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Southern First Bancshares Inc
Southern First Bancshares Inc (SFST) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Greenville, United States and has 315 employees. The company is worth $566.51M and trades at 12.9x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $118.09M in fiscal 2025, up 26.5% from the year before. Net income was $30.37M. The share price is 8.1% below its 52-week high of $65.09. 6 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Renaissance Technologies, at $11.38M. In that quarter, 4 of them opened or added to the position. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +2.2% over 5Y.
today you would have $1,110.27▲ +11.0%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $51.52 | $39.75 | $37.10 | $45.75 | $62.49 | $35.35 | $42.49 | $32.07 | $41.25 | $36.00 | $22.70 | $17.02 | $13.28 | $8.45 | $5.91 | $5.60 | $4.96 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 9.7% a year plus a 0.0% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 14.9 across this company’s own years on record.
Cash flow growing 9.7% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| UNTYUnity Bancorp Inc | $56.40 | 9.3x | 1.5x | 1.21% | 17.05% | $567.84M |
| CRD.BCrawford & Co | $12.04 | 25.6x | 3.1x | 2.57% | 13.03% | $573M |
| CIVBCivista Bancshares Inc | $26.85 | 10.0x | 1.0x | 2.68% | 11.19% | $558.33M |
| CXIIChurchill Capital Corp XII |
| 14.9x |
| 13.8x |
| 20.8x |
| 22.3x |
| 12.7x |
| 10.7x |
| 15.1x |
| 11.9x |
| 11.1x |
| 23.4x |
| 18.6x |
| 14.6x |
| 15.5x |
| 13.6x |
| 13.2x |
| 26.9x |
| — |
| 77.9x |
| P/S | 3.4x | 3.6x | 3.5x | 3.5x | 3.4x | 4.8x | 2.6x | 4.0x | 3.4x | 5.0x | 4.3x | 3.1x | 2.7x | 1.9x | 1.2x | 0.9x | 1.0x | 947.2x |
| P/B | 1.3x | 1.2x | 1.0x | 1.0x | 1.3x | 1.8x | 1.2x | 1.6x | 1.4x | 2.0x | 2.1x | 1.5x | 1.3x | 1.0x | 0.6x | 0.4x | 0.4x | 339.8x |
| EPS | $3.72 | $1.91 | $1.66 | $3.61 | $5.85 | $2.34 | $3.58 | $2.88 | $1.76 | $1.94 | $1.55 | $1.10 | $0.98 | $0.64 | $0.22 | -$0.06 | $0.06 |
| Profit margin | 17.10% | 25.71% | 16.63% | 15.34% | 27.16% | 44.56% | 17.10% | 33.87% | 31.68% | 21.66% | 24.21% | 21.66% | 17.07% | 15.60% | 12.98% | 8.01% | 3.83% | 6.61% |
| ROE | 8.03% | 8.24% | 4.70% | 4.30% | 9.89% | 16.81% | 8.03% | 13.53% | 12.82% | 8.71% | 11.86% | 10.79% | 7.98% | 7.80% | 6.02% | 3.34% | 1.50% | 2.37% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
+24.7% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $10.35 |
| — |
| 1.4x |
| 0.00% |
| — |
| $574.94M |
| BWBBridgewater Bancshares Inc | $20.67 | 10.3x | 1.2x | 0.00% | 11.51% | $576.36M |
| ABTCAmerican Bitcoin Corp. | $7.95 | — | 0.9x | 0.00% | -38.53% | $578.92M |
