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Southern First Bancshares SFST Owner Occupied Re — Total Commercial

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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

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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 SFST:TotalCommercial.

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 owner occupied re — total commercial?
Southern First Bancshares (SFST) reported owner occupied re — total commercial of $759.6M in Q1 2026.
How has Southern First Bancshares's owner occupied re — total commercial changed year-over-year?
Southern First Bancshares's owner occupied re — total commercial increased by 12.7% year-over-year, from $673.87M to $759.6M.
What is the long-term trend for Southern First Bancshares's owner occupied re — total commercial?
Over 2 years (2023 to 2025), Southern First Bancshares's owner occupied re — total commercial has grown at a 5.9% compound annual growth rate (CAGR), from $2.5B to $2.8B.
What does owner occupied re — total commercial mean?
Represents the aggregate outstanding balance of commercial real estate loans where the borrower occupies the property for their own business operations. This metric provides insight into the bank's exposure to owner-occupied commercial properties within its lending portfolio. It is a key indicator of the bank's concentration in business-related real estate lending.