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Southern First Bancshares SFST Real Estate — Total Loan Balances By Payment Amount

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TCBSPercentage Of Loan Secured By Real Estate
$0.91-2.2%
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TCBSPercentage Of Loan Secured By Real Estate
91%-2.0pp
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AUBNPercentage Of Loans Secured By Real Estate
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IBCPPercentage of loan portfolio secured by real estate
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IBCPPercentage of loan portfolio secured by real estate
$0.44-38.6%

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:TotalLoanBalancesByPaymentAmount.

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 balances by age payment status / (dollars in thousands)Accruing 30-59 days past dueAccruing 60-89 days past dueAccruing 90 days or more past dueNonaccrual loansAccruing currentTotal
Construction----69,46369,463
Business855--909675,978677,742
Consumer
Real estate4,311610-5,7861,137,4221,148,129
Home equity652134-745260,999262,530
Construction----33,87933,879
Other104--40,16440,178
Total loans$6,969748-11,4693,923,0333,942,219

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Southern First Bancshares's real estate — total loan balances by payment amount?
Southern First Bancshares (SFST) reported real estate — total loan balances by payment amount of $1.15B in Q1 2026.
How has Southern First Bancshares's real estate — total loan balances by payment amount changed year-over-year?
Southern First Bancshares's real estate — total loan balances by payment amount increased by 0.1% year-over-year, from $1.15B to $1.15B.
What does real estate — total loan balances by payment amount mean?
Measures the total outstanding principal balances of real estate loans categorized by specific payment tiers or structures. This metric provides insight into the composition of the loan portfolio and the distribution of borrower repayment obligations. It helps analysts assess the concentration risk and cash flow characteristics of the real estate lending book.

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