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Southern First Bancshares SFST Home Equitys — Total Consumer

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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:TotalConsumer.

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 maturity distribution by type and related interest rate / (dollars in thousands)One year or lessAfter one but within five yearsMarch 31, 2026 / After five but within fifteen yearsMarch 31, 2026 / After fifteen yearsMarch 31, 2026 / Total
Total commercial loans360,4111,368,217690,61838,2572,457,503
Consumer
Real estate20,294108,747215,375803,7131,148,129
Home equity5,81934,243218,4434,025262,530
Construction27,0372,0454,797-33,879
Other8,87826,3594,30263940,178
Total consumer loans62,028171,394442,917808,3771,484,716
Total gross loans, net of deferred fees$422,4391,539,6111,133,535846,6343,942,219

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Southern First Bancshares's home equitys — total consumer?
Southern First Bancshares (SFST) reported home equitys — total consumer of $262.53M in Q1 2026.
How has Southern First Bancshares's home equitys — total consumer changed year-over-year?
Southern First Bancshares's home equitys — total consumer increased by 17.7% year-over-year, from $223.06M to $262.53M.
What is the long-term trend for Southern First Bancshares's home equitys — total consumer?
Over 2 years (2023 to 2025), Southern First Bancshares's home equitys — total consumer has grown at a 13.8% compound annual growth rate (CAGR), from $730.42M to $946.35M.
What does home equitys — total consumer mean?
Represents the total outstanding balance of consumer-focused home equity loan products within the specified segment. This metric reflects the bank's exposure to retail borrowers using their residential property as collateral.

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