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Discontinued — last reported Q3 '25

Total debt at other companies

Bank of America logo
Bank of AmericaBAC
$339.86B+5.4%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$211.45B-42.6%
Truist Financial logo
Truist FinancialTFC
$69.86B+12.0%
SouthState logo
SouthStateSSB
$520.49M+6.6%
Southside Bancshares logo
Southside BancsharesSBSI
$1.22B+79.3%
Shore Bancshares logo
Shore BancsharesSHBI
$10.2M-11.6%

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 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+81.5%
P/E15.2×0.0×
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

Computed from long term debt + current portion long term debt + short term borrowings + operating lease liabilities + finance lease liabilities + financing obligations: $22.1M.

The source filing: Southern First Bancshares’s 10-Q, filed October 31, 2025. Open the filing →

Filed
Oct 31, 2025
Fiscal quarter
Q3 FY2025
Calendar quarter
Q3 2025
Accession
0001206774-25-000738

FAQ

What is Southern First Bancshares's total debt?
Southern First Bancshares (SFST) reported total debt of $22.1M in Q3 2025.
How has Southern First Bancshares's total debt changed year-over-year?
Southern First Bancshares's total debt decreased by 6.3% year-over-year, from $23.59M to $22.1M.
What is the long-term trend for Southern First Bancshares's total debt?
Over 2 years (2020 to 2022), Southern First Bancshares's total debt has grown at a 15.0% compound annual growth rate (CAGR), from $19.5M to $25.8M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.

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