profit from every $100 of sales.
$0$100
Southern First Bancshares
$60.63-0.13% today
+25.1% in 1 year
1-year low $47.081-year high $64.60
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $18.95 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Southern First Bancshares sold, what it kept, and what it did with the cash.
Sales went from $108 million in 2022 to $118 million in 2025, with $30.4 million of profit last year.
SalesProfit
Southern First Bancshares vs. similar companies
Southern First Bancshares grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Southern First Bancshares | 19.0× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Southern First Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 108 | 88 | 93 | 118 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 29 | 13 | 16 | 30 | |
| 3.61 | 1.66 | 1.91 | 3.75 | |
| – | – | – | – | |
| – | – | – | – | |
| 27.1% | 15.3% | 16.6% | 25.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,692 | 4,056 | 4,088 | 4,403 |
| Cash | 70 | 37 | 34 | 86 |
| Total debt | 211 | 311 | 265 | 265 |
| Total liabilities | 3,397 | 3,743 | 3,757 | 4,035 |
| 295 | 312 | 330 | 369 | |
| 8 | 8 | 8 | 8 | |
| – | – | – | – | |
| 9.9% | 4.3% | 4.7% | 8.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 50 | 18 | 26 | 30 | |
| 14 | 1 | 1 | 1 | |
| 36 | 16 | 25 | 30 | |
| Dividends paid | – | – | – | – |
| – | – | – | – | |
| 2 | 2 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 19.0×
- 11.8×
- 14.85
- 1.2×
- 4.9×
- 5.3%
- 0.0%
Profitability
- 25.7%
- 5.0%
- 6.0%
- 9.7%
- 0.8%
Growth
- +3.2%
- +1.3%
- –
- +0.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 50%of 688
Top 50%of 540
Bottom 30%of 900
Bottom 32%of 908
Top 50%of 941
What analysts expect
- Average price target
- $64.00
- Range
- $64.00 – $64.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 1.19 | 1.20 | −0.8% |
| Jan 22, 2026 | 1.21 | 1.11 | +9.0% |
| Oct 28, 2025 | 1.07 | 0.89 | +20.2% |
| Jul 22, 2025 | 0.81 | 0.65 | +24.6% |
| Apr 22, 2025 | 0.65 | 0.61 | +6.6% |
| Jan 28, 2025 | 0.70 | 0.41 | +70.7% |
| Oct 22, 2024 | 0.54 | 0.38 | +42.1% |
| Jul 18, 2024 | 0.37 | 0.29 | +27.6% |
News
Here’s What UBS Sees in Southern Copper (SCCO)Yahoo Finance · Nov 11, 2026DOJ expected to opine on Union Pacific/Norfolk Southern deal in coming weeks - reportSeeking Alpha · Nov 9, 2026Schneider projects 2026 adjusted EPS of $1-$1.10 as it plans Norfolk Southern as primary Eastern Intermodal rail provider from January 1, 2027Seeking Alpha · Oct 29, 2026TV’s Nick and Vanessa Lachey cut price of Southern California home to $7.6 millionMarketWatch · Oct 28, 2026Great Southern Bancorp outlines $4.4M-$4.8M expense savings beginning in Q4 2026 following 9-branch consolidationSeeking Alpha · Oct 22, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
44No pass
Benjamin Graham
63Pass
Philip Fisher
54No pass
Peter Lynch
21No pass
Joel Greenblatt
12No pass
Charlie Munger
43No pass
Terry Smith
41No pass
Questions about Southern First Bancshares
Is Southern First Bancshares a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Southern First Bancshares AI analysis
What does Southern First Bancshares do?
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 is in Banks - Regional.
Does Southern First Bancshares pay a dividend?
No. Southern First Bancshares does not pay a dividend at the moment.
Is Southern First Bancshares stock halal?
No. Southern First Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Southern First Bancshares stock done over the past year?
Up 25.1% over the past twelve months, to $60.63. It traded between $47.08 and $64.60 and is 6.1% below its high.
Who are Southern First Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Southern First Bancshares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.