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SOUTHERN FIRST BANCSHARES INC SFST

Nasdaq · stock · National Commercial Banks · website · IPO 1999-10-26

SOUTHERN FIRST BANCSHARES INC statistics & valuation

Market cap$578.9M
P / E19.1×
P / S92.2×
P / B1.6×
P / FCF19.4×
Net margin483.4%
Return on equity8.2%
FCF margin475.6%
Graham number -4.4%$61.29

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($61.29); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
190.70% 253.20% 402.00% 280.70% 92.60% 410.60% 693.50% 332.70% 279.30% 483.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
11.90% 8.70% 12.80% 13.50% 8.00% 16.80% 9.90% 4.30% 4.70% 8.20% 2016201720182019202020212022202320242025
Shares outstanding
6.7M 7.4M 7.7M 7.8M 7.8M 8.0M 8.1M 8.1M 8.2M 8.2M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 0.80% 1.20% 1.20% 0.70% 1.60% 0.80% 0.30% 0.40% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
170.60% 229.30% 536.80% 99.50% 67.40% 453.20% 866.00% 406.60% 445.60% 475.60% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.94 $1.76 $2.88 $3.58 $2.34 $5.85 $3.61 $1.66 $1.91 $3.72 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

SOUTHERN FIRST BANCSHARES INC trades at about 17.2× earnings — near its 10-year norm (10-year range 10×–24.7×, median 17.1×).

10× 24.7×

Shaded band = 10-year range (10×–24.7×); dot = today's 17.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin483.4%279.3%332.7%693.5%410.6%92.6%280.7%402.0%253.2%190.7%
FCF margin475.6%445.6%406.6%866.0%453.2%67.4%99.5%536.8%229.3%170.6%
Return on assets0.7%0.4%0.3%0.8%1.6%0.7%1.2%1.2%0.8%1.0%
Return on equity8.2%4.7%4.3%9.9%16.8%8.0%13.5%12.8%8.7%11.9%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.