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Equity
Southern First Bancshares Inc(SFST)
USD --+0.00%
Reward54Moderate
Risk60Medium-High
📊75%Data
Strong 26% profit margin · Revenue growing 23% YoY
SFST
+0.0 · +0.00%
USD · NASDAQ
Southern First Bancshares Inc | Financial Services
Balanced
Market Cap:458.80M
ℹ️
Reward Rating
54
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
60
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on SFST to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $64.00.

What is Southern First Bancshares Inc?

operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia.

SFST · Verdict

Moderate reward · elevated risk

SFST's standout is volatility; balance sheet and valuation weigh on the picture.

Based on 88% data coverage

SFST · Verdict

What’s working & what to watch

Strengths 1

  • Volatility65/100

    Above average

Watchouts 2

  • Balance sheet14/100

    Interest covered 0.4×

  • Valuation33/100

    P/E 18.6× · PEG 2.31

Model-based scoring. For information only — not financial advice.

What is Southern First Bancshares Inc?

operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. 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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 458.80M, and a P/E ratio of 14.9x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Premium valuation reflects strong growth expectations already priced in.

OpenBook Logo Analysis

Reward: Moderate (54)

The scoring profile indicates limited reward potential at this time, with growth and profitability offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap458.80M
P/E Ratio14.8907
Dividend YieldN/A
52 Week High62
52 Week Low29.14
Last AnnualDecember
IPO Date10/28/1999
IncorporatedUSA
Shares Outstanding8M
No. of Employees297
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.761
CurrencyUSD
Websitewww.southernfirst.com
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