Southern First Bancshares, Inc.

NasdaqGM:SFST Stock Report

Market Cap: US$331.7m

Southern First Bancshares Balance Sheet Health

Financial Health criteria checks 6/6

Southern First Bancshares has total assets of $4.2B and total equity of $326.5M. Total deposits are $3.5B, and total loans are $3.6B. It earns a Net Interest Margin of 2.1%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $260.9M.

Key information

12.8x

Asset to equity ratio

2.1%

Net interest margin

Total deposits

US$3.52b

Loan to deposit ratio

Appropriate

Bad loans

0.3%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$260.93m

Recent financial health updates

No updates

Recent updates

Southern First Bancshares names new president

Aug 23

Southern First Bancshares Could Become Interesting At A Slightly Lower Share Price

Apr 21

Should You Be Adding Southern First Bancshares (NASDAQ:SFST) To Your Watchlist Today?

Nov 08
Should You Be Adding Southern First Bancshares (NASDAQ:SFST) To Your Watchlist Today?

This Insider Has Just Sold Shares In Southern First Bancshares, Inc. (NASDAQ:SFST)

Mar 04
This Insider Has Just Sold Shares In Southern First Bancshares, Inc. (NASDAQ:SFST)

Have Southern First Bancshares, Inc. (NASDAQ:SFST) Insiders Been Selling Their Stock?

Feb 07
Have Southern First Bancshares, Inc. (NASDAQ:SFST) Insiders Been Selling Their Stock?

Is Southern First Bancshares, Inc. (NASDAQ:SFST) Popular Amongst Insiders?

Jan 19
Is Southern First Bancshares, Inc. (NASDAQ:SFST) Popular Amongst Insiders?

A Quick Analysis On Southern First Bancshares' (NASDAQ:SFST) CEO Compensation

Dec 14
A Quick Analysis On Southern First Bancshares' (NASDAQ:SFST) CEO Compensation

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: SFST's Assets to Equity ratio (12.8x) is moderate.

Allowance for Bad Loans: SFST has a sufficient allowance for bad loans (347%).

Low Risk Liabilities: 91% of SFST's liabilities are made up of primarily low risk sources of funding.

Loan Level: SFST has an appropriate level of Loans to Assets ratio (86%).

Low Risk Deposits: SFST's Loans to Deposits ratio (102%) is appropriate.

Level of Bad Loans: SFST has an appropriate level of bad loans (0.3%).


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 10:01
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

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Analyst Sources

Southern First Bancshares, Inc. is covered by 4 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Christopher MarinacFIG Partners
Christopher MarinacJanney Montgomery Scott LLC
Jefferson HarralsonKeefe, Bruyette, & Woods