SOUTHERN FIRST BANCSHARES INC (SFST)
Financials · Community banking / regional commercial banking · NASDAQ
Southern First Bank is a Southeast regional community bank built on relationship banking serving mid-market commercial and consumer clients across high-growth markets in the Carolinas and Georgia.
What SOUTHERN FIRST BANCSHARES INC does
Southern First Bancshares is a bank holding company for Southern First Bank, a South Carolina state bank with retail offices across the Greenville, Columbia, and Charleston markets of South Carolina, as well as offices in Raleigh, Greensboro, and Charlotte in North Carolina, and Atlanta, Georgia. The company provides commercial, consumer, and mortgage loan services, accepts demand and savings deposits insured by the FDIC, and operates through a "ClientFIRST" relationship banking model focused on core banking products and client service.
Themes: ["community banking","relationship banking","regional banking - Southeast","mortgage lending","deposit gathering"]
Fundamentals
- Price$60.88 as of 2026-07-09 close
- Market cap$564M as of 2026-07-10
- 1-year return+50.2% as of 2026-07-09 close
- P/E16.13 as of 2026-07-10
- Net margin+16.0% as of 2026-07-10
- ROE+9.7% as of 2026-07-10
- Debt / equity0.07 as of 2026-07-10
- Revenue growth (YoY)+53.1% as of 2026-07-10
- Beta0.69 as of 2026-07-10
Key risks (from latest filing)
["Credit loss provision expenses increasing year-over-year (provision for credit losses $1.3M in Q1 2026 vs $750K in Q1 2025), indicating potential deterioration in loan quality","Net interest margin compression from interest expense management pressures, with deposit funding costs remaining elevated despite some improvement","Geographic concentration risk in Southeast markets (South Carolina, North Carolina, Georgia) with significant exposure to regional economic conditions"]
Competitors & peers
- CommunityOne Bancorp
- FirstBank (FB) / First Horizon National
- Renasant Bank
- ServisFirst Bancshares
- Independent Bank Group
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.