Southern First Bancshares, Inc. logo SFST - Southern First Bancshares, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 1
HOLD 6
SELL 0
STRONG
SELL
0
| PRICE TARGET: $64.00 DETAILS
HIGH: $64.00
LOW: $64.00
MEDIAN: $64.00
CONSENSUS: $64.00
UPSIDE: 11.65%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Revenue
Revenue 224.6 213.3 187.5 127.6 110.3 122.2 102.7 82.7 70.5 62.0 54.4 45.7 39.9 38.5 37.9 38.6 38.0 41.7 40.8 31.5 22.5 14.7 10.1 8.7 6.6 3.2 0.1
Cost of Revenue 109.5 120.1 101.2 26.2 (7.0) 44.6 27.7 18.4 12.3 10.5 10.7 11.1 10.6 13.3 17.1 20.9 21.2 25.0 24.8 18.2 10.6 6.6 4.7 4.5 4.0 2.1 0
Gross Profit 115.1 93.3 86.3 101.4 117.2 77.6 75.0 64.3 58.2 51.5 43.7 34.6 29.3 25.2 20.8 17.6 16.8 16.7 16.0 13.3 11.9 8.1 5.5 4.1 2.6 1.1 0.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 54.8 3.8 45.4 41.7 38.2 36.8 29.2 27.4 26.8 23.4 21.2 18.2 16.3 14.1 12.9 12.1 11.6 9.5 6.0 4.4 3.8 2.8 2.1 1.9 1.6 1.0 0.6
Other Expenses 20.7 69.5 23.4 21.2 18.3 17.0 10.3 8.2 7.7 7.8 7.0 6.7 5.6 5.4 4.9 4.5 3.4 4.8 4.9 3.0 4.1 2.1 1.7 2.2 1.2 0.7 0.0
Operating Expenses 75.5 73.3 68.8 62.9 56.4 53.7 39.5 35.6 34.6 31.2 28.2 24.9 21.8 19.5 17.9 16.6 15.1 14.3 10.9 7.4 7.9 4.9 3.9 4.1 2.8 1.8 0.6
Operating Income
Operating Income 39.6 19.9 17.4 38.1 60.8 23.8 35.5 28.7 23.7 20.4 15.5 9.7 7.5 5.7 2.9 1.1 1.8 2.5 5.1 5.9 4.1 3.2 1.6 0 (0.1) (0.7) (0.5)
Interest Expense 106.5 120.0 99.9 20.0 5.4 15.0 25.4 16.5 10.3 8.2 7.5 6.9 7.1 8.7 11.9 15.3 16.9 21.9 22.8 16.6 9.6 5.3 3.6 3.5 3.4 1.5 0.0
Interest Income 211.5 201.2 177.6 117.7 93.2 94.8 92.7 76.7 61.2 51.2 46.0 39.9 36.1 34.7 35.1 35.5 36.2 40.2 39.5 30.9 21.7 14.0 9.7 8.2 6.3 3.1 0
Profitability
EBITDA 44.3 24.7 22.2 41.8 63.1 26.0 37.4 30.4 25.1 21.6 16.8 10.9 8.7 6.7 3.8 1.9 2.5 3.0 5.6 6.3 4.3 3.4 1.9 0.2 0.1 (0.7) (0.5)
EBIT 39.6 19.9 17.4 38.1 60.8 23.8 35.5 28.7 23.7 20.4 15.5 9.7 7.5 5.7 2.9 1.1 1.8 2.5 5.1 5.9 4.1 3.2 1.6 0 (0.1) (0.7) (0.5)
Income Before Tax 39.6 19.9 17.4 38.1 60.8 23.8 35.5 28.7 23.7 20.4 15.5 9.7 7.5 5.7 2.9 1.1 1.8 2.5 5.1 5.9 4.1 3.2 1.6 0 (0.1) (0.7) (0.5)
Income Tax Expense 9.2 4.4 4.0 9.0 14.1 5.5 7.6 6.4 10.6 7.3 5.4 3.1 2.4 1.8 0.8 0.2 0.3 0.6 1.6 2.0 1.5 1.2 0.6 (0.8) (0.0) (0.0) (0.0)
Net Income 30.4 15.5 13.4 29.1 46.7 18.3 27.9 22.3 13.0 13.0 10.2 6.6 5.1 3.9 2.1 0.9 1.4 1.9 3.4 3.9 2.5 2.0 1.0 0.8 (0.1) (0.7) (0.5)
Per Share Data
