Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.14 | 11.57 | 12.73 | 11.35 | 10.64 | 10.31 | 11.74 | 12.66 | 14.20 | 15.78 | 19.76 | 25.61 | 17.84 | 13.21 | 19.96 | 23.26 | 16.82 | 10.01 | 12.11 | 12.97 | 10.48 |
| — | +12.3% | +8.4% | -10.3% | -25.0% | -34.7% | -40.6% | -50.6% | -20.4% | +19.5% | -1.0% | +10.1% | +6.0% | +31.9% | +64.8% | +79.3% | +60.4% | +31.0% | +22.1% | +45.0% | +30.5% | |
| P/S Ratio | 4.03 | 3.78 | 3.97 | 3.34 | 3.29 | 2.86 | 2.70 | 2.52 | 3.20 | 2.90 | 2.58 | 3.03 | 3.50 | 2.46 | 2.32 | 2.76 | 3.63 | 2.99 | 3.19 | 3.94 | 5.13 |
| — | +31.9% | +46.9% | +32.7% | +2.7% | -1.3% | +4.6% | -17.0% | -8.7% | +17.9% | +11.5% | +9.7% | -3.5% | -17.6% | -27.3% | -29.9% | -29.3% | -26.4% | -22.0% | +3.4% | +34.1% | |
| P/B Ratio | 1.30 | 1.23 | 1.26 | 1.19 | 1.14 | 1.00 | 0.90 | 0.79 | 0.98 | 0.84 | 0.75 | 0.82 | 0.96 | 0.72 | 0.66 | 0.83 | 1.25 | 1.17 | 1.24 | 1.48 | 1.81 |
| — | +22.7% | +40.6% | +50.6% | +16.3% | +18.5% | +19.9% | -3.6% | +1.8% | +18.0% | +12.7% | -1.2% | -23.5% | -38.7% | -46.7% | -43.8% | -30.8% | -27.6% | -23.6% | -4.6% | +49.3% | |
| P/FCF | 12.38 | 6.94 | 8.51 | 10.77 | — | 6.19 | 7.44 | 8.97 | — | 2.64 | 15.39 | — | 11.12 | 3.44 | — | 58.76 | 7.30 | 4.59 | 25.92 | 51.50 | 6.85 |
| — | +12.2% | +14.4% | +20.0% | — | +134.7% | -51.7% | — | — | -23.4% | — | — | +52.4% | -24.9% | — | +14.1% | +6.5% | -55.3% | +274.3% | +342.1% | +100.8% | |
| EV / EBITDA | 12.68 | 10.90 | 11.60 | 11.21 | 11.04 | 10.46 | 12.45 | 15.18 | 17.11 | 18.25 | 23.67 | 27.85 | 21.95 | 19.37 | 21.40 | 20.04 | 15.45 | 8.34 | 9.18 | 9.04 | 7.02 |
| — | +4.1% | -6.8% | -26.1% | -35.5% | -42.7% | -47.4% | -45.5% | -22.0% | -5.8% | +10.6% | +39.0% | +42.0% | +132.1% | +133.2% | +121.6% | +120.1% | +64.5% | +40.0% | +53.9% | +27.1% | |
| EV / EBIT | 18.66 | 10.90 | 12.45 | 12.06 | 11.70 | 11.41 | 14.08 | 17.74 | 20.06 | 22.09 | 30.96 | 37.84 | 26.90 | 23.81 | 29.24 | 26.85 | 18.02 | 9.23 | 9.90 | 9.55 | 7.33 |
| — | -4.5% | -11.6% | -32.0% | -41.7% | -48.4% | -54.5% | -53.1% | -25.4% | -7.2% | +5.9% | +40.9% | +49.3% | +158.0% | +195.3% | +181.1% | +145.7% | +76.8% | +45.2% | +56.1% | +25.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.5% | 96.3% | 97.1% | 96.2% | 98.0% | 97.3% | 97.6% | 97.2% | 100.8% | 100.0% | 97.8% | 100.8% | 104.6% | 102.3% | 95.8% | 91.9% | 90.9% | 96.6% | 93.6% | 95.8% | 117.1% |
| — | -1.0% | -0.4% | -1.0% | -2.8% | -2.7% | -0.3% | -3.6% | -3.6% | -2.2% | +2.1% | +9.7% | +15.1% | +5.8% | +2.4% | -4.1% | -22.4% | -21.3% | -13.0% | -5.4% | +34.2% | |
| Operating Margin | 33.5% | 42.2% | 40.3% | 36.9% | 40.1% | 36.4% | 30.0% | 26.1% | 27.3% | 24.1% | 17.0% | 15.9% | 25.0% | 24.0% | 15.1% | 15.8% | 27.9% | 39.6% | 34.8% | 39.5% | 63.8% |
| — | +15.8% | +34.3% | +41.6% | +46.7% | +51.1% | +77.0% | +64.2% | +9.6% | +0.6% | +12.2% | +0.8% | -10.5% | -39.5% | -56.6% | -60.1% | -56.3% | -43.1% | -35.2% | -27.9% | +4.0% | |
| Net Margin | 25.7% | 32.6% | 31.2% | 29.3% | 31.0% | 27.8% | 23.0% | 19.9% | 22.3% | 18.4% | 13.0% | 11.8% | 19.5% | 18.5% | 11.4% | 12.0% | 21.6% | 29.9% | 26.3% | 30.5% | 48.9% |
