# Southern First Bancshares Inc. (SFST) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $63.68, market value $603 million.

## Valuation
- **P/E (trailing): 13.7×** (5-yr avg 16.1×, 3-yr avg 19.0×). Southern First Bancshares Inc. trades at 13.7× trailing earnings, close to its own five-year average of 16.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.11**. A PEG of 0.11 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 98.8×**. Each dollar of revenue is priced at 98.8×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.5%** (5-yr avg 8.1%). Free cash flow equals 6.5% of the market value, in line with its five-year average of 8.1%. Above 5% is generally attractive.
- **Earnings yield: 7.3%**. The inverse of the P/E: 7.3% of the price is earned each year.

## Profitability
- **Net margin: 483.4%**. 483.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.2%**. 8.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.9%**. Each dollar of assets produces 0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 13.0%** (3-yr 14.4%/yr, 5-yr -20.5%/yr). Revenue grew 13.0% over the last year, against -20.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 94.8%** (3-yr 1.0%/yr, 5-yr 9.7%/yr). Earnings per share rose 94.8%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -6.3%/yr**. Free cash flow has compounded at -6.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Southern First Bancshares Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 40.4%** (YTD 23.6%, 3-mo 8.0%). The shares are up 40.4% over twelve months including dividends.
- **From 52-week high: -2.2%** (55.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.62** (volatility 29%). Beta of 0.62 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SFST · Page: https://foliofundamentals.com/stocks/sfst

Not investment advice.