SFST · Southern First Bancshares Inc
$60.00
+0.35 (+0.59%)
At close · Oct 12
Return incl. dividend (before tax)
Market Cap
$564.99M
Shares
9.47M
Volume · Oct 12
28.63K
Avg daily vol (3M)
99.28K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$59.65
Open$60.10
Day$59.60–60.16
52W close$41.15–64.60
Avg vol 30d84K
Short int420K · 4.4% float · 4.2d
Short vol70%
Last earningsJul 21, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 3
Up next
Next earnings call
Oct 19, 2026
Est · unconfirmed
· in 1 wks
filed Aug 3, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$6.11M
Trailing 12 months
Net income (TTM)
$39.60M
Trailing 12 months
Revenue growth YoY
-15.7%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
12.8
Trailing earnings · reciprocal yield 7.8%
FCF yield
6.9%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$361.63M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+14.6%
Year over year · more shares
Price change (1Y)
+39.4%
Trailing year
Short interest
4.4%
Latest settlement · 4.2 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.8 · calm
Equity put/call 0.56
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
−4%
below
RSI (14)
41
neutral
MACD trend
Positive
52-week position
79%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−6%
trailing
6-month return
+6%
trailing
YTD return
+16%
this year
Relative strength
−4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $62 › 200d $58 — 50d above 200d
Institutional flow
Accumulating
6 of 165 funds reported for Sep 30 · net +340 sh shares · +1 new
Insider flow
Distributing
Net -$2.2M over 90 days · 80% sells
Short interest
Rising
4.44% of float · ▲ +1.5% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
165 holders — near 3-yr high, broad support
Squeeze score
60
elevated · 0–100
Fundamentals
Revenue growth
+13%
Y/Y
EPS growth
+95%
Y/Y
Free cash flow
$29.9M
Valuation
P/E 12.8
in line
Buyback
$10.0M
authorized
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.2%
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
+2%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
41
Neutral
MACD trend
Positive
Bullish
52-week position
79%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $62 › 200d $58 — 50d above 200d
Institutional flow
Accumulating
6 of 165 funds reported for Sep 30 · net +340 sh shares · +1 new
Insider flow
Distributing
Net -$2.2M over 90 days · 80% sells
Short interest
Rising
4.44% of float · ▲ +1.5% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
165 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $41
Now $60 · 79%
Range high $65
vs 200-day avg +2%
vs 50-day avg -4%
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 |
|---|---|---|---|
| Allowance for credit losses to gross loans | 1.1% | the three months ended June 30, 2026 filing | — |
| Allowance for credit losses to nonperforming loans | 395.41% | the three months ended June 30, 2026 filing | +9.1% |
|
|
|||
| efficiency ratio | 56.8% | the second quarter of 2026 filing | — |
| Foregone interest income on nonaccrual loans | $220,000 | the second quarter of 2026 filing | +74.6% |
|
|
|||
| Net charge-offs to average loans (annualized) | 0.01% | the three months ended June 30, 2026 filing | — |
| Net interest margin (tax equivalent basis) | 2.87% | the second quarter of 2026 filing | — |
| Net interest spread | 2.11% | the three months ended June 30, 2026 filing | — |
| Reserve for unfunded commitments to total unfunded loan commitments | 0.24% | the three months ended June 30, 2026 filing | — |
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
|
$564.99M | +15.8% | +13.0% | 12.8 | 4.4% |
|
MFG
Mizuho Financial Group Inc
|
$128.41B | +44.9% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$114.51B | -39.0% | -3.2% | — | 0.7% |
|
ITUB
Itau Unibanco Holding S.A.
|
$111.98B | +41.9% | — | — | 0.2% |
|
IBN
Icici Bank Ltd
|
$100.11B | -6.4% | — | — | 0.6% |
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
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SFST | -2.0% | -5.5% | +6.3% | +0.7% | +15.8% |
| SPY | +1.2% | +1.9% | +9.9% | +2.1% | +14.2% |
| vs SPY | -3.1% | -7.4% | -3.6% | -1.4% | +1.6% |
Capital returns
Buyback program
· as of Aug 27, 2026
Authorized
$10.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.