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Southern First Bancshares SFST Home Equity Loan — Inventory Real Estate

Other product segments

Real Estate
$6.32M+162%
Business
$809K-25.6%

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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 us-gaap:InventoryRealEstate.

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 analysis of collateral-dependent loans / (dollars in thousands)Real / estateMarch 31, 2026 / Business / assetsMarch 31, 2026 / Total
Non-owner occupied RE1,712-1,712
Business163646809
Total commercial4,7138975,610
Consumer
Real estate6,318-6,318
Home equity745-745
Total consumer7,063-7,063
Total collateral dependent loans$11,77689712,673

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Southern First Bancshares's home equity loan — inventory real estate?
Southern First Bancshares (SFST) reported home equity loan — inventory real estate of $745K in Q1 2026.
How has Southern First Bancshares's home equity loan — inventory real estate changed year-over-year?
Southern First Bancshares's home equity loan — inventory real estate increased by 140.3% year-over-year, from $310K to $745K.
What is the long-term trend for Southern First Bancshares's home equity loan — inventory real estate?
Over 2 years (2023 to 2025), Southern First Bancshares's home equity loan — inventory real estate has grown at a 64.1% compound annual growth rate (CAGR), from $902K to $2.43M.
What does home equity loan — inventory real estate mean?
This metric tracks the total outstanding balance or volume of home equity loans held within the bank's loan portfolio. It serves as a measure of the bank's concentration and growth in the home equity lending market. Changes in this inventory reflect the bank's appetite for consumer real estate-secured lending.

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