Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Southern First Bancshares, Inc.'s quarterly P/E stands at 10.6x, down 25.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 29.2% YoY to 12.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.47 | 10.64 | 10.31 | 11.74 | 12.66 | 14.20 | 15.78 | 19.76 | 25.61 | 17.84 | 13.21 | 19.96 | 23.26 |
| — | -25.0% | -34.7% | -40.6% | -50.6% | -20.4% | +19.5% | -1.0% | +10.1% | +6.0% | +31.9% | +64.8% | +79.3% | |
| P/S Ratio | 2.44 | 1.82 | 1.52 | 1.39 | 1.27 | 1.50 | 1.27 | 1.10 | 1.27 | 1.46 | 1.08 | 1.10 | 1.54 |
| — | +21.3% | +20.0% | +26.3% | -0.1% | +2.8% | +17.1% | +0.1% | -17.6% | -42.7% | -56.7% | -62.6% | -59.1% | |
| P/B Ratio | 1.27 | 1.14 | 1.00 | 0.90 | 0.79 | 0.98 | 0.84 | 0.75 | 0.82 | 0.96 | 0.72 | 0.66 | 0.83 |
| — | +16.3% | +18.5% | +19.9% | -3.6% | +1.8% | +18.0% | +12.7% | -1.2% | -23.5% | -38.7% | -46.7% | -43.8% | |
| P/FCF | 18.37 | — | 6.19 | 7.44 | 8.97 | — | 2.64 | 15.39 | — | 11.12 | 3.44 | — | 58.76 |
| — | — | +134.7% | -51.7% | — | — | -23.4% | — | — | +52.4% | -24.9% | — | +14.1% | |
| EV / EBITDA | 17.72 | 12.12 | 10.18 | 12.45 | 15.18 | 17.11 | 18.25 | 23.67 | 27.85 | 21.95 | 19.37 | 21.40 | 20.04 |
| — | -29.2% | -44.2% | -47.4% | -45.5% | -22.0% | -5.8% | +10.6% | +39.0% | +42.0% | +132.1% | +133.2% | +121.6% | |
| EV / EBIT | 19.84 | 12.84 | 11.41 | 14.08 | 17.74 | 20.06 | 22.09 | 30.96 | 37.84 | 26.90 | 23.81 | 29.24 | 26.85 |
| — | -36.0% | -48.4% | -54.5% | -53.1% | -25.4% | -7.2% | +5.9% | +40.9% | +49.3% | +158.0% | +195.3% | +181.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Southern First Bancshares, Inc.'s operating margin was 22.2% in Q4 2025, up 2.8 pp QoQ and up 9.4 pp YoY. This marks the 8th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 17.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 14.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.3% | 54.1% | 51.7% | 50.2% | 48.8% | 47.2% | 43.7% | 41.7% | 42.1% | 43.5% | 45.0% | 45.5% | 51.1% |
| — | +14.8% | +18.2% | +20.3% | +15.9% | +8.5% | -2.8% | -8.3% | -17.7% | -31.7% | -44.3% | -47.3% | -43.9% | |
| Operating Margin | 17.6% | 22.2% | 19.3% | 15.4% | 13.1% | 12.8% | 10.5% | 7.2% | 6.6% | 10.4% | 10.5% | 7.2% | 8.8% |
| — | +73.2% | +83.6% | +113.6% | +97.5% | +23.4% | -0.1% | +0.8% | -24.3% | -46.8% | -68.2% | -77.6% | -76.7% | |
| Net Margin | 13.5% | 17.1% | 14.8% | 11.8% | 10.0% | 10.4% | 8.1% | 5.5% | 4.9% | 8.1% | 8.2% | 5.4% | 6.7% |
| — | +63.8% | +83.4% | +113.2% | +101.9% | +29.0% | -1.2% | +2.5% | -26.2% | -46.4% | -67.4% | -77.7% | -77.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.7% | 2.7% | 2.5% | 1.9% | 1.6% | 1.7% | 1.4% | 0.9% | 0.8% | 1.4% | 1.4% | 0.8% | 0.9% |
| — | +58.7% | +81.7% | +103.7% | +96.2% | +26.7% | +0.3% | +15.6% | -11.7% | -28.3% | -54.1% | -68.3% | -68.2% | |
| ROA | 0.7% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| — | +65.2% | +88.9% | +109.9% | +103.6% | +32.0% | +3.5% | +17.9% | -12.8% | -33.0% | -59.1% | -72.8% | -73.3% | |
| ROIC | 4.8% | 1.5% | 1.4% | 1.1% | 0.9% | 0.9% | 0.7% | 0.5% | 0.4% | 0.6% | 0.7% | 0.5% | 0.5% |
| — | +75.2% | +90.6% | +115.1% | +107.2% | +34.8% | +3.3% | -1.1% | -24.0% | -45.9% | -68.4% | -76.3% | -77.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Southern First Bancshares, Inc.'s Debt/EBITDA ratio is 19.6x, down from 20.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 312.3% YoY to 0.04x, strengthening the short-term liquidity position. Debt/Equity has declined for 10 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.72 | 0.72 | 0.74 | 0.77 | 0.78 | 0.80 | 0.81 | 0.87 | 0.88 | 1.00 | 1.02 | 0.72 | 0.54 |
| — | -10.4% | -8.4% | -11.6% | -10.5% | -19.5% | -20.8% | +20.9% | +62.7% | +38.9% | +206.5% | +135.3% | +315.2% | |
| Debt / EBITDA | 5.97 | 19.58 | 20.87 | 27.25 | 32.79 | 32.79 | 38.21 | 54.06 | 60.10 | 47.59 | 47.84 | 48.58 | 34.00 |
| — | -40.3% | -45.4% | -49.6% | -45.5% | -31.1% | -20.1% | +11.3% | +76.8% | +86.2% | +512.7% | +483.2% | +924.2% | |
| Current Ratio | 0.04 | 0.04 | 0.03 | 0.02 | 0.01 | 0.01 | 0.05 | 0.04 | 0.04 | 0.01 | 0.05 | 0.04 | 0.04 |
| — | +312.3% | -40.6% | -43.2% | -73.1% | -25.9% | -4.7% | +19.1% | +19.1% | -73.7% | +25.5% | -35.5% | -42.1% | |
| Quick Ratio | 0.04 | 0.04 | 0.03 | 0.02 | 0.01 | 0.01 | 0.05 | 0.04 | 0.04 | 0.01 | 0.05 | 0.04 | 0.04 |
| — | +312.3% | -40.6% | -43.2% | -73.1% | -25.9% | -4.7% | +19.1% | +19.1% | -73.7% | +25.5% | -35.5% | -42.1% | |
| Interest Coverage | 0.37 | 0.50 | 0.41 | 0.32 | 0.26 | 0.24 | 0.19 | 0.13 | 0.11 | 0.18 | 0.19 | 0.14 | 0.20 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 15.5x. The average P/E over the last 4 quarters is 11.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Southern First Bancshares, Inc.'s current operating margin is 17.6%. 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.