Southern First Bancshares, Inc.
SFSTFinancial ServicesNASDAQBanks - Regional · Last scanned May 28, 2026
Scan Results
Daily timeframe1 of 4 indicators bullish as of May 27
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 $543.7M 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
$543.7M
Beta
0.68
P/E (TTM)
13.50
P/E (Fwd)
8.74
EPS (TTM)
$4.26
EPS (Fwd)
$6.58
ROE
9.8%
ROA
0.8%
Cash
$343.2M
Total Debt
$292.6M
Free CF
—
52W Change
56.6%
Annual Financials
Cash vs Debt
With $343.2M in cash and $292.6M 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 9.8%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Southern First Bancshares, Inc.'s trajectory.