SFST
NEUTRAL
$57.78
Live
Southern First Bancshares, Inc. · NASDAQ
Target $64.0
(+10.8%)
$31.52
52W Range
$62.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 19, 2026
Market cap
$476.55M
P/E
15.53
ROE
8.7%
Profit margin
26.4%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
80%
SFST presents a dichotomy between strong fundamental growth and bearish sentiment. The company is trading below its Graham Number ($61.29) and significantly below its growth-based intrinsic value ($109.74), supported by an impressive 75.2% YoY earnings growth. However, a Piotroski F-Score of 4/9 indicates only stable financial health rather than strength, and a technical trend score of 10/100 suggests significant short-term momentum loss. While the valuation is attractive, aggressive insider selling by the CEO and officers creates a cautionary signal that offsets the growth metrics.
Key Strengths
Exceptional YoY earnings growth of 75.20%
Strong recent earnings track record with 3/4 beats and 17.95% average surprise
Attractive forward P/E ratio of 9.03
Trading at a discount to both Graham Number and Intrinsic Value
Robust 1-year price appreciation of 82.2%
Key Risks
Bearish insider sentiment with multiple sales including the CEO
Very weak technical trend (10/100) indicating potential further price decline
Piotroski F-Score of 4/9 suggests mediocre financial health improvement
Lack of dividend yield provides no floor for long-term income investors
Regional bank sector volatility and concentration risks
AI Fair Value Estimate
Based on comprehensive analysis
$84.01
+45.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
59
Moderate
85
90
70
50
0
AI Verdict
Value Trap Risk
Key drivers: High EPS growth, Undervaluation vs Intrinsic Value, Strong Insider Selling, Bearish Technicals
Confidence
85%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E 15.53 is low relative to sector average
- Price is below Graham Number of $61.29
Watchpoints
- P/S ratio of 4.14 is slightly elevated
Future
90/100
Ref Growth rates
Positives
- Revenue growth 22.60%
- Earnings growth 75.20%
Watchpoints
- Sustainability of triple-digit growth spikes
Past
70/100
Ref Historical trends
Positives
- Strong 1Y and 3Y price performance
Watchpoints
- Historical earnings volatility over 25 quarters
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski score 4/9 is in the 'Stable' range
Watchpoints
- No Altman Z-Score available
- ROE of 8.69% is modest for the growth rate
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- Zero dividend yield
- 0/100 dividend strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$57.78
Analyst Target
$64.0
Upside/Downside
+10.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SFST and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SFST
Southern First Bancshares, Inc.
Primary
|
+13.3% | +97.5% | +82.2% | +40.4% | +12.7% | -1.1% |
|
MEVO
M Evo Global Acquisition Corp II
Peer
|
+0.1% | +0.1% | +0.1% | +0.1% | +0.2% | +0.1% |
|
CHW
Calamos Global Dynamic Income Fund
Peer
|
+9.8% | +64.0% | +45.4% | +0.5% | -0.3% | +3.0% |
|
ACNB
ACNB Corporation
Peer
|
+69.7% | +57.1% | +18.8% | +5.0% | -11.1% | -2.1% |
|
OBT
Orange County Bancorp, Inc.
Peer
|
+145.2% | +65.9% | +63.2% | +44.6% | +12.3% | +2.7% |
SFS
Southern First Bancshares, Inc.
Primary
5Y
+13.3%
3Y
+97.5%
1Y
+82.2%
6M
+40.4%
1M
+12.7%
1W
-1.1%
MEV
M Evo Global Acquisition Corp II
Peer
5Y
+0.1%
3Y
+0.1%
1Y
+0.1%
6M
+0.1%
1M
+0.2%
1W
+0.1%
CHW
Calamos Global Dynamic Income Fund
Peer
5Y
+9.8%
3Y
+64.0%
1Y
+45.4%
6M
+0.5%
1M
-0.3%
1W
+3.0%
ACN
ACNB Corporation
Peer
5Y
+69.7%
3Y
+57.1%
1Y
+18.8%
6M
+5.0%
1M
-11.1%
1W
-2.1%
OBT
Orange County Bancorp, Inc.
Peer
5Y
+145.2%
3Y
+65.9%
1Y
+63.2%
6M
+44.6%
1M
+12.3%
1W
+2.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.53
Forward P/E
9.03
PEG Ratio
N/A
P/B Ratio
1.29
P/S Ratio
4.14
EV/Revenue
4.29
EV/EBITDA
N/A
Market Cap
$476.55M
Profitability
Profit margins and return metrics
Profit Margin
26.37%
Operating Margin
44.13%
Gross Margin
N/A
ROE
8.69%
ROA
0.71%
Growth
Revenue and earnings growth rates
Revenue Growth
+22.6%
Earnings Growth
+75.2%
Q/Q Revenue Growth
+26.28%
Q/Q Earnings Growth
+75.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$32.66
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
31.0%
Total Assets
$4.4B
Liabilities
$4.0B
Equity
$0.4B
Debt/Equity
10.94x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
113%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-21
$N/A
2026-01-22
$1.21
+9.0% surprise
2025-10-28
$1.07
+20.2% surprise
2025-07-22
$0.81
+24.6% surprise
Financial Services Sector Comparison
Comparing SFST against 525 companies in the Financial Services sector
(96 bullish, 216 neutral, 213 bearish)
P/E Ratio
15.53
This Stock
vs
43.93
Sector Avg
-64.6%
(Discount)
Return on Equity (ROE)
8.69%
This Stock
vs
0.14%
Sector Avg
+5985.5%
(Excellent)
Profit Margin
26.37%
This Stock
vs
46.8%
Sector Avg
-43.6%
(Weaker)
Revenue Growth
22.6%
This Stock
vs
40.4%
Sector Avg
-44.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SFST
Southern First Bancshares, Inc.
