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SouthFirst Bancshares

OTCPK:SZBI
Snowflake Description

Weak fundamentals or lack of information.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SZBI
OTCPK
$2M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

SouthFirst Bancshares Inc. operates as the holding company for SouthFirst Bank that provides financial services in Alabama. The last earnings update was 4718 days ago. More info.


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  • SouthFirst Bancshares has significant price volatility in the past 3 months.
SZBI Share Price and Events
7 Day Returns
12.2%
OTCPK:SZBI
0.4%
US Mortgage
0.8%
US Market
1 Year Returns
-48.7%
OTCPK:SZBI
5.3%
US Mortgage
4.8%
US Market
SZBI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
SouthFirst Bancshares (SZBI) 12.2% -10.1% -37% -48.7% -43.7% -24.5%
US Mortgage 0.4% 3.3% 2.7% 5.3% 34.6% 46.8%
US Market 0.8% 4.3% 2.8% 4.8% 37.9% 43.5%
1 Year Return vs Industry and Market
  • SZBI underperformed the Mortgage industry which returned 5.3% over the past year.
  • SZBI underperformed the Market in United States of America which returned 4.8% over the past year.
Price Volatility
Industry
5yr Volatility vs Market

SZBI Value

 Is SouthFirst Bancshares undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.

In this section, we usually try to help investors determine whether SouthFirst Bancshares is trading at an attractive price based on the cash flow it is expected to produce in the future. But as SouthFirst Bancshares has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis. You can see them here.

Show me the analysis anyway

INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for SouthFirst Bancshares. This is due to cash flow or dividend data being unavailable. The share price is $2.49.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for SouthFirst Bancshares's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are SouthFirst Bancshares's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:SZBI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2006-06-30) in USD Not available
OTCPK:SZBI Share Price ** OTCPK (2019-07-15) in USD $2.49
United States of America Mortgage Industry PE Ratio Median Figure of 129 Publicly-Listed Mortgage Companies 14.36x
United States of America Market PE Ratio Median Figure of 3,084 Publicly-Listed Companies 18.01x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of SouthFirst Bancshares.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PE ratio to the industry average as no data exists.
  • Unable to calculate PE ratio for SouthFirst Bancshares, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does SouthFirst Bancshares's expected growth come at a high price?
Raw Data
OTCPK:SZBI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 0x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Mortgage Industry PEG Ratio Median Figure of 50 Publicly-Listed Mortgage Companies 1.45x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.59x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for SouthFirst Bancshares, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on SouthFirst Bancshares's assets?
Raw Data
OTCPK:SZBI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2006-06-30) in USD Not available
OTCPK:SZBI Share Price * OTCPK (2019-07-15) in USD $2.49
United States of America Mortgage Industry PB Ratio Median Figure of 145 Publicly-Listed Mortgage Companies 1.13x
United States of America Market PB Ratio Median Figure of 5,240 Publicly-Listed Companies 1.81x

* Primary Listing of SouthFirst Bancshares.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PB ratio to the industry average as no data exists.

Next steps:

  1. Take a look at our analysis of SZBI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  2. Show me more potentially undervalued companies in the Mortgage industry
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Value checks
We assess SouthFirst Bancshares's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. SouthFirst Bancshares has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SZBI Future Performance

 How is SouthFirst Bancshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as SouthFirst Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
10.6%
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is SouthFirst Bancshares expected to grow at an attractive rate?
  • Unable to compare SouthFirst Bancshares's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare SouthFirst Bancshares's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare SouthFirst Bancshares's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:SZBI Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.6%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:SZBI Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (13 years ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:SZBI Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2006-06-30 7 1 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if SouthFirst Bancshares is high growth as no earnings estimate data is available.
  • Unable to determine if SouthFirst Bancshares is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:SZBI Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (13 years ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from SouthFirst Bancshares Company Filings, last reported 13 years ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:SZBI Past Financials Data
Date (Data in USD Millions) EPS *
2006-06-30 0.75

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if SouthFirst Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Take a look at our analysis of SZBI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  2. SouthFirst Bancshares's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access SouthFirst Bancshares's filings and announcements here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess SouthFirst Bancshares's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
SouthFirst Bancshares has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SZBI Past Performance

  How has SouthFirst Bancshares performed over the past 5 years?

