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Southern First Bancshares, Inc. (the Company ) was incorporated in March 1999 under the laws of South Carolina and is a bank holding company registered under the Bank Holding Company Act of 1956 (the BHCA ). Our primary business is to serve as the holding company for Southern First Bank (the Bank ), a South Carolina state bank.
911.34% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 38.7% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$3M
▼ -38.7% YoY
Net Income (TTM)
$35M
▲ +95.5% YoY
Net Margin
1227.18%
P/E
—
Balance Sheet
Total Assets
$4.58B
Equity
$379M
Total Debt
$0.00
Cash & Equiv.
$343M
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