|
NEUTRAL | $476.55M | 15.53 | 8.7% | 26.4% | $57.78 | |
|
MEVO
M Evo Global Acquisition Corp II
|
BEARISH | $476.81M | - | -% | -% | $9.87 | Compare |
|
CHW
Calamos Global Dynamic Income Fund
|
BULLISH | $477.71M | 5.12 | 17.8% | 593.1% | $7.48 | Compare |
|
ACNB
ACNB Corporation
|
NEUTRAL | $482.69M | 12.91 | 10.2% | 25.3% | $46.48 | Compare |
|
OBT
Orange County Bancorp, Inc.
|
BULLISH | $469.9M | 10.62 | 17.7% | 34.8% | $35.15 | Compare |
SFST
Southern First...
NEUTRAL
Mkt Cap
$477M
P/E
15.5
ROE
8.7%
Price
$57.78
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-06 | MANER WILLIAM A. IV | Director | Purchase | 400 | $20,940 |
| 2026-02-26 | KING SILVIA T | Officer | Sale | 2,625 | $158,796 |
| 2026-02-26 | KING SILVIA T | Officer | Option Exercise | 2,625 | $99,100 |
| 2026-01-30 | KING SILVIA T | Officer | Stock Award | 700 | - |
| 2026-01-30 | HURST CALVIN C | President | Stock Award | 4,500 | - |
| 2026-01-30 | ZYCH CHRISTIAN J | Chief Financial Officer | Stock Award | 3,500 | - |
| 2026-01-30 | FAIRCHILD JULIE ANN | Officer | Stock Award | 875 | - |
| 2026-01-30 | WILBANKS WESLEY CLARK | Officer | Stock Award | 1,800 | - |
| 2026-01-30 | SEAVER R ARTHUR JR | Chief Executive Officer | Stock Award | 6,500 | - |
| 2025-12-15 | SEAVER R ARTHUR JR | Chief Executive Officer | Sale | 10,000 | $551,419 |
| 2025-12-15 | SEAVER R ARTHUR JR | Chief Executive Officer | Option Exercise | 10,000 | $356,500 |
| 2025-12-10 | ELLISON DAVID GAILLARD | Director | Sale | 1,000 | $53,285 |
| 2025-11-24 | FAIRCHILD JULIE ANN | Officer | Option Exercise | 1,500 | $34,500 |
| 2025-11-21 | FAIRCHILD JULIE ANN | Officer | Sale | 1,258 | $62,900 |
| 2025-11-03 | ELLISON DAVID GAILLARD | Director | Purchase | 200 | $8,700 |
MANER WILLIAM A. IV
Director
2026-03-06
400 shares
·
$20,940
KING SILVIA T
Officer
2026-02-26
2,625 shares
·
$158,796
KING SILVIA T
Officer
2026-02-26
2,625 shares
·
$99,100
KING SILVIA T
Officer
2026-01-30
700 shares
HURST CALVIN C
President
2026-01-30
4,500 shares
ZYCH CHRISTIAN J
Chief Financial Officer
2026-01-30
3,500 shares
FAIRCHILD JULIE ANN
Officer
2026-01-30
875 shares
WILBANKS WESLEY CLARK
Officer
2026-01-30
1,800 shares
SEAVER R ARTHUR JR
Chief Executive Officer
2026-01-30
6,500 shares
SEAVER R ARTHUR JR
Chief Executive Officer
2025-12-15
10,000 shares
·
$551,419
SEAVER R ARTHUR JR
Chief Executive Officer
2025-12-15
10,000 shares
·
$356,500
ELLISON DAVID GAILLARD
Director
2025-12-10
1,000 shares
·
$53,285
FAIRCHILD JULIE ANN
Officer
2025-11-24
1,500 shares
·
$34,500
FAIRCHILD JULIE ANN
Officer
2025-11-21
1,258 shares
·
$62,900
ELLISON DAVID GAILLARD
Director
2025-11-03
200 shares
·
$8,700
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
8-K
DEF 14A
10-K
10-Q
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
Piper Sandler
2026-02-05
Overweight
Overweight
Past News Coverage
Recent headlines mentioning SFST from our newsroom.
Newest → oldest
No matching news yet.