Southern First Bancshares, Inc. (SFST) P/E Ratio History
Historical price-to-earnings valuation from 2002 to 2025
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SFST Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Southern First Bancshares, Inc. (SFST) trades at a price-to-earnings ratio of 15.2x, with a stock price of $56.85 and trailing twelve-month earnings per share of $3.74.
The current P/E is roughly in line with its 5-year average of 13.9x. Over the past five years, SFST's P/E has ranged from a low of 8.5x to a high of 22.2x, placing the current valuation at the 75th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, SFST trades at a 15% premium to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 1.53 (P/E divided by 96% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, SFST trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our SFST DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
SFST P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $786M | 11.3 | 1.41 | +18% | |
| $512M | 11.1 | 0.72Best | +28% | |
| $371M | 12.5 | 2.44 | +17% | |
| $2B | 13.5 | 1.92 | +13% | |
| $773M | 13.4 | 1.16 | +17% | |
| $5B | 20.8 | 3.98 | +12% | |
| $2B | 14.4 | 2.61 | +8% | |
| $420M | 9.5Lowest | 2.26 | +625%Best | |
| $2B | 11.4 | 0.75 | +21% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
SFST Historical P/E Data (2002–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $51.52 | $3.74 | 13.8x | -28% |
| FY2025 Q3 | $44.12 | $3.23 | 13.7x | -29% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $38.03 | $2.70 | 14.1x | -27% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $32.92 | $2.26 | 14.6x | -24% |
| FY2024 Q4 | $39.75 | $1.92 | 20.7x | +7% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $34.08 | $1.74 | 19.6x | +2% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $29.24 | $1.71 | 17.1x | -11% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $31.76 | $1.65 | 19.2x | -0% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $37.10 | $1.67 | 22.2x | +15% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $26.94 | $1.83 | 14.7x | -24% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $24.75 | $2.36 | 10.5x | -46% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $30.70 | $2.95 | 10.4x | -46% |
Average P/E for displayed period: 19.3x
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Start ComparisonSFST — Frequently Asked Questions
Quick answers to the most common questions about buying SFST stock.
Is SFST stock overvalued or undervalued?
SFST trades at 15.2x P/E, near its 5-year average of 13.9x. The 75th percentile ranking places valuation within normal historical bounds.
How does SFST's valuation compare to peers?
Southern First Bancshares, Inc. P/E of 15.2x compares to sector median of 13.1x. The premium reflects expected growth above peers.
What is SFST's PEG ratio?
SFST PEG ratio is 1.53. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 2002-2025.