Stocktoria
SOUTHERN FIRST BANCSHARES INC SFST
SOUTHERN FIRST BANCSHARES INC (SFST) earns a Piotroski F-score of 5/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $6.3M at a 483.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SFST | SOUTHERN FIRST BANCSHARES INC | 5/9 | — | 19.1 | — |
| MRBK | Meridian Corp | 5/9 | — | 10.9 | — |
| CBKM | CONSUMERS BANCORP INC /OH/ | 2/9 | — | 10.3 | — |
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
| UBOH | UNITED BANCSHARES INC/OH | 5/9 | — | 9.2 | — |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
All Finance, Insurance & Real Estate companies →
About SOUTHERN FIRST BANCSHARES INC
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company offers other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
FAQ
Is SFST financially healthy?
SOUTHERN FIRST BANCSHARES INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does SFST pay a dividend?
No, SOUTHERN FIRST BANCSHARES INC does not currently pay a dividend.
How profitable is SFST?
In FY2025, SOUTHERN FIRST BANCSHARES INC had a net margin of 483.4% and a return on equity of 8.2%.
Is SFST overvalued or undervalued?
SOUTHERN FIRST BANCSHARES INC trades at about 17.2× trailing earnings — near its 10-year norm (10-year range 10.0×–24.7×, median 17.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for SFST?
The average Wall-Street price target for SOUTHERN FIRST BANCSHARES INC is $66.50, about 3.7% above the recent price, from 2 analysts.
Is SFST a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SOUTHERN FIRST BANCSHARES INC: a Piotroski F-score of 5/9, a P/E of about 19.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.