Southern First Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Southern First Bancshares has total assets of $4.1B and total equity of $315.3M. 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 0.1% of total loans. Cash and short-term investments are $170.8M.
Key information
13x
Asset to equity ratio
2.1%
Net interest margin
| Total deposits | US$3.46b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$170.83m |
Recent financial health updates
No updates
Recent updates
Southern First Bancshares names new president
Aug 23Southern First Bancshares Could Become Interesting At A Slightly Lower Share Price
Apr 21Should You Be Adding Southern First Bancshares (NASDAQ:SFST) To Your Watchlist Today?
Nov 08
This Insider Has Just Sold Shares In Southern First Bancshares, Inc. (NASDAQ:SFST)
Mar 04Have Southern First Bancshares, Inc. (NASDAQ:SFST) Insiders Been Selling Their Stock?
Feb 07Is Southern First Bancshares, Inc. (NASDAQ:SFST) Popular Amongst Insiders?
Jan 19A Quick Analysis On Southern First Bancshares' (NASDAQ:SFST) CEO Compensation
Dec 14Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SFST's Assets to Equity ratio (13x) is moderate.
Allowance for Bad Loans: SFST has a sufficient allowance for bad loans (1109%).
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 (88%).
Low Risk Deposits: SFST's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: SFST has an appropriate level of bad loans (0.1%).