Southern First Bancshares Inc
Research Southern First Bancshares Inc (SFST) on Bullrun: valuation model: 5.2% overvalued, market cap USD 588.18M, P/E 13.3. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerSFST
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal5.2% overvalued
- Market capUSD 588.18M
- P/E13.3
- Financial periodQ2 2026
- RevenueUSD 35.88M
- Net incomeUSD 11.20M
- Free cash flowUSD 16.73M
Valuation Snapshot
Bullrun's latest valuation model marks Southern First Bancshares Inc as 5.2% overvalued; latest market cap is USD 588.18M; P/E is 13.3.
Peer valuation comparison
Latest P/E is 13.28x versus a Financial Services sector median of 13.84x (4.0% below).
Latest P/E is 13.28x versus a United States median of 24.87x (46.6% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 6.28M | USD 30.37M | USD 29.88M | n/a | 3.72 | USD 269.58M | USD 264.90M | USD 368.66M |
| FY2024 | USD 5.56M | USD 15.53M | USD 24.77M | n/a | 1.91 | USD 162.86M | USD 264.90M | USD 330.44M |
| FY2023 | USD 4.04M | USD 13.43M | USD 16.41M | n/a | 1.66 | USD 156.17M | USD 311.32M | USD 312.47M |
| FY2022 | USD 4.20M | USD 29.12M | USD 36.36M | n/a | 3.61 | USD 5.80M | USD 86.16M | USD 294.51M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 588.18M | 13.3 | n/a | n/a |
| 2025 | 2025-12-31 | USD 423.15M | 13.8 | n/a | n/a |
| 2024 | 2024-12-31 | USD 324.55M | 20.8 | n/a | n/a |
| 2023 | 2023-12-29 | USD 300.09M | 20.3 | n/a | n/a |
| 2022 | 2022-12-30 | USD 365.88M | 10.4 | n/a | n/a |
| 2021 | 2021-12-31 | USD 495.28M | 10.7 | n/a | n/a |
About Southern First Bancshares Inc
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans;
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Frequently asked questions
Is Southern First Bancshares Inc overvalued or undervalued?
Bullrun's valuation model currently marks Southern First Bancshares Inc as 5.2% overvalued.
What is Southern First Bancshares Inc's market cap?
Southern First Bancshares Inc's market capitalization is USD 588.18M.
What is Southern First Bancshares Inc's P/E ratio?
Southern First Bancshares Inc's price-to-earnings (P/E) ratio is 13.3.
What does Southern First Bancshares Inc do?
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit.