SFST Company Profile and Key Details

Q: Who are the executives of SFST?

Ms. Silvia T. KingChief HR OfficerMr. William M. Aiken IIISenior EVice President & Chief Risk OfficerMr. R. Arthur Seaver Jr.Chief Executive Officer & DirectorMr. Michael D. DowlingExecutive Vice President, Chief Operating Officer & Chief Financial OfficerMr. Frederick Gilmer IIIExecutive Vice President of Southern First Bank and Senior Lending Officer of Southern First BankMr. Lenwood B. HowellExecutive Vice President & Exec. VP of Southern First BankMr. Christopher P. ShugartExecutive Vice President & Chief Mortgage OfficerJulie A. FairchildCorporation Sec.Mr. Calvin C. HurstPresMr. David Andrew BorrmannChief Financial Officer & Executive Vice President

NASDAQ : SFST

Southern First Bancshares

$55.25

0.3+0.55%

At Close 4:00 PM

91.68

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Southern First Bancshares, Inc. (SFST) stock surged +0.55%, trading at $55.25 on NASDAQ, up from the previous close of $54.95. The stock opened at $54.42, fluctuating between $54.09 and $55.66 in the recent session.

Stock Snapshot

54.95

Prev. Close

454.77M

Market Cap

54.09

Day Low

14.85

P/E Ratio

3.72

EPS (TTM)

1.78

Cash Flow per Share

54.42

Open

8.23M

Number of Shares

55.66

Day High

76.92%

Free Float in %

38.87

Book Value

118.24K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Apr 02, 2026	54.39	55.66	54.09	55.25	119.54K
Apr 01, 2026	54.76	55.86	54.71	54.95	110.11K
Mar 31, 2026	54.23	55.39	53.70	54.50	167.45K
Mar 30, 2026	54.05	54.34	53.11	53.87	192.04K
Mar 27, 2026	53.36	53.90	53.25	53.48	42.08K
Mar 25, 2026	53.99	54.64	51.50	53.30	94.55K
Mar 24, 2026	52.89	54.23	51.83	53.46	63.81K
Mar 23, 2026	53.01	54.33	51.74	53.36	71.56K
Mar 20, 2026	52.06	52.75	50.96	51.94	151.63K
Mar 19, 2026	50.74	52.30	50.54	51.81	159.81K
Mar 18, 2026	51.90	52.21	50.88	51.26	51.54K
Mar 17, 2026	52.70	52.84	51.86	52.01	75K
Mar 16, 2026	52.08	52.89	51.28	52.20	71.3K
Mar 13, 2026	53.08	53.44	51.32	51.70	69.48K
Mar 12, 2026	52.07	53.57	50.55	52.87	177.84K
Mar 11, 2026	53.04	53.40	52.10	52.39	79.9K
Mar 10, 2026	52.81	54.45	51.44	53.25	119.06K
Mar 09, 2026	51.57	52.72	50.49	52.60	74.3K
Mar 06, 2026	52.43	52.83	51.05	52.46	86.07K
Mar 03, 2026	54.91	55.93	53.70	55.16	95.63K

Contact Details

Greenville, SC 29607-3857

United States

https://www.southernfirst.com 864 679 9000

About Company

Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. 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 provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.

Stock Peers

FCNCA

12.25+0.65%

First Citizens BancShares, Inc.$1,906.63 HIFS

-0.18-0.06%

Hingham Institution for Savings$285.61 CATC

Cambridge Bancorp$220.00 WTFC

-0.46-0.33%

Wintrust Financial Corporation$139.60 BFC

0.84+0.62%

Bank First Corporation$136.99 BPOP

0.37+0.27%

Popular, Inc.$136.81 BOKF

0.49+0.38%

BOK Financial Corporation$128.58 CHCO

1.52+1.26%

City Holding Company$122.00 NBN

1.25+1.09%

Northeast Bank$116.29 UMBF

0.39+0.34%

UMB Financial Corporation$115.04

Company Overview

Southern First Bancshares, Inc. (NASDAQ:SFST) closed at $55.25 USD, gaining $0.30 (0.55%) from the previous close of $54.95. The stock is currently mid-range between its 52-week high and low $29.14 and $62.00. With a market capitalization of about $454.77 million, Southern First Bancshares, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.75). Key stats such as the average daily volume over the past year has been around 74.89 thousand shares, trading with heavier-than-usual volume. Headquartered in Greenville, SC, Southern First Bancshares, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO R. Arthur Seaver Jr., the company employs approximately 297 people and listed since October 28, 1999. Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia.

Technical Performance

SFST has shown sold momentum, gaining 4.06% over the past week and 32.24% over the past quarter, though year-to-date performance is up 5.62%. Short-term trend indicators are bearishly aligned (SMA20 3.32%, SMA50 8.77%, SMA200 31.91%). The stock’s 14-day RSI is 62.53 (firm momentum), while the ATR of 1.84 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -1.83% below its high and over 108.0% above its low. Average 10-day trading volume of 112.80 thousand shares is significantly above the 3-month average of 72.17 thousand, indicating heightened recent market interest.

Valuation Metrics

Southern First Bancshares, Inc. trades at a P/E ratio of 14.64, slightly below the S&P 500 average, with a price-to-sales ratio of 2.02 and a price-to-book ratio of 1.21 suggesting the stock is closer to book value. The P/FCF stands at 15.22, also below market averages.

Dividend & Fair Value

Southern First Bancshares, Inc. last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $56.08. This means the shares are trading near this model’s fair value.

