Southern First Bancshares Inc (SFST)


Southern First Bancshares, Inc. is a bank holding company whose common stock is listed on NASDAQ under the symbol SFST. Through Southern First Bank, the company serves customers in South Carolina, North Carolina, and Georgia with a range of banking activities centered on lending and deposits. Its lending portfolio includes commercial real estate, construction real estate, commercial business, consumer real estate, home equity, and other consumer loans, including installment and revolving credit products. On the deposit side, the bank provides checking, commercial checking, savings, money market, and certificates of deposit. Southern First Bancshares also offers related banking services such as internet and mobile banking, cash management, bill payment, direct deposit, automatic drafts, and safe deposit boxes. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-SFST
$47.88
-20.6% Downside
Overvalued
$66.50
10.3% Upside
Fair
Fair
0.0%
July 28, 2026
16.2x
1.5x
4.6x
580.5 M
33.5%
79.8%
-1.4
94.1%
Valuation • Fair Value

Southern First Bancshares Inc (NASDAQ-SFST) Fair Value by Valuation Model

Compare the primary fair value estimate for Southern First Bancshares Inc (NASDAQ-SFST) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$47.88

Estimated downside of 20.6% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$41.06

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$47.88

Comparable-company valuation reference.

Analyst Price Target

$66.50

Analysts imply upside of 10.3%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Southern First Bancshares Inc (NASDAQ-SFST) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Southern First Bancshares Inc (NASDAQ-SFST)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

121.9 M

Current operating scale indicator.

Revenue Forecast

148.7 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Southern First Bancshares Inc (NASDAQ-SFST) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Southern First Bancshares Inc (NASDAQ-SFST)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.4

Lower score that deserves closer risk review.

FCF / Net Income

94.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Southern First Bancshares Inc (NASDAQ-SFST). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Southern First Bancshares Inc (NASDAQ-SFST)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 28, 2026

Days to Earnings

7

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Southern First Bancshares Inc (NASDAQ-SFST), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Southern First Bancshares Inc (NASDAQ-SFST) Stock Forecast & Technical Outlook

Review Southern First Bancshares Inc (NASDAQ-SFST) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Sell

The 15-minute technical read for Southern First Bancshares Inc (NASDAQ-SFST) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Southern First Bancshares Inc (NASDAQ-SFST) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Southern First Bancshares Inc (NASDAQ-SFST) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Southern First Bancshares Inc (NASDAQ-SFST) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Southern First Bancshares Inc (NASDAQ-SFST) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Southern First Bancshares Inc (NASDAQ-SFST)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Southern First Bancshares Inc (NASDAQ-SFST) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ Fast Investor Answers

Southern First Bancshares Inc (NASDAQ-SFST) Stock FAQ

Quick answers about Southern First Bancshares Inc (NASDAQ-SFST) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$47.88
Estimated downside 20.6%
Valuation Rating
Overvalued
Estimated downside of 20.6%
Analyst Target
$66.50
Implied upside 10.3%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Southern First Bancshares Inc (NASDAQ-SFST) is $47.88. This implies an estimated downside of 20.6% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 20.6% versus the current market price.

The available analyst price target for Southern First Bancshares Inc (NASDAQ-SFST) is $66.50. The analyst target implies estimated upside of 10.3%.

The current financial health read for Southern First Bancshares Inc (NASDAQ-SFST) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Southern First Bancshares Inc (NASDAQ-SFST) is July 28, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for Southern First Bancshares Inc (NASDAQ-SFST) is 16.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Southern First Bancshares Inc is 580.5 M.

The ticker symbol for Southern First Bancshares Inc is NASDAQ-SFST, and the stock is listed on NASDAQ.

Southern First Bancshares Inc (NASDAQ-SFST) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Southern First Bancshares Inc is 33.5%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Southern First Bancshares Inc is 79.8%. Free float helps investors understand how much of the share base is available for public trading.