SFST

Equibles Rating blended score · not investment advice

Overall

Buy

SellHoldBuy

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

Market backdrop VIX 16.9 · calm Equity put/call 0.86

Technical

price trend

Strong 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 Positive

52-week position 90%

near high

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +4%

trailing

6-month return +17%

trailing

YTD return +19%

this year

Relative strength +9%

vs S&P · 6-mo

Sentiment

smart money

Bearish

Trend (MA cross) No cross

50d $58 › 200d $53 — 50d above 200d

Institutional flow Distributing

3 of 149 funds reported for Jun 30 · net -11.6K sh shares

Insider flow Distributing

Net -$46.4K over 90 days · 100% sells

Short interest Rising

2.02% of float · ▲ +45.2% MoM · 1.5 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

149 holders — near 3-yr high, broad support

Squeeze score 59

elevated · 0–100

Fundamentals

Excellent

EPS growth +95%

Y/Y

Free cash flow $29.9M

Valuation P/E 14

in line

Balance sheet $5.8M

net cash

Quant / Vol

risk profile

Moderate

Volatility 31%

annualized · 1-yr

Max drawdown −16%

past year

ATR 2.8%

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.

Up next

Next earnings call

Jul 13, 2026 Est · unconfirmed · in 1 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed May 1, 2026

Technicals

trend & momentum for long-term holders Strong Buy

0 · 3 · 4

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

Positive Bullish

52-week position

90% Bullish

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bearish · 3 of 6

Trend (MA cross) No cross

50d $58 › 200d $53 — 50d above 200d

Institutional flow Distributing

3 of 149 funds reported for Jun 30 · net -11.6K sh shares

Insider flow Distributing

Net -$46.4K over 90 days · 100% sells

Short interest Rising

2.02% of float · ▲ +45.2% MoM · 1.5 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 $61 · 90% 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	378.22%	Quarter Ended March 31, 2026	—

Leverage ratio	9.05%	Quarter Ended March 31, 2026	—

Loans to deposits	101.78%	Quarter Ended March 31, 2026	—

Nonperforming assets/total assets	0.26%	Quarter Ended March 31, 2026	—

Total risk-based capital ratio	12.83%	Quarter Ended March 31, 2026	—

Book value per common share	$44.89	Q4 2025	—
Classified assets/tier one capital plus allowance for credit losses	4.22%	Q4 2025	—
Tier 1 risk-based capital ratio	11.44%	Q4 2025	—

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	$562.20M	+18.6%	—	14.0	2.0%
HDB Hdfc Bank Ltd	$134.25B	-28.4%	+15.2%	—	0.3%
MFG Mizuho Financial Group Inc	$123.95B	+39.2%	—	—	0.1%
IBN Icici Bank Ltd	$103.47B	-3.2%	—	—	0.7%
PNC Pnc Financial Services Group, Inc.	$102.00B	+22.6%	+7.2%	14.8	1.9%

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

149

% held: 71.8%
Reported: 3 of 149
Top holder: T. Rowe Price Investment…

Held Float

View

Held by Funds

Fund positions

166

View

Short & Settlement

Short Interest Rising

Shares short

190.6K

Days to cover: 1.5d
Change: +59.3K sh

View

Short Volume

Short vol %

52%

As of: Jul 8, 2026

Short Total

View

Fails to Deliver

FTD shares

1.0K

Value: $58.2K
As of: Jun 3, 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)

-$46.4K

Buyers / Sellers: 0 / 1

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: Jun 2, 2026
This year: 10

View

Proposed Sales

Value

$158.8K

Shares: 2.6K
Filed: Feb 26, 2026

View

Earnings & Events

Earnings Calls

Last call

Apr 15, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
SFST	+0.2%	+3.7%	+16.9%	+0.0%	+18.6%
SPY	+0.9%	+1.4%	+7.6%	+0.1%	+9.7%
vs SPY	-0.7%	+2.3%	+9.3%	-0.1%	+9.0%

Price & Indicators

Technicals

Key metrics

Versus peers

At a glance

Performance