In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, SouthFirst Bancshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data. You can see them here.

Show me the analysis anyway

  • SouthFirst Bancshares's last earnings update was 4718 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare SouthFirst Bancshares's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient past earnings data to establish if SouthFirst Bancshares's year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare SouthFirst Bancshares's 1-year growth to the 5-year average as past earnings data has not been reported.
  • Unable to compare SouthFirst Bancshares's 1-year growth to the US Mortgage industry average as past earnings data has not been reported.
Earnings and Revenue History
SouthFirst Bancshares's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from SouthFirst Bancshares Company Filings, last reported 13 years ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:SZBI Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2006-06-30 7.40 0.53 5.74

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Unable to establish if SouthFirst Bancshares has efficiently used shareholders’ funds last year as no Return on Equity data is available.
  • Unable to establish if SouthFirst Bancshares has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as past financial data has not been reported.
  • Unable to establish if SouthFirst Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.

Next steps:

  1. When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at SouthFirst Bancshares's management and board experience and expertise to assess their ability to deliver on their strategic promises.
  2. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access SouthFirst Bancshares's filings and announcements here.
  3. Past financial records are usually unavailable for companies that have just been established or recently publicly listed, which makes them inherently riskier. Take a look at a list of well-established companies here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Past performance checks
We assess SouthFirst Bancshares's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
SouthFirst Bancshares has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SZBI Health

 How is SouthFirst Bancshares's financial position? (This company is analysed differently as a bank or financial institution)

In this section we usually analyse SouthFirst Bancshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. SouthFirst Bancshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information. You can see them here.

Show me the analysis anyway

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of SouthFirst Bancshares's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from SouthFirst Bancshares Company Filings, last reported 13 years ago.

OTCPK:SZBI Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2006-06-30 10.03 25.91 5.49
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Unable to establish if SouthFirst Bancshares has an acceptable proportion of non-loan assets without balance sheet data.
  • Unable to establish if SouthFirst Bancshares's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
  • SouthFirst Bancshares reports no customer deposits, loans are made up entirely of borrowed funds.
  • Unable to establish if SouthFirst Bancshares's level of assets compared to its equity is high without balance sheet data.
  • Unable to establish if SouthFirst Bancshares has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if SouthFirst Bancshares has an acceptable level of bad loans without bad loans data.

Next steps:

  1. Take a look at our analysis of SZBI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  2. Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  3. Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when SouthFirst Bancshares's financial data was last updated here.
  4. Companies with strong financial health are considered a less risky investment. Discover these stocks here.
  5. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Financial health checks
We assess SouthFirst Bancshares's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. SouthFirst Bancshares has a total score of 0/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SZBI Dividends

 What is SouthFirst Bancshares's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from SouthFirst Bancshares dividends.
If you bought $2,000 of SouthFirst Bancshares shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate SouthFirst Bancshares's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate SouthFirst Bancshares's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:SZBI Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 95 Stocks 3.1%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2018 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as SouthFirst Bancshares has not reported any payouts.
  • Unable to verify if SouthFirst Bancshares's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of SouthFirst Bancshares's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as SouthFirst Bancshares has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess SouthFirst Bancshares's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can SouthFirst Bancshares afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. SouthFirst Bancshares has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SZBI Management

 What is the CEO of SouthFirst Bancshares's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Randall Fields
COMPENSATION $154,386
AGE 55
TENURE AS CEO 8.5 years
CEO Bio

