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Southern First Bancshares Inc. Quality Score

SFST

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Quality67

Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 60/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
12.7x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.26x

1.3x book, reasonable for a financial

Book Value Growth
100/100
9.8%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
0/100
18.5%

Heavy dilution above 5%

Return on Equity
60/100
9.3%

5–10%, adequate but not exceptional

Capital Adequacy
80/100
9.5%

9.5% equity/assets, comfortable cushion

Margin Trend
100/100
+7108.3pp

Net margin expanded 3+pp, strong improvement

Southern First Bancshares (SFST) quality: score, margins and returns

Southern First Bancshares (SFST) scores 67/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Southern First Bancshares (SFST) 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 rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Southern First Bancshares's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from SFST's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Southern First Bancshares scores well and where it falls behind.

How profitable is Southern First Bancshares?+

Southern First Bancshares runs a net margin of about 5,620.6%. Revenue has grown at roughly -1.8% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 22 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 31 Oct 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

SFST is in 21 US ETFs. The largest of them, with SFST's weight in each:

Spot a number that looks wrong? Check it in SFST's SEC filings or

Download this analysis as a PDF (Pro)

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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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.