SFST · Southern First Bancshares Inc

Track SFST — free Ask ALVIS about SFST

$61.27 -1.22 (-1.95%)

Market Cap

$590.85M

9.46M

Up next

Next earnings call

Oct 19, 2026 Est · unconfirmed · in 12 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed May 1, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

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

Market backdrop VIX 18.2 · elevated Equity put/call 0.71

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +15%

above

Price vs 50-day avg +5%

above

RSI (14) 58

neutral

MACD trend Negative

52-week position 94%

near high

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +2%

trailing

6-month return +11%

trailing

YTD return +21%

this year

Relative strength +3%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $60 › 200d $55 — 50d above 200d

Institutional flow Distributing

26 of 149 funds reported for Jun 30 · net -13.9K sh shares · +2 new

Insider flow Distributing

Net -$61.4K over 90 days · 100% sells

Short interest Falling

4.07% of float · ▼ -11.7% MoM · 3.5 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

149 holders — near 3-yr high, broad support

Squeeze score 53

elevated · 0–100

Fundamentals

Excellent

Revenue growth +13%

Y/Y

EPS growth +95%

Y/Y

Free cash flow $29.9M

Valuation P/E 14.7

in line

Balance sheet $5.8M

net cash

Quant / Vol

risk profile

Moderate

Volatility 30%

annualized · 1-yr

Max drawdown −16%

past year

ATR 3.0%

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

+15% Bullish

Price vs 50-day avg

+5% Bullish

RSI (14)

58 Neutral

MACD trend

Negative Bearish

52-week position

94% Bullish

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $60 › 200d $55 — 50d above 200d

Institutional flow Distributing

26 of 149 funds reported for Jun 30 · net -13.9K sh shares · +2 new

Insider flow Distributing

Net -$61.4K over 90 days · 100% sells

Short interest Falling

4.07% of float · ▼ -11.7% MoM · 3.5 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

149 holders — near 3-yr high, broad support

Price context

position in its 52-week range

52-wk low $38 Now $62 · 94% 52-wk high $64

vs 200-day avg +15% vs 50-day avg +5%

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

Key metrics

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

Metric	Latest	Period	YoY
Allowance for credit losses/nonaccrual loans	395.41%	Q2 2026	—

Classified assets/Tier 1 capital plus allowance for credit losses	3.15%	Q2 2026	—

Common Equity Tier 1 ratio	12.82%	Q2 2026	—

Efficiency ratio	56.84%	Q2 2026	—

Leverage ratio	10.11%	Q2 2026	—

Loans to deposits	102.41%	Q2 2026	—

Net charge-offs (recoveries)/average loans (YTD annualized)	0.01%	Q2 2026	—

Net interest margin (tax-equivalent)	2.87%	Q2 2026	—

Noninterest expense to average assets	1.75%	Q2 2026	—

Nonperforming assets/total assets	0.27%	Q2 2026	—

Return on average assets	0.96%	Q2 2026	—

Return on average equity	10.28%	Q2 2026	—

Tangible common equity	9.62%	Q2 2026	—

Tier 1 risk-based capital ratio	13.19%	Q2 2026	—

Total risk-based capital ratio	14.42%	Q2 2026	—

Accruing loans 30 days or more past due/loans	0.13%	Q4 FY2025	—
Book value per common share	$44.89	Q4 FY2025	—

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

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	$590.85M	+21.3%	-3.9%	14.7	4.1%
HDB Hdfc Bank Ltd	$121.08B	-35.5%	+15.2%	—	0.4%
MFG Mizuho Financial Group Inc	$119.51B	+37.8%	—	—	0.1%
IBN Icici Bank Ltd	$106.74B	+1.5%	—	—	0.6%
PNC Pnc Financial Services Group, Inc.	$101.03B	+21.5%	+7.2%	14.6	1.7%

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 Reducing

Holders

151

% held: 71.7%
Reported: 26 of 149
Top holder: T. Rowe Price Investment…

Held Float

View

Held by Funds

Fund positions

167

View

Short & Settlement

Short Interest Falling

Shares short

385.2K

Days to cover: 3.5d
Change: -51.2K sh

View

Short Volume

Short vol %

57%

As of: Jul 29, 2026

Short Total

View

Fails to Deliver

FTD shares

409

Value: $23.7K
As of: Jun 18, 2026

View

Off-Exchange

Off-exchange %

44.9%

Week of: May 4, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$61.4K

Buyers / Sellers: 0 / 2

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

8-K

Filed: Jul 21, 2026
This year: 11

View

Proposed Sales

Value

$158.8K

Shares: 2.6K
Filed: Feb 26, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 21, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
SFST	+1.8%	+2.1%	+10.7%	+2.3%	+21.3%
SPY	-1.0%	0.0%	+7.4%	-0.8%	+8.6%
vs SPY	+2.8%	+2.1%	+3.3%	+3.1%	+12.7%

Key facts CIK 1090009 CUSIP 842873101 13F (30d) 26 filings 26 filers Visit website Investor relations

SFST · Southern First Bancshares Inc

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance