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Southern First Bancshares SFST Owner Occupied Re — Total Commercial

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FNLCConstruction And Non Owner Occupied Commercial Real Estate Loans Portfolio To Company Capital
$1.91-12.6%
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FNLCConstruction loans and non-owner-occupied commercial real estate loans, percent of capital
190.7%-27.4pp
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FNLCConstruction loans and non-owner-occupied commercial real estate loans, maximum percent of capital
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FNLCConstruction And Non Owner Occupied Commercial Real Estate Loans Maximum Loan Portfolio To Company Capital
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SIGICommercial automobile — Total
$5.09B+14.4%
Loar Holdings logo
LOARTotal Commercial — Revenue
$116.82M+38.3%

Other financials

Income statement

See full
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

See full
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:TotalCommercial.

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
Commercial
Owner occupied RE$47,092339,455355,43917,616759,602
Non-owner occupied RE148,056614,369170,88717,384950,696
Construction18,30333,88017,280-69,463
Business146,960380,513147,0123,257677,742
Total commercial loans360,4111,368,217690,61838,2572,457,503
Consumer
Real estate20,294108,747215,375803,7131,148,129

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

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.

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