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Southern First Bancshares SFST Home Equitys — Financing Receivable Allowance For Credit Losses

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ESQLoans Receivable Allowance For Loan Losses
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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

See full
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 us-gaap:FinancingReceivableAllowanceForCreditLosses.

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 home equitys — financing receivable allowance for credit losses?
Southern First Bancshares (SFST) reported home equitys — financing receivable allowance for credit losses of $2.45M in Q1 2026.
How has Southern First Bancshares's home equitys — financing receivable allowance for credit losses changed year-over-year?
Southern First Bancshares's home equitys — financing receivable allowance for credit losses increased by 58.3% year-over-year, from $1.55M to $2.45M.
What is the long-term trend for Southern First Bancshares's home equitys — financing receivable allowance for credit losses?
Over 3 years (2022 to 2025), Southern First Bancshares's home equitys — financing receivable allowance for credit losses has grown at a -11.0% compound annual growth rate (CAGR), from $9.64M to $6.79M.
What does home equitys — financing receivable allowance for credit losses mean?
The contra-asset account representing the estimated amount of credit losses expected over the life of the home equity loan portfolio. This reserve is essential for assessing the bank's management of credit risk and adherence to accounting standards for loan loss provisioning.