Southern First Bancshares, Inc. (SFST) is a Financials stock trading at $63.06 (as of 2026-08-21), with a market capitalization of $597.29M and a trailing P/E of 15.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. 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. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
Southern First Bancshares runs a regional bank that accepts customer deposits (checking, savings, money market accounts, and CDs) and provides loans and mortgage banking services, earning money through its Commercial and Retail Banking, Mortgage Banking, and Corporate Operations segments.
The profit model is driven by managing deposit products and the loan portfolio through Commercial and Retail Banking and Mortgage Banking, then supporting those activities with Corporate Operations.
| C&R Banking | $0.0B |
| Mortgage | $0.0B |
| Corporate Ops | $0.0B |
Business quality (Solid): Useful business and segment descriptions are provided, but segment-level revenue amounts and operational KPIs are not included, and the supplied revenue figure is 0.0B, which limits financial and KPI-based analysis.
Valuation: At 14× earnings, SFST trades 14% above the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $63.06 |
| Market Cap | $597.29M |
| P/E Ratio | 15.1 |
| EV / EBITDA | 4.3 |
| Price / Book | 1.32 |
| Price / Sales | 97.84 |
| FCF Yield | 7.9% |
| DCF Value (model) | $55.38 |
| DCF Upside vs Price | -12.2% |
| Revenue (TTM) | $6.28M |
| Net Margin | 483.4% |
| Revenue Growth (YoY) | -15.7% |
| EPS Growth (YoY) | 50.6% |
| FCF Growth (YoY) | 466.3% |
| Stock P/E | 15.1 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 12.9 |
| vs Sector | -0.4% |
| vs Industry | 16.8% |
| Top Institutional Holder | T. Rowe Price Investment Management, Inc. ($44.57M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | R. Arthur Seaver Jr. |
| Employees | 297 |
| Country | US |
| IPO Date | 1999-10-28 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.