SFST trades 8.0% 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 11.8x. 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 November 8, 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 $59.27, this represents a potential upside of +8.0%. The company has a market capitalization of $560M.
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 13.1x and forward P/E of 11.8x. The forward PEG ratio of 1.20 indicates reasonable valuation for growth. Analysts expect EPS to grow +11.0% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $86.90, with bear and bull scenarios of $54.75 and $114.50 respectively. Model confidence stands at 47/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 GSBCGreat Southern Bancorp, Inc. | $880M | $80.76 | $62.00 | -23.2% | Hold | 13.9x | 6 |
 HBCPHome Bancorp, Inc. | $479M | $60.94 | $65.00 | +6.7% | Buy | 10.8x | 3 |
 CBANColony Bankcorp, Inc. | $428M | $20.24 | — | — | Hold | 9.8x | 2 |
 NBTBNBT Bancorp Inc. | $2.7B | $52.83 | $57.67 | +9.2% | Hold | 12.6x | 10 |
 SMBCSouthern Missouri Bancorp, Inc. | $776M | $70.46 | $81.33 | +15.4% | Hold | 11.4x | 3 |
 FFINFirst Financial Bankshares, Inc. | $4.4B | $30.41 | $34.33 | +12.9% | Hold | 14.9x | 17 |
 GABCGerman American Bancorp, Inc. | $1.9B | $50.08 | $60.00 | +19.8% | Hold | 12.7x | 8 |
 SFNCSimmons First National Corporation | $3.4B | $23.34 | $25.88 | +10.9% | Buy | 11.2x | 9 |
 BMRCBank of Marin Bancorp | $460M | $28.44 | $31.00 | +9.0% | Hold | 12.0x | 15 |
 SRCE1st Source Corporation | $2.1B | $86.94 | $96.00 | +10.4% | Hold | 11.4x | 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 $59.27 (8.0% 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 8.0% upside from current levels.
With a forward P/E of 11.8303x, SFST trades at a relatively low valuation. The consensus target of $64 implies 8.0% 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 $115 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 $87, with bear/bull scenarios of $55/$115.
Our quantitative valuation model calculates SFST's fair value at $87 (base case), with a bear case of $55 and bull case of $115. 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 47/100.
SFST trades at a forward P/E ratio of 11.8x based on next-twelve-months earnings estimates compared to a trailing P/E of 13.1x. 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 $55-$115 range provides an independent fundamental perspective.
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