Southern First Bancshares, Inc.
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📈 ZcoreAI Score
Our AI model analyzes Southern First Bancshares, Inc.'s price action across multiple timeframes using regression channels and statistical scoring.
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Financial Services
Banks - Regional
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 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 offers other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
📊 Fundamental Analysis
Southern First Bancshares, Inc. demonstrates a healthy profit margin of 26.4%.
The company recently reported 22.6% revenue growth, which is well above average for the Financial Services sector.
Return on Equity (ROE) is 8.7%, which suggests room for improvement in capital utilization.
At a current price of $58.41, SFST currently trades near the top of its 52-week range (89%) (Range: $30.12 - $62.00).
💰 Valuation Insight
SFST trades at a 30.8% premium to the sector average PE of 12.00. Analysts expect earnings growth, as indicated by a lower forward PE.
🏥 Financial Health
⚠️
Profit Margin
Moderate
✅
Revenue Growth
Excellent
🔴
Return on Equity
Weak
✅
Beta (Risk)
Low Volatility
Key Financials
Market Cap
$481.75M
Trailing P/E
15.70
Forward P/E
9.13
Beta (5Y)
0.74
52W High
$62.00
52W Low
$30.12
Avg Volume
82K
Day High
Day Low