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Discontinued — last reported Q3 '25

Total debt at other companies

SouthState logo
SouthStateSSB
$520.49M+6.6%
Southside Bancshares logo
Southside BancsharesSBSI
$538.23M-31.0%
Shore Bancshares logo
Shore BancsharesSHBI
$10.61M-12.9%
Bank of America logo
Bank of AmericaBAC
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
Truist Financial logo
Truist FinancialTFC

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 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

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

The official record: Southern First Bancshares’s 10-Q, filed October 31, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

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.