Southern First Bancshares, Inc.
SFSTFinancial ServicesNASDAQBanks - Regional
Scan Results
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 company carries a $594.9M 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.
Market Cap
$594.9M
Beta
0.67
P/E (TTM)
13.51
P/E (Fwd)
10.17
EPS (TTM)
$4.65
EPS (Fwd)
$6.17
ROE
9.9%
ROA
0.9%
Cash
$361.8M
Total Debt
$280.3M
Free CF
—
52W Change
43.8%
Annual Financials
Cash vs Debt
Where SFST stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, SFST finished 4.00% above its 150-day moving average ($58.45) and 6.69% above its 200-day moving average ($56.98). 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 September 2, 2026 close, SFST's RSI(14) was 23.6, in oversold territory (below 30). 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.
With $361.8M in cash and $280.3M in debt, SFST maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 9.9%, 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).
The relatively low beta of 0.67 suggests SFST is a less volatile holding compared to the broader index. No single metric tells the full story. Reviewing SFST's risk profile alongside its fundamentals and technical indicators provides a more complete picture.