SFST · Southern First Bancshares Inc
$62.07
+0.11 (+0.17%)
At close · Aug 27
Market Cap
$586.92M
Shares
9.47M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$61.97
Open$62.46
Day$61.91–62.88
52W close$41.15–64.60
Avg vol 30d113K
Short int359K · 3.8% float · 3.7d
Short vol47%
Last earningsJul 21, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 3
Up next
Next earnings call
Oct 19, 2026
Est · unconfirmed
· in 7 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 3, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.5 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
+0%
above
RSI (14)
45
neutral
MACD trend
Negative
52-week position
89%
near high
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+15%
trailing
YTD return
+20%
this year
Relative strength
+3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $62 › 200d $57 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$1.6M over 90 days · 100% sells
Short interest
Rising
3.79% of float · ▲ +2.3% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
164 holders — near 3-yr high, broad support
Squeeze score
52
elevated · 0–100
Fundamentals
Revenue growth
+13%
Y/Y
EPS growth
+95%
Y/Y
Free cash flow
$29.9M
Valuation
P/E 13.3
in line
Balance sheet
$5.8M
net cash
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.4%
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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
89%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $62 › 200d $57 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$1.6M over 90 days · 100% sells
Short interest
Rising
3.79% of float · ▲ +2.3% MoM · 3.7 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 $62 · 89%
Range high $65
vs 200-day avg +9%
vs 50-day avg +0%
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 | — |
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| additional common shares issued | 1.2M | the second quarter | — |
| allowance for credit losses | 1.1% | the second quarter | — |
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| Allowance for credit losses/nonaccrual loans | 395.41% | the second quarter | — |
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| Classified assets/Tier 1 capital plus allowance for credit losses | 3.15% | the second quarter | — |
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| Common Equity Tier 1 ratio | 12.82% | the second quarter | — |
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| Common Equity Tier 1 ratio (CET1) | 12.81% | the second quarter | — |
| 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 | — |
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| loan portfolio | 9% | the second quarter | — |
| Loans to deposits | 102.41% | the second quarter | — |
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| Net interest income (tax equivalent) / margin | 32.38M | 2Q26 | — |
| Net interest margin | 2.87% | the second quarter | — |
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| 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 | — |
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| Service fees on deposit accounts | 53% | the second quarter | — |
| Tangible common equity (TCE) ratio | 9.62% | the second quarter | — |
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| Tier 1 risk-based capital ratio | 13.19% | the second quarter | — |
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| 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 | — |
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| Total wholesale deposits | 379.41M | Jun 30 2026 | — |
| Yield on average loans | 5.35% | Jun 30 2026 | — |
| ADC Concentration | 49% | Q1 2026 | — |
| Average cost of new retail deposits | 2.55% | Q1 2026 | — |
| Average yield on new loan production | 6.49% | Q1 2026 | — |
| Book value per common share | $46 | Q1 FY2026 | — |
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| Classified assets were 3.25% as a percentage of total loans | 3.25% | Q1 FY2026 | — |
| Common equity Tier1 ratio (CET1) | 11.03% | Q1 FY2026 | — |
| Common shares outstanding | 8.25M | Q1 FY2026 | — |
| Efficiency ratio(3) | 59.22% | Q1 FY2026 | — |
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| Loan growth | 10.2% | Q1 2026 | — |
| NCOs / Average Loans | 0.01% | Q1 2026 | — |
| Net charge-offs | 50K | Q1 FY2026 | — |
| Net interest margin (tax-equivalent)(1) | 2.88% | Q1 FY2026 | — |
| NIE / avg. assets | 1.84% | Q1 2026 | — |
| Noninterest expense to average assets (2) | 1.84% | Q1 FY2026 | — |
| Retail deposits | 3.4B | Q1 FY2026 | — |
| Return on average assets(2) | 0.91% | Q1 FY2026 | — |
| Return on average equity(2) | 10.67% | Q1 FY2026 | — |
| Tier 1 Leverage Ratio | 9.05% | Q1 2026 | — |
| Tier 1 RBC Ratio | 11.42% | Q1 2026 | — |
| Total deposit growth | 17.1% | Q1 2026 | — |
| Total loans | 3.9B | Q1 FY2026 | — |
| Total RBC Ratio | 12.86% | Q1 2026 | — |
| Net interest margin (tax-equivalent) | 2.72% | Q4 FY2025 | — |
| Return on average equity | 10.77% | 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SFST
this stock
Southern First Bancshares Inc
|
$586.92M | +20.3% | +13.0% | 13.3 | 3.8% |
|
MFG
Mizuho Financial Group Inc
|
$126.71B | +42.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -38.5% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +29.9% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$105.45B | +1.2% | — | — | 0.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SFST | -0.9% | +1.0% | +15.3% | -0.7% | +20.3% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | -0.5% | -4.0% | +2.9% | -3.3% | +7.9% |
Key facts
CIK
1090009
CUSIP
842873101
13F (30d)
140 filings
139 filers
Visit website
Investor relations