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Southern First

NMQ:SFST · US8428731017
BanksSmall

360

59
Profit price20
Cash yield1
Price/Sales35
EV / Gross Profit39
Price/Book35
Returns on capital54
Profit margins—
Cash Conversion37
Accruals31
Owner Earnings Margin50
Sales growth82
Profit Growth87
Owner Earnings Growth67
Reinvestment90
Price momentum92
Debt load54
Debt serviceability30
Liquidity21
Analyst ratings59
Opinion Changes50
Price Target Upside62
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Southern First generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGM
Founded1999
Websitesouthernfirst.com
ISINUS8428731017
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank engages in the business of accepting demand deposits and savings deposits. The company provides commercial, consumer and mortgage loans to the general public…

Analysis

Weak and unloved

Southern First Bancshares, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is fair. You pay 15.1× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
24
2023202420252026

All-time high

73

Jan 2026

All-time low

1

Jan 2025

Average rank

28

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
35
83
31
11
Price/Earnings
27
22
1
48
Price/Book
35
77
63
7
Dividend Yield
1
1
1
1
Value (overall)
10
13
14
5

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →