SFST · Southern First Bancshares Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $12.48M | - | $11.33M | $8.59M | $6.91M | - | $5.73M | $3.91M | $3.38M | - |
| Interest Expense | - | - | - | - | - | - | - | $31.02M | $29.72M | - |
| Income Tax | $2.60M | - | $2.67M | $2.01M | $1.65M | - | $1.34M | $909.0K | $862.0K | - |
| Net Income | $9.89M | - | $8.66M | $6.58M | $5.27M | - | $4.38M | $3.00M | $2.52M | - |
| EPS - Basic | $1.21 | - | $1.08 | $0.81 | $0.65 | - | $0.54 | $0.37 | $0.31 | - |
| EPS - Diluted | $1.19 | - | $1.07 | $0.81 | $0.65 | - | $0.54 | $0.37 | $0.31 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $342.78M | $269.58M | $282.90M | $271.03M | $305.06M | $162.86M | $260.57M | $194.83M | $167.31M | $156.17M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $4.58B | $4.40B | $4.36B | $4.31B | $4.28B | $4.09B | $4.17B | $4.11B | $4.11B | $4.06B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $4.20B | $4.03B | $4.00B | $3.96B | $3.95B | $3.76B | $3.85B | $3.79B | $3.79B | $3.74B |
| Stockholders' Equity | $379.41M | $368.66M | $356.35M | $345.46M | $337.60M | $330.44M | $326.54M | $318.75M | $315.26M | $312.47M |
| Retained Earnings | $261.33M | $251.44M | $241.59M | $232.92M | $226.34M | $221.08M | $215.45M | $211.07M | $208.07M | $205.55M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $10.77M | - | - | - | $7.58M | - | - | - | ($2.92M) | - |
| Investing Cash Flow | ($94.89M) | - | - | - | ($50.40M) | - | - | - | ($32.22M) | - |
| Financing Cash Flow | $157.31M | - | - | - | $185.02M | - | - | - | $46.28M | - |
| CapEx | $280.0K | - | - | - | $141.0K | - | - | - | $280.0K | - |
| Free Cash Flow | $10.49M | - | - | - | $7.44M | - | - | - | ($3.20M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.06 | - | - | - | 1.41 | - | - | - | -1.27 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.8% | - | 23.6% | 23.4% | 23.8% | - | 23.5% | 23.3% | 25.5% | - |
| Return on assets | 0.2% | - | 0.2% | 0.2% | 0.1% | - | 0.1% | 0.1% | 0.1% | - |
| Return on equity | 2.6% | - | 2.4% | 1.9% | 1.6% | - | 1.3% | 0.9% | 0.8% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.1x | 0.1x | - |
| Equity multiplier | 12.07 | 11.94 | 12.23 | 12.47 | 12.69 | 12.37 | 12.78 | 12.89 | 13.02 | 12.98 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 45.8x | - | 41.2x | 47.0x | 50.6x | - | 63.1x | 79.0x | 102.5x | - |
| P / B | 1.2x | - | 1.0x | 0.9x | 0.8x | - | 0.8x | 0.7x | 0.8x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 80.6% | - | 97.9% | 119.9% | 104.2% | - | 8.2% | 20.0% | -4.4% | - |
| Net income growth (YoY) | 87.8% | - | 97.7% | 119.4% | 108.8% | - | 6.9% | 22.0% | -6.7% | - |
| EPS growth (YoY) | 83.1% | - | 98.1% | 118.9% | 109.7% | - | 5.9% | 19.4% | -6.1% | - |
| EPS CAGR (3y) | 53.3% | - | 1.0% | -3.5% | -12.8% | - | -32.4% | -34.1% | -38.1% | - |
| EPS CAGR (5y) | -1.9% | - | 30.8% | 6.2% | 12.5% | - | -10.7% | -16.8% | -16.9% | - |
| FCF growth (YoY) | 41.0% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | 5.7% | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 12.4% | 11.6% | 9.1% | 8.4% | 7.1% | 5.8% | 7.4% | 5.7% | 5.3% | 6.1% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing SOUTHERN FIRST BANCSHARES INC against the 5 most active filers in the same SIC group.