| — | +17.1% | +35.7% | +47.2% | +38.7% | +50.9% | +76.7% | +67.9% | +14.6% | -0.6% | +14.1% | -1.6% | -9.8% | -38.0% | -56.6% | -60.6% | -55.9% | -43.7% | -36.2% | -28.4% | +2.9% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.7% | 2.7% | 2.7% | 2.6% | 2.7% | 2.5% | 1.9% | 1.6% | 1.7% | 1.4% | 0.9% | 0.8% | 1.4% | 1.4% | 0.8% | 0.9% | 1.9% | 2.9% | 2.6% | 2.9% | 4.4% |
| — | +8.3% | +39.7% | +67.7% | +58.7% | +81.7% | +103.7% | +96.2% | +26.7% | +0.3% | +15.6% | -11.7% | -28.3% | -54.1% | -68.3% | -68.2% | -57.3% | -45.6% | -38.6% | -35.4% | +14.8% | |
| ROA | 0.7% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% | 0.2% | 0.3% | 0.4% |
| — | +27.7% | +57.5% | +75.0% | +65.2% | +88.9% | +109.9% | +103.6% | +32.0% | +3.5% | +17.9% | -12.8% | -33.0% | -59.1% | -72.8% | -73.3% | -63.4% | -51.5% | -42.3% | -35.1% | +21.3% | |
| ROIC | 4.8% | 1.7% | 1.6% | 1.5% | 1.5% | 1.4% | 1.1% | 0.9% | 0.9% | 0.7% | 0.5% | 0.4% | 0.6% | 0.7% | 0.5% | 0.5% | 1.2% | 2.2% | 2.1% | 2.5% | 3.8% |
| — | +21.0% | +51.2% | +69.3% | +75.2% | +90.6% | +115.1% | +107.2% | +34.8% | +3.3% | -1.1% | -24.0% | -45.9% | -68.4% | -76.3% | -77.6% | -68.7% | -52.5% | -41.3% | -30.5% | +24.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.72 | 0.55 | 0.56 | 0.70 | 0.72 | 0.74 | 0.77 | 0.78 | 0.80 | 0.81 | 0.87 | 0.88 | 1.00 | 1.02 | 0.72 | 0.54 | 0.72 | 0.33 | 0.30 | 0.13 | 0.13 |
| — | -26.2% | -26.9% | -11.0% | -10.4% | -8.4% | -11.6% | -10.5% | -19.5% | -20.8% | +20.9% | +62.7% | +38.9% | +206.5% | +135.3% | +315.2% | +452.0% | +146.1% | +112.8% | -13.7% | -51.4% | |
| Debt / EBITDA | 5.97 | 16.01 | 16.33 | 19.73 | 19.58 | 21.44 | 27.25 | 32.79 | 32.79 | 38.21 | 54.06 | 60.10 | 47.59 | 47.84 | 48.58 | 34.00 | 25.56 | 7.81 | 8.33 | 3.32 | 2.21 |
| — | -25.3% | -40.1% | -39.8% | -40.3% | -43.9% | -49.6% | -45.5% | -31.1% | -20.1% | +11.3% | +76.8% | +86.2% | +512.7% | +483.2% | +924.2% | +1057.7% | +309.1% | +223.4% | +27.8% | -57.6% | |
| Current Ratio | 0.02 | 0.13 | 0.13 | 0.03 | 0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.05 | 0.04 | 0.04 | 0.01 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.06 | 0.06 | 0.08 |
| — | +368.5% | +424.5% | +155.6% | +128.3% | -40.6% | -43.2% | -73.1% | -25.9% | -4.7% | +19.1% | +19.1% | -73.7% | +25.5% | -35.5% | -42.1% | -33.5% | -49.9% | -22.2% | -19.2% | -3.5% | |
| Quick Ratio | 0.02 | 0.13 | 0.13 | 0.03 | 0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.05 | 0.04 | 0.04 | 0.01 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.06 | 0.06 | 0.08 |
| — | +368.5% | +424.5% | +155.6% | +128.3% | -40.6% | -43.2% | -73.1% | -25.9% | -4.7% | +19.1% | +19.1% | -73.7% | +25.5% | -35.5% | -42.1% | -33.5% | -49.9% | -22.2% | -19.2% | -3.5% | |
| Interest Coverage | 0.37 | 0.61 | 0.56 | 0.51 | 0.50 | 0.41 | 0.32 | 0.26 | 0.24 | 0.19 | 0.13 | 0.11 | 0.18 | 0.19 | 0.14 | 0.20 | 0.65 | 2.03 | 4.07 | 7.92 | 12.23 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying SFST stock.
Southern First Bancshares, Inc.'s current P/E is 13.1x. The average P/E over the last 4 quarters is 11.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Southern First Bancshares, Inc.'s current operating margin is 33.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Southern First Bancshares, Inc.'s business trajectory between earnings reports.