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Southern First Bancshares, Inc. (SFST) Total Return Calculator with Dividends Reinvested

Southern First Bancshares, Inc.

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The total return for Southern First Bancshares, Inc. (SFST) stock is +59.25% over the past 12 months. So far it's up 10.06% this year. The 5-year total return is +7.81%, meaning $10,000 invested in SFST stock 5 years ago would be worth $10,781 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in SFST 1 year ago, it would be worth $15,925 today — you'd have gained $5,925.

With Dividends Reinvested$15,925+59.25%

Price Only (No DRIP)$15,925+59.25%

Period2025-05-06 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in SFST

1Y$15,925+$5,925 (+59.2%)59.2% CAGR

3Y$25,899+$15,899 (+159.0%)37.3% CAGR

5Y$10,781+$781 (+7.8%)1.5% CAGR

10Y$22,209+$12,209 (+122.1%)8.3% CAGR

15Y$88,495+$78,495 (+785.0%)15.6% CAGR

20Y$37,025+$27,025 (+270.3%)6.8% CAGR

30Y$119,009+$109,009 (+1090.1%)8.6% CAGR

Southern First Bancshares, Inc. did not pay dividends during this period. Total return = price return.

Loading SFST total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+10.06%	—	+10.06%	—	$11,006
1Y	+59.25%	59.25%	+59.25%	—	$15,925
3Y	+158.99%	37.33%	+158.99%	—	$25,899
5Y	+7.81%	1.51%	+7.81%	—	$10,781
10Y	+122.09%	8.31%	+122.09%	—	$22,209
15Y	+784.95%	15.65%	+784.95%	—	$88,495
20Y	+270.25%	6.76%	+270.25%	—	$37,025
30Y	+1090.09%	8.61%	+1090.09%	—	$119,009

Risk & Highlights

Best Year+110.12%2003

Worst Year-36.40%2007

Max Drawdown-16.08%2026-02-25 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+8.01%	+8.01%	—	+0.41%	+7.6pp
2025	+35.40%	+35.40%	—	+16.64%	+18.8pp
2024	+7.96%	+7.96%	—	+24.00%	-16.0pp
2023	-17.65%	-17.65%	—	+24.81%	-42.5pp
2022	-28.73%	-28.73%	—	-19.95%	-8.8pp

SFST outperformed the S&P 500 by 27.93pp over the past year (+59.25% vs +31.32%).

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SFST Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
SFSTSouthern First Bancshares, Inc.	$538M	+1.8%	+10.1%	+59.2%	—	+159.0%	+7.8%	+122.1%
GSBCGreat Southern Bancorp, Inc.	$790M	+8.8%	+15.0%	+27.8%	+3.0pp	+50.4%	+34.5%	+129.3%
HBCPHome Bancorp, Inc.	$504M	+4.7%	+13.2%	+32.1%	+2.5pp	+130.2%	+79.7%	+159.8%
CBANColony Bankcorp, Inc.	$369M	-2.7%	+12.7%	+30.1%	+3.7pp	+137.9%	+35.4%	+144.5%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%
SMBCSouthern Missouri Bancorp, Inc.	$769M	+6.3%	+18.5%	+32.8%	+1.9pp	+126.6%	+74.2%	+207.5%
FFINFirst Financial Bankshares, Inc.	$4.6B	+7.3%	+9.2%	-2.5%	+2.2pp	+29.9%	-29.0%	+146.6%
GABCGerman American Bancorp, Inc.	$1.6B	+2.3%	+13.2%	+16.9%	+3.1pp	+71.9%	+12.7%	+145.1%
SFNCSimmons First National Corporation	$3.1B	+9.0%	+15.9%	+17.7%	+4.5pp	+54.9%	-14.9%	+26.4%
BMRCBank of Marin Bancorp	$423M	+0.0%	+2.6%	+28.6%	+4.7pp	+100.1%	-13.6%	+41.4%
SRCE1st Source Corporation	$1.8B	+3.2%	+19.5%	+24.8%	+2.7pp	+89.2%	+66.5%	+155.7%

Compare:SFST vs GSBC SFST vs HBCP SFST vs CBAN SFST vs GSBC vs HBCP

About SFST Dividend Returns

Southern First Bancshares, Inc. (SFST) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of SFST over the past year?

Southern First Bancshares, Inc. (SFST) delivered a return of 59.25% over the past year. Since SFST does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in SFST be worth today?

A $10,000 investment in Southern First Bancshares, Inc. one year ago would be worth $15,925 today, representing a gain of $5,925.

Q3Does SFST pay dividends?

Southern First Bancshares, Inc. (SFST) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For SFST, the total return equals the price-only return.

Q4Did SFST beat the S&P 500?

Yes, Southern First Bancshares, Inc. (SFST) outperformed the S&P 500 by 27.93 percentage points over the past year. SFST delivered a total return of 59.25%, compared to the S&P 500's 31.32%. This 27.93pp alpha means investors in SFST earned more than a passive S&P 500 index fund.

Q5What is SFST's worst drawdown?

Southern First Bancshares, Inc. (SFST) experienced a maximum drawdown of -16.08% over the past year, declining from its peak on 2026-02-25 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is SFST's long-term total return over 10, 20, or 30 years?

Here are Southern First Bancshares, Inc. (SFST)'s long-term returns with dividends reinvested. Over 10 years, the total return is 122.1% (8.3% CAGR) — $10,000 would have grown to $22,209. Over 20 years: 270.3% total return (6.8% CAGR) — $10,000 → $37,025. Over 30 years: 1090.1% total return (8.6% CAGR) — $10,000 → $119,009. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was SFST's best and worst year?

Southern First Bancshares, Inc.'s best calendar year was 2003 with a total return of 110.1%. Its worst year was 2007 with a total return of -36.4%. This range shows the volatility investors should expect — the difference between the best and worst year is 146.5 percentage points.