What does home equitys — change in accounting estimates mean?

The financial impact resulting from revisions to assumptions or methodologies used to estimate credit losses or asset valuations within the home equity segment. Such changes reflect management's updated outlook on portfolio performance and economic conditions.

Southern First Bancshares SFST Home Equitys — Change In Accounting Estimates

Similar metrics at other companies

RWTHome equity investments

$341.1M-43.2%

MTBHome equity lines of credit

$7.91B-0.3%

AIOTTemporary Equity, Other Changes

-$841K—

ALLYHome equity lines of credit

$97M-16.4%

COLBIncrease (Decrease) in Equity Securities

$11M-8.3%

RWTLegacy Investments — Home equity investments

$322M—

Other financials

Income statement

See full

Revenue$33.8M+27.6%

Net income$9.9M+87.8%

EPS (diluted)$1.19+83.1%

Balance sheet

See full

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

See full

Operating cash flow$10.8M+42.1%

CapEx$280.0K+98.6%

Free cash flow$10.5M+41.0%

Valuation

See full

Market cap$561.16M+93.1%

P/E16×+0.1×

P/S4.5×+1.5×

Profitability

See full

Net margin27.9%+9.4pp

FCF margin28.1%-9.9pp

Returns & leverage

See full

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:ChangeInAccountingEstimates.

The official record: Southern First Bancshares’s 10-K, filed February 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Southern First Bancshares's home equitys — change in accounting estimates?: Southern First Bancshares (SFST) reported home equitys — change in accounting estimates of -$308K in Q4 2025.
What does home equitys — change in accounting estimates mean?: The financial impact resulting from revisions to assumptions or methodologies used to estimate credit losses or asset valuations within the home equity segment. Such changes reflect management's updated outlook on portfolio performance and economic conditions.