Southern 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 company carries a $588.1M market cap, placing it firmly in the small-cap category. 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.
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The balance sheet looks solid with $343.2M in cash comfortably exceeding the $292.6M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 9.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.8% 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).
With a beta below 0.7, Southern First Bancshares, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. No single metric tells the full story. Reviewing SFST's risk profile alongside its fundamentals and technical indicators provides a more complete picture.