Profitability
Weight: 25%
D
34
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 64.0%
- Efficiency Ratio Trend +1.62 pp/yr
SFST
Southern First Bancshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C
53
- 5yr Avg ROE 8.8%
- 5yr Share-Count CAGR 0.7%
Growth Quality
Weight: 15%
C+
58
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 13.0%
- Efficiency Ratio Trend (growth quality check) +1.62 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
16
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.10
Balance Sheet
Weight: 20%
B-
68
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 8.4%
Stability
Weight: 10%
B-
62
- EPS Volatility (σ/μ) 0.47
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 added; 1 full exit.
- Holders
- 2
- Avg Δ position
- +160.7%
- New buys
- 1
- Full exits
- 1