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Southern First Bancshares (SFST) Key Ratios

Stock Card factsheet share-fund-plan-icon

$63.68

up-down-arrow $0.79 (1.26%)

As on 04-Sep-2026 16:01EDT

Market cap

info icon

$603 Mln

Revenue (TTM)

info icon

$212 Mln

P/E Ratio

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13.5

P/B Ratio

info icon

1.3

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 82.37 10.76 -2.31 10.76 15.98
EBIT -- -- 30.08 13.50 -2.16
Net Profit 13.23 70.11 81.19 27.59 4.68
EPS 0.76 48.48 73.73 25.59 3.28
Book Value -- -- 11.48 -52.79 -32.00
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 12.0924.2517.2917.639.33
Net Margin info ----18.71----
Return on equity info 4.743.389.658.694.83
Return on Capital info 2.702.14--4.942.55
Return on Assets info 0.480.810.870.720.38
Debt to Equity (x) info ----0.560.720.80

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
--
4.94
2.55
0.62
0.88
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

9.65

Lower than Peers by 0.24

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
9.65
8.69
4.83
0.71
0.91
Peer Median
9.89
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

0.87

Lower than Peers by 0.10

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
0.87
0.72
0.38
0.35
0.88
Peer Median
0.96
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

17.29

Lower than Peers by 3.56

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
17.29
17.63
9.33
9.30
29.86
Peer Median
20.85
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

18.71

Lower than Peers by 1.40

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
18.71
13.52
7.28
7.16
22.81
Peer Median
20.11
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

Higher than Peers by 0.00

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
0.00
--
--
--
--
Peer Median
0.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-2.31

Lower than Peers by 13.41

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
-2.31
0.05
0.14
0.47
0.16
Peer Median
11.10
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

30.08

Higher than Peers by 41.58

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
30.08
98.90
14.26
-54.28
-37.32
Peer Median
-11.50
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

81.19

Higher than Peers by 73.92

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
81.19
95.53
15.67
-53.89
-37.67
Peer Median
7.27
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

73.73

Higher than Peers by 67.88

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
73.73
0.95
0.15
-0.54
-0.38
Peer Median
5.84
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

14.27

Higher than Peers by 5.53

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
14.27
--
--
--
--
Peer Median
8.74
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

0.56

Higher than Peers by 0.35

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
0.56
0.72
0.80
1.00
0.06
Peer Median
0.21
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.00

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
0.00
--
0.01
0.01
0.05
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

27.12

Higher than Peers by 26.81

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
27.12
0.02
0.01
0.01
0.05
Peer Median
0.30
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

27.12

Higher than Peers by 26.76

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
27.12
--
--
--
--
Peer Median
0.36
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.49

Lower than Peers by 0.26

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
1.49
0.37
0.17
0.17
1.90
Peer Median
1.75
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

--

--

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
--
5.25
--
--
--
Peer Median
6.93
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.05

Lower than Peers by 0.00

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
0.05
0.05
0.05
0.05
0.04
Peer Median
0.05
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
--
19.19
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
--
--
--
11,310.26
39,721.36
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

13.49

Higher than Peers by 0.55

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
13.49
13.78
20.78
22.33
12.68
Peer Median
12.95
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.27

Lower than Peers by 0.05

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
1.27
1.14
0.98
0.96
0.11
Peer Median
1.32
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
--
--
--
--
--
Peer Median
2.45
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
--
13.47
22.36
25.39
7.75
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

603

Higher than Peers by 286

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Southern First Bancshares (SFST)
603
--
--
--
--
Peer Median
317
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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