Southern First Bancshares, Inc.
SFSTFinancial ServicesNASDAQBanks - Regional
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Daily timeframeSouthern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The $579.7M market capitalization puts SFST squarely in small-cap range for its industry. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit.
Market Cap
$579.7M
Beta
0.72
P/E (TTM)
12.62
P/E (Fwd)
9.91
EPS (TTM)
$4.85
EPS (Fwd)
$6.17
ROE
10.5%
ROA
0.9%
Cash
$399.5M
Total Debt
$253.4M
Free CF
—
52W Change
44.9%
Annual Financials
Cash vs Debt
Where SFST stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, SFST finished 0.45% below its 150-day moving average ($59.40) and 1.09% above its 200-day moving average ($58.49). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is SFST overbought or oversold?
At the October 20, 2026 close, SFST's RSI(14) was 47.0, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Southern First Bancshares, Inc. holds $399.5M in cash against $253.4M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 10.5%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $107.6M (2022) to $118.1M (2025).
As with any equity investment, SFST carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Southern First Bancshares, Inc. and its sector.