SOUTHERN FIRST BANCSHARES INC SFST

Latest FY: 2025 Financial Services Banks - Regional
Market Price $64.23
Market Cap $608.06M
P/E Ratio 17.27
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑13.0% YoY
$6.28M
3-Yr CAGR: 14.4%
Net Income ↑95.5% YoY
$30.37M
Net Margin: 483.4%
Free Cash Flow ↑20.6% YoY
$29.88M
FCF Yield: 4.91%
EPS (Diluted) ↑94.8% YoY
$3.72
Basic: $3.75
Return on Equity Efficiency
8.2%
ROA: 0.7%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (SFST)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $45.1M $36.9M $13.0M $1.94 $17.1M $11.7M
FY 2017 $5.2M -88.6% $2.2M $13.0M +0.1% $1.76 -9.3% $17.2M $11.8M +1.3%
FY 2018 $5.5M +7.6% $2.1M $22.3M +70.9% $2.88 +63.6% $31.7M $29.8M +151.9%
FY 2019 $9.9M +79.0% $2.3M $27.9M +25.0% $3.58 +24.3% $18.3M $9.9M -66.9%
FY 2020 $19.8M +99.4% $2.1M $18.3M -34.2% $2.34 -34.6% $20.6M $13.3M +35.4%
FY 2021 $11.4M -42.5% $2.5M $46.7M +154.9% $5.85 +150.0% $78.1M $51.6M +286.4%
FY 2022 $4.2M -63.1% $3.4M $29.1M -37.7% $3.61 -38.3% $50.3M $36.4M -29.5%
FY 2023 $4.0M -3.9% $3.6M $13.4M -53.9% $1.66 -54.0% $17.7M $16.4M -54.9%
FY 2024 $5.6M +37.8% $3.9M $15.5M +15.7% $1.91 +15.1% $25.6M $24.8M +51.0%
FY 2025 $6.3M +13.0% $4.4M $30.4M +95.5% $3.72 +94.8% $30.5M $29.9M +20.6%
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Valuation

Market Price $64.23
Market Cap $608.06M
Enterprise Value N/A
P/E Ratio 17.27
P/B Ratio 1.65
FCF Yield 4.91%
Dividend Yield N/A
Shares Outstanding 9,455,200
%

Profitability & Margins

Gross Margin 69.37%
Operating Margin 69.37%
Net Margin 483.38%
Return on Equity (ROE) 8.24%
Return on Assets (ROA) 0.69%
Asset Turnover 0.00x
Revenue 3-Yr CAGR 14.38%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity N/A
Debt / Assets N/A
Cash & Equivalents $5.80M
Total Debt N/A
Book Value / Share $38.99
💧

Cash Flow Efficiency

Operating Cash Flow $30.46M
Capital Expenditures (CapEx) $581.00K
Free Cash Flow $29.88M
OCF / Revenue 484.83%
FCF / Revenue 475.58%
FCF 3-Yr CAGR -6.33%
🏷️

Per Share Metrics

EPS (Diluted) $3.72
EPS (Basic) $3.75
Dividends / Share N/A
Book Value / Share $38.99
EPS YoY Growth 94.76%
🏛️

Balance Sheet (FY 2025)

Total Assets $4.40B
Total Liabilities $4.03B
Stockholders' Equity $368.66M
Current Assets N/A
Current Liabilities N/A