Earnings & Analyst Outlook

Southern First Bancshares, Inc. generated EPS of $3.74 over the past year. Five-year average earnings growth is 9.7%. The latest quarter delivered EPS of $1.07. The next quarter is forecast at $1.23. Next year's EPS is expected at $10.89. Analyst sentiment is bullish. Analyst rating data shows there are 3 Strong Buy ratings, 0 Buy ratings, 0 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $64.00 to $43.00. The high target offers 15.84% upside. The low target suggests -22.17% downside. The mean target is $52.67. This offers -4.67% upside. Southern First Bancshares, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended October 28, 2025, missed forecasts by 20.22%. The prior quarter beat by 24.62%. Over the last six quarters, Apple has recorded several small beats. These include 27.59% in July 18, 2024.

Shareholding & Insider Activity

Southern First Bancshares, Inc. has 8.18 million shares outstanding. The public float is 6.29 million shares, elevated short interest at 0.65% of float. This equals 49.65 thousand shares. The short ratio is 1.84 days. Institutional investors hold 87.25% of the float. Insiders own 6.21%. SEAVER R ARTHUR JR holds 107.65 thousand shares, COTHRAN MARK A has 100.19 thousand shares and CUBBAGE LEIGHTON M has 51.17 thousand shares. Over the past six months, insider transactions show balanced activity. They sold 14.88 thousand shares across 4 transactions.

Financial & Profitability Overview

Over the trailing twelve months, Southern First Bancshares generated $86.25M in revenue, or $10.68 per share. Gross margin was 100.00%, operating margin 24.57%, and net profit margin 15.57%. Returns are modest, with ROA at 0.33% and ROE at 4.30%.
On valuation metrics, Southern First Bancshares trades at a P/E of 14.64, P/S of 2.02 and P/B of 1.21. Liquidity is tight, with a current ratio of 0.04 and quick ratio of 0.04. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 19.17 days. Debt-to-equity is 0.72, supported by a cash flow-to-debt ratio of 0.11.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Southern First Bancshares posted revenue of $86.25M, down slightly from $107.60M in the prior quarter. Gross profit was $86.25M (margin 100.00%). Operating income was $21.19M (margin 24.6%). Net income was$13.43M (EPS $1.67).
The company ended the quarter with $156.17M in cash and short-term investments, a total debt of $335.97M, and net debt of $299.15M. Total assets were $4.06B, with equity of $312.47M. Financials further reflected stability, with operating cash flow of $17.14M, free cash flow of $15.90M, and capital expenditures of - $1.24M.

Price Forecast & Outlook

Our AI price prediction model suggests that Southern First Bancshares, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 4.13%, with price expected at $57.53 by April 16, 2026, within a range of $55.43 to $59.72 3-Month Outlook: Projected rise of 35.93%, reaching $75.10 by July 01, 2026, with a range of $73.14 to $77.39. 1-Year Outlook: Projected gain of 18.62%, with price at $65.54 by April 02, 2027, within a range of $63.26 to $67.50.

Key Takeaways

Southern First Bancshares, Inc. (NASDAQ:SFST) shares are flat 5.62% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Southern First Bancshares, Inc. trading at a premium to the broader market with a P/E of 14.64. Analyst sentiment is bullish, with the majority of ratings in Overweight territory and a mean price target of $45.50, suggesting -17.65% downside. Our AI forecast model points to short-term strength (4.13% over two weeks), a medium-term rise (35.93% over three months), and a longer-term gain (18.62% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Southern First Bancshares, Inc. (SFST) stock price?

Southern First Bancshares, Inc. (NASDAQ: SFST) stock price is $55.25 in the last trading session. During the trading session, SFST stock reached the peak price of $55.66 while $54.09 was the lowest point it dropped to. The percentage change in SFST stock occurred in the recent session was 0.55% while the dollar amount for the price change in SFST stock was $0.30.

SFST's industry and sector of operation?

The NASDAQ listed SFST is part of Banks - Regional industry that operates in the broader Financial Services sector. Southern First Bancshares, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of SFST?

Ms. Silvia T. King
Chief HR Officer
Mr. William M. Aiken III
Senior EVice President & Chief Risk Officer
Mr. R. Arthur Seaver Jr.
Chief Executive Officer & Director
Mr. Michael D. Dowling
Executive Vice President, Chief Operating Officer & Chief Financial Officer
Mr. Frederick Gilmer III
Executive Vice President of Southern First Bank and Senior Lending Officer of Southern First Bank
Mr. Lenwood B. Howell
Executive Vice President & Exec. VP of Southern First Bank
Mr. Christopher P. Shugart
Executive Vice President & Chief Mortgage Officer
Julie A. Fairchild
Corporation Sec.
Mr. Calvin C. Hurst
Pres
Mr. David Andrew Borrmann
Chief Financial Officer & Executive Vice President

How SFST did perform over past 52-week?

SFST's closing price is 89.6% higher than its 52-week low of $29.14 where as its distance from 52-week high of $62.00 is -10.89%.

How many employees does SFST have?

Number of SFST employees currently stands at 297.

Link for SFST official website?

Official Website of SFST is: https://www.southernfirst.com

How do I contact SFST?

SFST could be contacted at phone 864 679 9000 and can also be accessed through its website. SFST operates from 100 Verdae Boulevard, Greenville, SC 29607-3857, United States.

How many shares of SFST are traded daily?

SFST stock volume for the day was 118.24K shares. The average number of SFST shares traded daily for last 3 months was 74.89K.

What is the market cap of SFST currently?

The market value of SFST currently stands at $454.77M with its latest stock price at $55.25 and 8.23M of its shares outstanding.

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Employees	297
Beta	0.75
Sales or Revenue	$86.25M
5Y Sales Change%	1.08%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

SFST Company Profile and Key Details

Southern First Bancshares

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Key Takeaways

Price Forecast & Outlook