Southern First Bancshares Inc.
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.
$60.07
-$0.86 (-1.41%)
EOD Oct 21, 2026
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.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
12.9x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$2M
▼ -38.7% YoY
Net Income (TTM)
$40M
▲ +95.5% YoY
Net Margin
1736.89%
P/E
12.9x
Balance Sheet
Total Assets
$4.70B
Equity
$452M
Total Debt
$0.00
Cash & Equiv.
$362M
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SourceComputed from the 10-Q filed 28 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 12 Oct 2026. How this is calculated.
Price from market data, last close as of 21 Oct 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
Is Southern First Bancshares (SFST) overvalued?
At a P/E of 12.9 and a price-to-free-cash-flow of 14.5, Southern First Bancshares (SFST) trades below a two-stage DCF intrinsic value of about $111.82 per share, so at $60.07 the stock looks undervalued (86.2% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Southern First Bancshares scores 67/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is Southern First Bancshares's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $111.82 per share for SFST, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $83.87. At today's $60.07, that puts the stock about 86.2% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is Southern First Bancshares a high-quality business?+
Southern First Bancshares scores 67 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Southern First Bancshares a good stock to buy right now?+
That depends on valuation and quality together, not either alone. SFST currently trades below its estimated intrinsic value and scores 67/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.
Related stocks: National Commercial Banks
Spot a number that looks wrong? Check it in SFST's SEC filings or
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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