EPS (Basic) 3.77 1.92 1.67 3.66 5.96 2.37 3.70 3.02 1.86 2.06 1.64 1.15 1.02 0.65 0.22 -0.06 0.06 0.47 0.88 1.00 0.65 0.70 0.40 0.30 -0.05 -0.26 -0.21
EPS (Diluted) 3.75 1.91 1.66 3.61 5.85 2.34 3.58 2.88 1.76 1.94 1.55 1.10 0.98 0.64 0.22 -0.06 0.06 0.44 0.80 0.90 0.59 0.61 0.36 0.29 -0.05 -0.26 -0.21
Shares Outstanding 8.0 8.1 8.0 8.0 7.8 7.7 7.5 7.4 7.0 6.3 6.2 5.0 4.3 4.2 4.2 4.2 4.5 4.0 3.9 3.9 3.9 2.9 2.5 2.5 2.5 2.5 2.5
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999
Current Assets
Cash & Cash Equivalents 86.1 34.4 36.8 69.6 80.3 78.9 38.6 37.0 43.0 22.5 5.6 4.4 3.9 4.1 4.5 2.9 0.9 0
Short-Term Investments 0.0 0.5 9.5 93.3 120.3 94.7 67.7 74.9 67.6 64.5 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 0 2.9 1.1 0.8 0.7 0.8 0.5 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 86.1 34.9 46.3 162.9 200.6 173.7 106.3 111.9 110.6 87.0 5.6 7.3 5.1 4.9 5.2 3.7 1.5 0
Non-Current Assets
Property, Plant & Equipment 83.5 88.8 94.3 99.2 92.4 60.2 58.5 32.4 32.2 28.4 16.4 11.7 2.0 0.8 0.8 0.9 0.6 0.1
Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 3,947.6 3,733.1 3,698.2 3,240.2 2,475.8 2,159.5 1,954.5 1,671.3 1,384.0 1,157.2 661.1 645.0 305.8 221.8 163.6 113.8 55.4 0
Other Non-Current Assets 272.6 217.4 204.8 177.1 148.4 79.7 143.7 80.9 93.9 61.6 32.6 25.1 2.9 3.3 0.8 0.1 4.0 (0.1)
Total Non-Current Assets 4,317.4 4,052.7 4,009.5 3,529.0 2,724.9 2,308.9 2,160.9 1,788.7 1,514.0 1,253.9 719.3 685.7 310.7 226.0 165.1 114.8 60.0 0
Total Assets 4,403.5 4,087.6 4,055.8 3,692.0 2,925.5 2,482.6 2,267.2 1,900.6 1,624.6 1,340.9 719.3 693.0 315.8 230.7 170.4 118.6 61.4 10.1
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 2.2 0.6 0.6 0.6 0.7 0.6 0
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 146.9 15 51.8 41.8 10.0 9.4 1.2 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 3,716.8 3,435.8 3,379.6 3,133.9 2,563.8 2,142.8 1,876.1 1,648.1 1,381.1 1,091.2 494.1 469.5 204.9 169.0 133.6 92.7 50.0 0
Total Current Liabilities 3,716.8 3,435.8 3,379.6 3,133.9 2,563.8 2,142.8 1,876.1 1,648.1 1,381.1 1,091.2 641.0 488.8 258.2 211.9 144.6 102.8 51.7 0
Non-Current Liabilities
Long-Term Debt 264.9 264.9 311.3 211.2 36.1 61.0 145.9 63.4 80.6 128.6 13.4 163.1 28.2 6.2 15.5 6 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 53.1 56.5 52.4 52.4 47.7 50.5 39.3 0 0 0 5.0 1.3 1.4 1.6 0 0.3 0.2 0
Total Non-Current Liabilities 318.0 321.4 363.8 263.6 83.8 111.5 185.2 78.6 93.8 139.9 18.4 164.4 29.6 7.8 15.5 6.3 0.2 0
