Southern First Bancshares, Inc. (SFST) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 30.26M | 28.74M | 27.53M | 25.3M | 23.38M | 22.46M | 20.59M | 19.53M | 18.64M | 19.06M | 19.34M | 18.82M |
| NII Growth % | 29.41% | 27.99% | 33.69% | 29.53% | 25.41% | 17.83% | 6.44% | 3.73% | -8.71% | -20.98% | -24% | -24.35% |
| Net Interest Margin % | 0.66% | 0.65% | 0.63% | 0.59% | 0.55% | 0.55% | 0.49% | 0.48% | 0.45% | 0.47% | 0.48% | 0.47% |
| Interest Income | 54.61M | 54.53M | 54.99M | 52.32M | 49.65M | 51.13M | 51.17M | 50.55M | 48.36M | 49.13M | 47.45M | 42.69M |
| Interest Expense | 24.35M | 25.79M | 27.46M | 27.02M | 26.26M | 28.67M | 30.58M | 31.02M | 29.72M | 30.08M | 28.1M | 23.86M |
| Loan Loss Provision | -23.05M | 650K | 850K | 700K | 750K | -200K | 0 | 500K | -175K | -975K | -500K | 910K |
| Non-Interest Income | -20.81M | 3.09M | 3.6M | 3.33M | 3.11M | 2.75M | 3.17M | 3.52M | 2.66M | 2.33M | 2.75M | 2.74M |
| Non-Interest Income % | -61.58% | 5.36% | 6.14% | 5.99% | 5.9% | 5.11% | 5.84% | 6.52% | 5.22% | 4.53% | 5.48% | 6.02% |
| Total Revenue | 33.8M | 57.62M | 58.59M | 55.65M | 52.76M | 53.88M | 54.35M | 54.07M | 51.03M | 51.47M | 50.2M | 45.42M |
| Revenue Growth % | -35.94% | 6.94% | 7.8% | 2.93% | 3.4% | 4.7% | 8.27% | 19.04% | 26.39% | 41.63% | 49.33% | 51.93% |
| Non-Interest Expense | 20.02M | 18.42M | 18.95M | 19.34M | 18.84M | 18.52M | 18.04M | 18.64M | 18.1M | 17.03M | 17.3M | 17.39M |
| Efficiency Ratio | 59.22% | 31.96% | 32.34% | 34.74% | 35.7% | 34.36% | 33.19% | 34.48% | 35.47% | 33.09% | 34.47% | 38.29% |
| Operating Income | 12.48M | 12.77M | 11.33M | 8.59M | 6.91M | 6.89M | 5.73M | 3.91M | 3.38M | 5.34M | 5.29M | 3.26M |
| Operating Margin % | 36.94% | 22.16% | 19.34% | 15.44% | 13.1% | 12.79% | 10.54% | 7.23% | 6.63% | 10.37% | 10.54% | 7.17% |
| Operating Income Growth % | 80.64% | 85.23% | 97.89% | 119.88% | 104.23% | 29.15% | 8.2% | 19.95% | -4.38% | -24.7% | -52.48% | -66.01% |
| Pretax Income | 12.48M | 12.77M | 11.33M | 8.59M | 6.91M | 6.89M | 5.73M | 3.91M | 3.38M | 5.34M | 5.29M | 3.26M |
| Pretax Margin % | 36.94% | 22.16% | 19.34% | 15.44% | 13.1% | 12.79% | 10.54% | 7.23% | 6.63% | 10.37% | 10.54% | 7.17% |
| Income Tax | 2.6M | 2.91M | 2.67M | 2.01M | 1.65M | 1.27M | 1.34M | 909K | 862K | 1.17M | 1.2M | 800K |
| Effective Tax Rate % | 20.8% | 22.8% | 23.57% | 23.41% | 23.8% | 18.37% | 23.49% | 23.26% | 25.47% | 21.92% | 22.58% | 24.55% |
| Net Income | 9.89M | 9.86M | 8.66M | 6.58M | 5.27M | 5.63M | 4.38M | 3M | 2.52M | 4.17M | 4.1M | 2.46M |
| Net Margin % | 29.25% | 17.11% | 14.79% | 11.83% | 9.98% | 10.44% | 8.06% | 5.55% | 4.94% | 8.1% | 8.16% | 5.41% |
| Net Income Growth % | 87.75% | 75.17% | 97.67% | 119.44% | 108.8% | 35.04% | 6.93% | 22.01% | -6.7% | -24.13% | -51.29% | -66.05% |
| Net Income (Continuing) | 9.89M | 9.86M | 8.66M | 6.58M | 5.27M | 5.63M | 4.38M | 3M | 2.52M | 4.17M | 4.1M | 2.46M |
| EPS (Diluted) | 1.20 | 1.21 | 1.07 | 0.81 | 0.65 | 0.70 | 0.54 | 0.37 | 0.31 | 0.52 | 0.51 | 0.31 |
| EPS Growth % | 84.62% | 72.86% | 98.15% | 118.92% | 109.68% | 34.62% | 5.88% | 19.35% | -6.06% | -23.53% | -50.96% | -65.56% |
| EPS (Basic) | 1.20 | 1.23 | 1.08 | 0.81 | 0.65 | 0.70 | 0.54 | 0.37 | 0.31 | 0.52 | 0.51 | 0.31 |
| Diluted Shares Outstanding | 8.29M | 8.12M | 8.08M | 8.13M | 8.11M | 8.12M | 8.09M | 8.14M | 8.14M | 8.08M | 8.07M | 8.07M |