SFST · Southern First Bancshares Inc

Track SFST — free

$62.82 +0.31 (+0.50%) At close · Aug 20

Market Cap

$596.72M

9.47M

Up next

Next earnings call

Oct 19, 2026 Est · unconfirmed · in 8 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 3, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Moderate

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +11%

above

Price vs 50-day avg +2%

above

RSI (14) 50

neutral

MACD trend Negative

52-week position 92%

near high

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +4%

trailing

6-month return +13%

trailing

YTD return +22%

this year

Relative strength +1%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $62 › 200d $56 — 50d above 200d

Institutional flow Accumulating

+9% holders QoQ · +36 funds added

Insider flow Distributing

Net -$1.5M over 90 days · 100% sells

Short interest Falling

3.71% of float · ▼ -8.8% MoM · 2.9 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

164 holders — near 3-yr high, broad support

Squeeze score 55

elevated · 0–100

Fundamentals

Excellent

Revenue growth +13%

Y/Y

EPS growth +95%

Y/Y

Free cash flow $29.9M

Valuation P/E 13.6

in line

Balance sheet $5.8M

net cash

Quant / Vol

risk profile

Moderate

Volatility 30%

annualized · 1-yr

Max drawdown −16%

past year

ATR 2.6%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Buy

1 · 3 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+11% Bullish

Price vs 50-day avg

+2% Bullish

RSI (14)

50 Neutral

MACD trend

Negative Bearish

52-week position

92% Bullish

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $62 › 200d $56 — 50d above 200d

Institutional flow Accumulating

+9% holders QoQ · +36 funds added

Insider flow Distributing

Net -$1.5M over 90 days · 100% sells

Short interest Falling

3.71% of float · ▼ -8.8% MoM · 2.9 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

164 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $41 Now $63 · 92% Range high $65

vs 200-day avg +11% vs 50-day avg +2%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Accruing loans 30 days or more past due to total loans	0.1%	the second quarter	—

additional common shares issued	1.2M	the second quarter	—
allowance for credit losses	1.1%	the second quarter	—
Allowance for credit losses to gross loans	1.1%	Jun 30 2026	—
allowance for credit losses to total loans	1.1%	the second quarter	—
Allowance for credit losses/loans	1.1%	the second quarter	—
Allowance for credit losses/nonaccrual loans	395.41%	the second quarter	—

Classified assets/Tier 1 capital plus allowance for credit losses	3.15%	the second quarter	—

Common Equity Tier 1 ratio	12.82%	the second quarter	—

Common Equity Tier 1 ratio (CET1)	12.81%	the second quarter	—
Common shares outstanding	9.47M	Jun 30 2026	—
Cost of average deposits	2.37%	Jun 30 2026	—
Cost of average retail deposits	2.11%	Jun 30 2026	—
gross proceeds	$65.2M	the second quarter	—
Leverage ratio	10.11%	the second quarter	—

loan portfolio	9%	the second quarter	—
Loans to deposits	102.41%	the second quarter	—

Net charge-offs (recoveries) to average loans QTD (annualized)	0.01%	Jun 30 2026	—
Net interest income (tax equivalent) / margin	32.38M	2Q26	—
Net interest margin	2.87%	the second quarter	—
Net interest spread	2.11%	2Q26	—
Nonperforming assets	0.27%	the second quarter	—
Nonperforming assets as a percentage of Total loans	0.31%	Jun 30 2026	—
Nonperforming assets to total assets	0.27%	the second quarter	—

Service fees on deposit accounts	53%	the second quarter	—
Tangible common equity	9.62%	the second quarter	—

Tangible common equity (TCE) ratio	9.62%	the second quarter	—
Tier 1 risk-based capital ratio	13.19%	the second quarter	—

Total nonperforming assets	12.56M	Jun 30 2026	—
Total retail deposits	3.56B	Jun 30 2026	—
Total risk-based capital ratio	14.42%	the second quarter	—

Total wholesale deposits	379.41M	Jun 30 2026	—
Yield on average loans	5.35%	Jun 30 2026	—
Efficiency ratio	59.22%	Q1 FY2026	—

Net charge-offs (recoveries)/average loans (YTD annualized)	0.01%	Q1 FY2026	—
Net interest margin (tax-equivalent)	2.88%	Q1 FY2026	—

Noninterest expense to average assets	1.84%	Q1 FY2026	—
Return on average assets	0.91%	Q1 FY2026	—
Return on average equity	10.67%	Q1 FY2026	—

Book value per common share	$44.89	Q4 FY2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
SFST Southern First Bancshares Inc this stock	$596.72M	+21.9%	+13.0%	13.6	3.7%
MFG Mizuho Financial Group Inc	$123.19B	+38.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.1%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+18.7%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

164

% held: 90.3%
Net QoQ: +1.7M sh
Top holder: FJ Capital Management LLC

Held Float

View

Held by Funds

Fund positions

171

View

Short & Settlement

Short Interest Falling

Shares short

351.4K

Days to cover: 2.9d
Change: -33.8K sh

View

Short Volume

Short vol %

66%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $250
As of: Jul 29, 2026

View

Off-Exchange

Off-exchange %

37.1%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$1.5M

Buyers / Sellers: 0 / 4

Buyers Sellers

View

Congressional Trades Sell

Member

William R. Timmons

Amount: $1.0K–$15.0K
Traded: Jun 29, 2020

View

Financials

Net income (FY)

$30.4M

EPS diluted: $3.72

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 3, 2026
This year: 12

View

Proposed Sales

Value

$1.3M

Shares: 21.0K
Filed: Aug 12, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 21, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
SFST	-2.8%	+3.8%	+12.5%	+0.7%	+21.9%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	-0.8%	+0.4%	+1.3%	-1.4%	+10.1%

Key facts CIK 1090009 CUSIP 842873101 13F (30d) 150 filings 149 filers Visit website Investor relations

SFST · Southern First Bancshares Inc

Price & Indicators

Up next

Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance