SFST trades 6.9% below Wall Street's consensus target of $64.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes SFST achieves its forward estimates and maintains a stable P/E multiple of 12.0x. This scenario reflects the blended consensus of 7 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Southern First Bancshares, Inc. (SFST) has a Wall Street consensus price target of $64.00, based on estimates from 7 covering analysts. With the stock currently trading at $59.85, this represents a potential upside of +6.9%. The company has a market capitalization of $566M.
Analyst price targets range from a low of $64.00 to a high of $64.00, representing a 0% spread in expectations. The median target of $64.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,6 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, SFST trades at a trailing P/E of 16.0x and forward P/E of 12.0x. The forward PEG ratio of 1.21 indicates reasonable valuation for growth. Analysts expect EPS to grow +17.7% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $78.02, with bear and bull scenarios of $49.15 and $102.80 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 GSBCGreat Southern Bancorp, Inc. | $850M | $78.01 | $62.00 | -20.5% | Hold | 13.4x | 6 |
 HBCPHome Bancorp, Inc. | $529M | $67.17 | $74.00 | +10.2% | Buy | 11.3x | 3 |
 CBANColony Bankcorp, Inc. | $432M | $20.44 | — | — | Hold | 10.3x | 2 |
 NBTBNBT Bancorp Inc. | $2.6B | $50.48 | $56.67 | +12.3% | Hold | 12.1x | 10 |
 SMBCSouthern Missouri Bancorp, Inc. | $786M | $71.33 | $84.00 | +17.8% | Hold | 11.5x | 3 |
 FFINFirst Financial Bankshares, Inc. | $4.6B | $31.92 | $35.33 | +10.7% | Hold | 15.6x | 16 |
 GABCGerman American Bancorp, Inc. | $1.8B | $48.62 | $54.50 | +12.1% | Hold | 12.4x | 8 |
 SFNCSimmons First National Corporation | $3.3B | $22.89 | $26.17 | +14.3% | Buy | 11.2x | 9 |
 BMRCBank of Marin Bancorp | $447M | $27.58 | $31.33 | +13.6% | Hold | 12.1x | 15 |
 SRCE1st Source Corporation | $2.0B | $84.38 | $93.50 | +10.8% | Hold | 11.7x | 4 |
Quick answers to the most common questions about buying SFST stock.
The consensus price target for SFST is $64, close to the current price of $59.85 (6.9% implied move). Based on 7 analyst estimates, the stock appears fairly valued near current levels.
SFST has a consensus rating of "Hold" based on 7 Wall Street analysts. The rating breakdown is mixed, with 6 Hold ratings making up the largest segment. The consensus 12-month price target of $64 implies 6.9% upside from current levels.
With a forward P/E of 11.97x, SFST trades at a relatively low valuation. The consensus target of $64 implies 6.9% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $64 for SFST, while the most conservative target is $64. The consensus of $64 represents the median expectation. Our quantitative valuation model projects a bull case target of $103 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
SFST is moderately covered, with 7 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 6 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month SFST stock forecast based on 7 Wall Street analysts shows a consensus price target of $64, with estimates ranging from $64 (bear case) to $64 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $78, with bear/bull scenarios of $49/$103.
Our quantitative valuation model calculates SFST's fair value at $78 (base case), with a bear case of $49 and bull case of $103. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.
SFST trades at a forward P/E ratio of 12.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 16.0x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
SFST appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $64 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
SFST analyst price targets range from $64 to $64, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $64 consensus represents the middle ground. Our model's $49-$103 range provides an independent fundamental perspective.
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