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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $4.30M | $4.70M | $4.80M | $3.70M | $2.20M | $2.10M |
| Operating Income | $39.60M | $19.91M | $17.43M | $38.11M | $60.80M | $23.82M |
| Interest Expense | - | - | $99.94M | $20.04M | $5.43M | $15.01M |
| Income Tax | $9.24M | $4.38M | $4.00M | $9.00M | $14.09M | $5.49M |
| Net Income | $30.37M | $15.53M | $13.43M | $29.11M | $46.71M | $18.33M |
| EPS - Basic | $3.75 | $1.92 | $1.67 | $3.66 | $5.96 | $2.37 |
| EPS - Diluted | $3.72 | $1.91 | $1.66 | $3.61 | $5.85 | $2.34 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $269.58M | $162.86M | $156.17M | $5.80M | $127.82M | $100.69M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $4.40B | $4.09B | $4.06B | $3.69B | $2.93B | $2.48B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $4.03B | $3.76B | $3.74B | $3.40B | $2.65B | $2.25B |
| Stockholders' Equity | $368.66M | $330.44M | $312.47M | $294.51M | $277.90M | $228.29M |
| Retained Earnings | $251.44M | $221.08M | $205.55M | $192.12M | $165.77M | $119.06M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $30.46M | $25.56M | $17.65M | $50.30M | $78.07M | $20.62M |
| Investing Cash Flow | ($206.33M) | ($28.86M) | ($378.57M) | ($792.58M) | ($410.63M) | ($230.77M) |
| Financing Cash Flow | $282.60M | $9.99M | $346.22M | $745.94M | $399.08M | $183.02M |
| CapEx | $581.0K | $785.0K | $1.24M | $13.95M | $26.51M | $7.28M |
| Free Cash Flow | $29.88M | $24.77M | $16.41M | $36.35M | $51.56M | $13.34M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.98 | 1.60 | 1.22 | 1.25 | 1.10 | 0.73 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 23.3% | 22.0% | 23.0% | 23.6% | 23.2% | 23.1% |
| Return on assets | 0.7% | 0.4% | 0.3% | 0.8% | 1.6% | 0.7% |
| Return on equity | 8.2% | 4.7% | 4.3% | 9.9% | 16.8% | 8.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.2x | 1.9x | 11.2x | 1.6x |
| Equity multiplier | 11.94 | 12.37 | 12.98 | 12.54 | 10.53 | 10.87 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.92 | 0.91 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.8x | 20.8x | 22.3x | 12.7x | 10.7x | 15.1x |
| P / B | 1.1x | 1.0x | 1.0x | 1.3x | 1.8x | 1.2x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 3.4x | 6.5x | 6.5x | 8.7x | 5.9x | 6.8x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 98.9% | 14.3% | -54.3% | -37.3% | 155.3% | -32.9% |
| Net income growth (YoY) | 95.5% | 15.7% | -53.9% | -37.7% | 154.9% | -34.2% |
| EPS growth (YoY) | 94.8% | 15.1% | -54.0% | -38.3% | 150.0% | -34.6% |
| EPS CAGR (3y) | 1.0% | -31.1% | -10.8% | 0.3% | 26.6% | 10.0% |
| EPS CAGR (5y) | 9.7% | -11.8% | -10.4% | 15.5% | 24.7% | 8.6% |
| FCF growth (YoY) | 20.6% | 51.0% | -54.9% | -29.5% | 286.4% | 35.4% |
| FCF CAGR (5y) | 17.5% | 20.3% | -11.2% | 25.4% | 34.6% | -2.9% |
| Book value growth (YoY) | 11.6% | 5.8% | 6.1% | 6.0% | 21.7% | 10.9% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing SOUTHERN FIRST BANCSHARES INC against the 5 most active filers in the same SIC group.