Total Liabilities 4,034.8 3,757.1 3,743.3 3,397.5 2,647.6 2,254.3 2,061.3 1,726.7 1,474.9 1,231.0 659.5 653.2 287.7 219.5 160.1 109.1 52.0 0
Stockholders' Equity
Common Stock 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0
Retained Earnings 251.4 221.1 205.5 192.1 165.8 119.1 100.7 72.9 50.6 37.5 9.8 9.0 2.5 0.4 (0.6) (1.3) (1.2) (0.5)
Accumulated Other Comprehensive Income (7.5) (11.5) (11.3) (13.4) (0.7) 1.0 (0.3) (0.9) (0.5) (0.5) 0.5 (1.1) 0.0 0.1 0.1 0.1 0.0 0
Total Stockholders' Equity 368.7 330.4 312.5 294.5 277.9 228.3 205.9 173.9 149.7 109.9 59.8 39.8 28.1 11.2 10.2 9.5 9.5 10.1
Total Liabilities & Equity 4,403.5 4,087.6 4,055.8 3,692.0 2,925.5 2,482.6 2,267.2 1,900.6 1,624.6 1,340.9 719.3 693.0 315.8 230.7 170.4 118.6 61.4 10.1
Debt Metrics
Total Debt 264.9 264.9 311.3 211.2 36.1 61.0 145.9 63.4 80.6 128.6 160.4 178.1 79.9 48.0 25.5 15.4 1.2 0
Net Debt 178.8 230.5 274.5 141.6 (44.2) (17.9) 107.3 26.4 37.6 106.1 154.7 173.7 76.0 43.9 21.0 12.5 0.2 0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999
Operating Activities
Net Income 30.4 15.5 13.4 29.1 46.7 18.3 27.9 22.3 13.0 13.0 2.5 2.0 1.0 0.8 (0.1) (0.7) (0.5)
Depreciation & Amortization 4.7 4.8 4.8 3.7 2.3 2.2 1.9 1.8 1.5 1.3 0.3 0.2 0.3 0.2 0.2 0.0 0
Stock-Based Compensation 2.3 2.3 1.9 2.0 1.6 1.4 1.7 1.5 1.3 2.0 0 0 0 0 0 0 0
Change in Working Capital (0.5) (0.3) (0.6) (1.0) (8.2) 0.8 2.6 1.2 2.8 0.3 9.7 (0.9) 1.1 (0.3) (0.4) 1.6 0.0
Other Non-Cash Items (5.2) 3.3 (2.0) 16.4 35.6 (2.1) (15.8) 5.0 (1.4) 0.5 2.6 1.4 1.1 1.1 0.6 0.6 (0.0)
Operating Cash Flow 30.5 25.6 17.7 50.3 78.1 20.6 18.3 31.7 17.2 17.1 14.4 2.4 3.4 1.8 0.3 1.5 (0.5)
Investing Activities
Capital Expenditure (0.6) (0.8) (1.2) (13.9) (26.5) (7.3) (8.4) (1.9) (5.4) (5.4) (5.3) (1.4) (0.2) (0.1) (0.5) (0.6) (0.1)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments 0 (28.2) (114.9) (40.8) (51.6) (53.2) (44.6) (23.2) (25.1) (18.8) (16.8) (20.1) (12.9) (11.5) (18.3) (12.0) 0
Sales/Maturities of Investments 29.6 30.5 67.0 44.2 22.5 30.4 50.1 15.3 22.8 43.1 9.4 6.6 12.7 14.4 9.4 11.0 0
Other Investing Activities (235.4) (30.4) (329.4) (782.0) (355.0) (200.7) (272.6) (291.8) (231.4) (158.8) (58.4) (71.9) (59.0) (54.2) (49.9) (46.6) (8.6)
Investing Cash Flow (206.3) (28.9) (378.6) (792.6) (410.6) (230.8) (275.6) (301.7) (239.0) (139.9) (71.1) (86.8) (59.5) (51.3) (59.3) (48.2) (8.7)
Financing Activities
