancesByPaymentAmount.

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 balances by age payment status / (dollars in thousands)Accruing 30-59 days past dueAccruing 60-89 days past dueAccruing 90 days or more past dueNonaccrual loansAccruing currentTotal
Commercial
Owner occupied RE$869--2,317756,416759,602
Non-owner occupied RE272--1,712948,712950,696
Construction----69,46369,463
Business855--909675,978677,742
Consumer
Real estate4,311610-5,7861,137,4221,148,129
Home equity652134-745260,999262,530

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Southern First Bancshares's construction — total loan balances by payment amount?
Southern First Bancshares (SFST) reported construction — total loan balances by payment amount of $69.46M in Q1 2026.
How has Southern First Bancshares's construction — total loan balances by payment amount changed year-over-year?
Southern First Bancshares's construction — total loan balances by payment amount decreased by 22.8% year-over-year, from $90.02M to $69.46M.
What does construction — total loan balances by payment amount mean?
The aggregate value of construction loans categorized by their specific payment structures or installment amounts. This metric provides insight into the cash flow characteristics and repayment schedules of the construction loan portfolio. It is used to evaluate the liquidity profile and expected repayment timing of the bank's construction assets.

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