Mr. Randall L. Fields has been Chief Executive Officer and Chief Executive Officer of SouthFirst Bank at SouthFirst Bancshares Inc. since January 02, 2011. Mr. Fields serves as Chief Executive Officer SouthFirst Bank since January 2, 2011. Mr. Fields served as Executive Vice President of SouthFirst Bank. He served as Executive Vice President of Birmingham Alabama at First M&F Corp. since December 2008. He has over 22 years of banking experience, including Merchants & Farmers Bank (Kosciusko, Mississippi), where he served as its Executive Vice President - Alabama and Florida since July 2009, providing executive leadership and management for the Alabama and Florida markets and prior to that as its Area President / Regional Chief Executive Officer for Birmingham and Shelby County, beginning in January 2006, responsible for the day to day operations and sales leadership of its branch network in Birmingham and Shelby County, Alabama. Prior to that time, Mr. Fields served as Senior Vice President and Area Executive for North Central Alabama with First United Security Bank (Thomasville, Alabama) from 2000 to 2006 and prior to that time with AmSouth Bank of Alabama (Birmingham, Alabama) starting in 1988 in various positions including Vice President of Private Banking, Vice President of Branch Administration and Vice President / Assistant Vice President. Mr. Fields is the Past President-Elect and a former board member of the South Shelby County Chamber of Commerce, a former member of the Board of Trustees for the Hoover Chamber of Commerce, a previous team captain for the Birmingham Chamber of Commerce and a Major in the Boy Scouts of America. Mr. Fields received his Bachelor of Science in Corporate Finance from the University of Alabama in 1988 and his Graduate Banking Degree from the Graduate School of Banking at LSU in 1998.

CEO Compensation
  • No earnings data for SouthFirst Bancshares, not possible to compare to compensation.
  • Insufficient data for Randall to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the SouthFirst Bancshares management team in years:

22.5
Average Tenure
68.5
Average Age
  • The average tenure for the SouthFirst Bancshares management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Randall Fields

TITLE
President & CEO
COMPENSATION
$154K
AGE
55
TENURE
8.5 yrs

Rick Taylor

TITLE
Vice President of Accounting

Janice Browning

TITLE
Principal Financial Officer
AGE
69

Ruth Roper

TITLE
Executive Vice President of Pension & Benefit - SouthFirst Bank
COMPENSATION
$114K
AGE
69
TENURE
22.5 yrs

J. Massey

TITLE
Director
COMPENSATION
$179K
AGE
68
TENURE
22.5 yrs
Board of Directors Tenure

Average tenure and age of the SouthFirst Bancshares board of directors in years:

18.2
Average Tenure
68.5
Average Age
  • The average tenure for the SouthFirst Bancshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Allen McMillan

TITLE
Chairman of the Board
AGE
62
TENURE
17.9 yrs

Randall Fields

TITLE
President & CEO
COMPENSATION
$154K
AGE
55
TENURE
8.5 yrs

J. Massey

TITLE
Director
COMPENSATION
$179K
AGE
68
TENURE
22.2 yrs

L. Bice

TITLE
Director
AGE
78
TENURE
18.5 yrs

Kenneth Easterling

TITLE
Director
AGE
76
TENURE
18.5 yrs

H. Foote

TITLE
Director and Director of First Federal
AGE
69
TENURE
31.5 yrs

Don Hardy

TITLE
Director
AGE
69
TENURE
18.5 yrs

Rocky Jackson

TITLE
Director
AGE
63
TENURE
6.5 yrs

Robert Hayes

TITLE
Director
AGE
58
TENURE
12.1 yrs

Ronnie Salloway

TITLE
Director
AGE
70
TENURE
4.7 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess SouthFirst Bancshares's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. SouthFirst Bancshares has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SZBI News

Simply Wall St News

SZBI Company Info

Description

SouthFirst Bancshares Inc. operates as the holding company for SouthFirst Bank that provides financial services in Alabama. The company offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; and loans, including automobile, motorcycle, marine, recreational vehicle, share, unsecured, second mortgage, home equity line of credit, and construction loans. It also provides telephone banking, Internet banking, and ATM banking services; debit cards; and safe deposit boxes. The company operates branches in Sylacauga, Talladega, Clanton, and Birmingham. SouthFirst Bancshares Inc. was founded in 1949 and is headquartered in Sylacauga, Alabama.

Details
Name: SouthFirst Bancshares Inc.
SZBI
Exchange: OTCPK
Founded: 1949
$1,747,980
702,000
Website: http://www.southfirst.com
Address: SouthFirst Bancshares Inc.
126 North Norton Avenue,
PO Box 167,
Sylacauga,
Alabama, 35150,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK SZBI Common Stock Pink Sheets LLC US USD 14. Feb 1995
Number of employees
Current staff
Staff numbers
0
SouthFirst Bancshares employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/15 23:46
End of day share price update: 2019/07/15 00:00
Last earnings filing: 2006/08/14
Last earnings reported: 2006/06/30
Last annual earnings reported: 2005/09/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.