Net Debt Issuance 0 (46.5) 100 175 (25) (85) 82.5 (17.2) (48) 0 27.6 32.0 23.2 10.1 14.5 0 0
Stock Repurchased 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10.7
Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Financing Activities 280.6 56.2 245.7 570.0 421.1 266.6 229.8 267.9 290.7 106.5 49.3 35.9 35.4 40.9 42.7 50.0 10.7
Financing Cash Flow 282.6 10.0 346.2 745.9 399.1 183.0 312.2 250.7 267.4 106.5 77.0 82.8 58.6 51.0 57.2 50.0 10.7
Cash Position
Net Change in Cash 106.7 6.7 (14.7) 3.7 66.5 (27.1) 54.9 (19.3) 45.6 (16.3) 20.3 (1.6) 2.5 1.5 (1.9) 3.4 1.5
Cash at Beginning 162.9 156.2 170.9 167.2 100.7 127.8 72.9 92.2 46.6 62.9 5.3 6.9 4.5 3.0 4.9 1.5 0.0
Cash at End 269.6 162.9 156.2 170.9 167.2 100.7 127.8 72.9 92.2 46.6 25.6 5.3 6.9 4.5 3.0 4.9 1.5
Free Cash Flow 29.9 24.8 16.4 36.4 51.6 13.3 9.9 29.8 11.8 11.7 9.0 1.1 3.2 1.7 (0.2) 1.0 (0.6)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Income Statement
Revenue 224.6 213.3 187.5 127.6 110.3 122.2 102.7 82.7 70.5 62.0 54.4 45.7 39.9 38.5 37.9 38.6 38.0 41.7 40.8 31.5 22.5 14.7 10.1 8.7 6.6 3.2 0.1
Gross Profit 115.1 93.3 86.3 101.4 117.2 77.6 75.0 64.3 58.2 51.5 43.7 34.6 29.3 25.2 20.8 17.6 16.8 16.7 16.0 13.3 11.9 8.1 5.5 4.1 2.6 1.1 0.1
Operating Income 39.6 19.9 17.4 38.1 60.8 23.8 35.5 28.7 23.7 20.4 15.5 9.7 7.5 5.7 2.9 1.1 1.8 2.5 5.1 5.9 4.1 3.2 1.6 0 (0.1) (0.7) (0.5)
Net Income 30.4 15.5 13.4 29.1 46.7 18.3 27.9 22.3 13.0 13.0 10.2 6.6 5.1 3.9 2.1 0.9 1.4 1.9 3.4 3.9 2.5 2.0 1.0 0.8 (0.1) (0.7) (0.5)
EPS (Diluted) 3.75 1.91 1.66 3.61 5.85 2.34 3.58 2.88 1.76 1.94 1.55 1.10 0.98 0.64 0.22 -0.06 0.06 0.44 0.80 0.90 0.59 0.61 0.36 0.29 -0.05 -0.26 -0.21
Balance Sheet
Cash & Equivalents 86.1 34.4 36.8 69.6 80.3 78.9 38.6 37.0 43.0 22.5 5.6 4.4 3.9 4.1 4.5 2.9 0.9 0
Total Assets 4,403.5 4,087.6 4,055.8 3,692.0 2,925.5 2,482.6 2,267.2 1,900.6 1,624.6 1,340.9 719.3 693.0 315.8 230.7 170.4 118.6 61.4 10.1
Total Debt 264.9 264.9 311.3 211.2 36.1 61.0 145.9 63.4 80.6 128.6 160.4 178.1 79.9 48.0 25.5 15.4 1.2 0
Stockholders' Equity 368.7 330.4 312.5 294.5 277.9 228.3 205.9 173.9 149.7 109.9 59.8 39.8 28.1 11.2 10.2 9.5 9.5 10.1
Cash Flow
Operating Cash Flow 30.5 25.6 17.7 50.3 78.1 20.6 18.3 31.7 17.2 17.1 14.4 2.4 3.4 1.8 0.3 1.5 (0.5)
Capital Expenditure (0.6) (0.8) (1.2) (13.9) (26.5) (7.3) (8.4) (1.9) (5.4) (5.4) (5.3) (1.4) (0.2) (0.1) (0.5) (0.6) (0.1)
Free Cash Flow 29.9 24.8 16.4 36.4 51.6 13.3 9.9 29.8 11.8 11.7 9.0 1.1 3.2 1.7 (0.2) 1.0 (0.6)