Southern First's net interest income has compounded from $19.5M in 2024Q2 to $34.7M in 2026Q3, and efficiency improved from 80.9% to 54.1%, suggesting operating leverage is taking hold as the balance sheet grows toward $4.9B.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 20, 2026 | $1.28+2.4% vs $1.25 | $38M-0.2% vs $38M |
Q3 2026 Jul 21, 2026 | $1.20+0.8% vs $1.19 | $36M-1.2% vs $36M |
Q2 2026 Apr 21, 2026 | $1.19-0.8% vs $1.20 | $34M+2.1% vs $33M |
Q1 2026 Jan 22, 2026 | $1.21+9.0% vs $1.11 | $32M-0.2% vs $32M |
Although the revenue and EPS for Southern First (SFST) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Southern First (SFST) came out with quarterly earnings of $1.28 per share, beating the Zacks Consensus Estimate of $1.26 per share. This compares to earnings of $1.07 per share a year ago.
GREENVILLE, S.C., Oct. 20, 2026 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST) (Southern First), today announced its financial results for the three months ended September 30, 2026.
Benchmark SFST against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Southern First Bancshares, Inc. (SFST)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $59.27 | $560.41M | 13.14 | 26.52% | 31.05% | 10.39% | — | |
| $80.76 | $879.73M | 14.02 | 4.59% | 29.51% | 10.07% | 2.03% | |
| $60.94 | $479.48M | 10.79 | 10.25% | 28.49% | 9.96% | 1.88% | |
| $20.24 | $428.25M | 11.48 | 10.92% | 35.39% | 9.73% | 2.23% | |
| $52.83 | $2.75B | 12.68 | 14.54% | 28.98% | 11.31% | 2.7% | |
| $70.46 | $776.16M | 10.31 | 9.81% | 38.16% | 12.91% | 1.42% |
Southern First Bancshares, Inc. (SFST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Southern First Bancshares, Inc. (SFST) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 20, 2026·SEC
Jul 21, 2026·SEC
Jun 2, 2026·SEC
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Southern First Bancshares, Inc. (SFST) stock FAQ — growth, dividends, profitability & financials explained
Southern First Bancshares, Inc. (SFST) grew revenue by 24.7% over the trailing twelve months, compared with the twelve months before.
Yes. Southern First Bancshares, Inc. (SFST) earned $43.2M in net income over the trailing twelve months (a 31.0% net margin).
Southern First Bancshares, Inc. (SFST) had a return on equity (ROE) of 10.4% over the trailing twelve months. That is in line with the market's typical 10-15%.
Southern First Bancshares, Inc. (SFST) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
Southern First Bancshares, Inc. (SFST) has an efficiency ratio of 64.0%. This is reasonable for a bank.
