Southern First Bancshares Inc. (SFST)
Nasdaq · National Commercial Banks · Finance, insurance and real estate · CIK 1090009 · fiscal year ends in Dec
Closing price $60.80 on 29 Oct 2026; 52-week range $43.84 to $64.60.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $132.6M
- Revenue growth
- 27.4%
- Net income, last twelve months
- $39.6M
- Earnings per share
- $4.67
- Net margin
- 29.9%
- Free cash flow
- $39.3M
- Return on equity
- 8.8%
- Market value
- $575.7M
- Price to earnings
- 13.0x
- Cash
- $361.6M
- Debt
- $253.4M
- Debt to equity
- 0.56
- Shares outstanding
- 9.5M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $118.1M | – | $30.4M | $3.72 | $29.9M | 10-K filed 24 Feb 2026 |
| FY2024 | 31 Dec 2024 | $93.4M | – | $15.5M | $1.91 | $24.8M | 10-K filed 3 Mar 2025 |
| FY2023 | 31 Dec 2023 | $87.5M | – | $13.4M | $1.66 | $16.4M | 10-K filed 5 Mar 2024 |
| FY2022 | 31 Dec 2022 | $107.2M | – | $29.1M | $3.61 | $36.4M | 10-K filed 13 Feb 2023 |
| FY2021 | 31 Dec 2021 | $104.8M | – | $46.7M | $5.85 | $51.6M | 10-K filed 4 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $35.9M | $11.2M | $1.20 |
| Q1 FY2026 | 31 Mar 2026 | $33.8M | $9.9M | $1.19 |
| Q4 FY2025 | 31 Dec 2025 | $31.8M | $9.9M | $1.21 |
| Q3 FY2025 | 30 Sep 2025 | $31.1M | $8.7M | $1.07 |
| Q2 FY2025 | 30 Jun 2025 | $28.6M | $6.6M | $0.81 |
| Q1 FY2025 | 31 Mar 2025 | $26.5M | $5.3M | $0.65 |
| Q4 FY2024 | 31 Dec 2024 | $25.2M | $5.6M | $0.70 |
| Q3 FY2024 | 30 Sep 2024 | $23.8M | $4.4M | $0.54 |
Company events
The newest 8-K filings of 194 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 20 Oct 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 28 Aug 2026 | 8-K | Other events | 8.01 |
| 21 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 2 Jun 2026 | 8-K | Leadership change | 5.02 |
| 20 May 2026 | 8-K | Shareholder vote, Investor update | 5.07, 7.01 |
| 21 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 16 Apr 2026 | 8-K | Material agreement, Investor update | 1.01, 7.01, 9.01 |
| 15 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 10 Mar 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 22 Jan 2026 | 8-K | Results, Bylaws or fiscal year change, Investor update | 2.02, 5.03, 7.01, 9.01 |
| 28 Oct 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 22 Jul 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
Every filing
The newest filings with the SEC of 415 held.
| Filed | Form | Period |
|---|---|---|
| 20 Oct 2026 | 8-K | 20 Oct 2026 |
| 28 Aug 2026 | 8-K | 27 Aug 2026 |
| 3 Aug 2026 | 10-Q | 30 Jun 2026 |
| 21 Jul 2026 | 8-K | 21 Jul 2026 |
| 2 Jun 2026 | 8-K | 1 Jun 2026 |
| 20 May 2026 | 8-K | 19 May 2026 |
| 1 May 2026 | 10-Q | 31 Mar 2026 |
| 21 Apr 2026 | 8-K | 21 Apr 2026 |
| 16 Apr 2026 | 8-K | 15 Apr 2026 |
| 15 Apr 2026 | 8-K | 15 Apr 2026 |
| 6 Apr 2026 | DEF 14A | 19 May 2026 |
| 10 Mar 2026 | 8-K | 5 Mar 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 18 Sep 2026 | Orders James B Iii, Director | Sale outside a trading plan | 8,045 | $62.05 | $499.2K | 46,481 | 22 Sep 2026 |
| 14 Sep 2026 | Locke Anna T, Director | Purchase | 300 | $63.27 | $19.0K | 3,902 | 15 Sep 2026 |
| 3 Sep 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 500 | $62.79 | $31.4K | 46,600 | 3 Sep 2026 |
| 2 Sep 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 300 | $62.50 | $18.8K | 48,000 | 3 Sep 2026 |
| 2 Sep 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 400 | $62.40 | $25.0K | 47,600 | 3 Sep 2026 |
| 2 Sep 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 500 | $62.00 | $31.0K | 47,100 | 3 Sep 2026 |
| 1 Sep 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 465 | $60.75 | $28.2K | 48,300 | 3 Sep 2026 |
| 28 Aug 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 400 | $63.00 | $25.2K | 48,765 | 1 Sep 2026 |
| 25 Aug 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 350 | $63.05 | $22.1K | 49,165 | 27 Aug 2026 |
| 24 Aug 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 400 | $63.00 | $25.2K | 49,515 | 27 Aug 2026 |
| 20 Aug 2026 | Cubbage Leighton M, Director | Sale outside a trading plan | 800 | $63.02 | $50.4K | 49,915 | 24 Aug 2026 |
| 12 Aug 2026 | Seaver R Arthur Jr, Chief Executive Officer | Sale outside a trading plan | 5,000 | $63.00 | $315.0K | 97,597 | 13 Aug 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 18 Sep 2026 | ORDERS JAMES B III, Director | 8,045 | $494.2K | 18 Sep 2026 |
| 12 Aug 2026 | SEAVER R ARTHUR JR, Officer | 21,000 | $1.3M | 12 Aug 2026 |
| 3 Aug 2026 | Fairchild Julie Ann, Officer | 1,500 | $94.5K | 3 Aug 2026 |
| 26 Feb 2026 | King Silvia T, Officer | 2,625 | $158.8K | 26 Feb 2026 |
| 15 Dec 2025 | SEAVER R ARTHUR JR, Officer | 10,000 | $550.0K | 15 Dec 2025 |
| 10 Dec 2025 | ELLISON DAVID G, Director | 1,000 | $52.7K | 10 Dec 2025 |
| 21 Nov 2025 | Fairchild Julie Ann, Officer | 1,258 | $62.8K | 28 Nov 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | Endeavour Capital Advisors Inc. | 13G amended | 7% | 662.9K |
| 27 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
Trades by members of the House
From each member's periodic transaction report.
| Traded | Member | Type | Amount | Disclosed |
|---|---|---|---|---|
| 29 Jun 2020 | William R. Timmons (SC04) | Sale | $1,001 - $15,000 | 7 Aug 2020 |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 431.8K | +2.75% | 7.42 |
| 30 Sep 2026 | 420.2K | +1.46% | 4.21 |
| 15 Sep 2026 | 414.1K | +12.2% | 5.08 |
| 31 Aug 2026 | 369.1K | +2.72% | 3.45 |
| 14 Aug 2026 | 359.4K | +2.27% | 3.65 |
| 31 Jul 2026 | 351.4K | -8.78% | 2.87 |
| 15 Jul 2026 | 385.2K | -11.73% | 3.54 |
| 30 Jun 2026 | 436.4K | +129.02% | 2.13 |
Funds that hold it
From each fund's latest Form 13F.
185 funds held it at 30 Jun 2026: 109 added and 23 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| FJ Capital Management LLC | 892,223 | $54.5M | +85,000 |
| T. Rowe Price Investment Management, Inc. | 844,650 | $51.6M | +26,809 |
| BlackRock, Inc. | 830,375 | $50.7M | +117,965 |
| Endeavour Capital Advisors Inc. | 662,860 | $40.5M | +55,455 |
| Vanguard Capital Management LLC | 392,789 | $24.0M | +47,904 |
| Dimensional Fund Advisors LP | 387,861 | $23.7M | +7,493 |
| State Street Corp. | 373,521 | $22.8M | +205,558 |
| Ameriprise Financial Inc. | 247,644 | $15.1M | -23,599 |
| Geode Capital Management, LLC | 237,053 | $14.5M | +56,822 |
| Renaissance Technologies LLC | 186,307 | $11.4M | +35,700 |
Peers
Companies in the same industry.
- JPMorgan Chase & Co. (JPM): revenue $199.4B, market value $913.2B
- Bank of America Corp. (BAC): revenue –, market value $358.9B
- Wells Fargo & Company (WFC): revenue $87.2B, market value $254.6B
- Citigroup Inc. (C): revenue $91.4B, market value $211.0B
- Capital One Financial Corp. (COF): revenue $62.0B, market value $128.1B
- Mizuho Financial Group Inc. (MFG): revenue $29.9B, market value $122.0B
- U.S. Bancorp (USB): revenue $29.6B, market value $94.5B
- PNC Financial Services Group, Inc. (PNC): revenue $25.0B, market value $92.5B
- Truist Financial Corp. (TFC): revenue $19.4B, market value $59.1B
- Huntington Bancshares Inc. (HBAN): revenue $10.4B, market value $32.2B