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About the company
Southern First Bancshares, Inc. is a bank holding company. The Company’s primary business is to serve as the holding company for Southern First Bank (the Bank). The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the FDIC), and providing commercial, consumer and mortgage loans to the general public. The Company, through the Bank, provides a range of financial services to individuals and companies in South Carolina, North Carolina, and Georgia. These services include demand, time, and savings deposits; lending services; automated teller machine (ATM) processing, and mortgage banking services. In addition to deposit and loan services, it offers other bank services such as Internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment and mobile banking services. The Bank has approximately eight retail offices.
- Revenue in USD (TTM)211.48m
- Net income in USD30.37m
- Incorporated1999
- Employees297.00
- LocationSouthern First Bancshares Inc6 Verdae BoulevardGREENVILLE 29607United StatesUSA
- Phone+1 (864) 679-9000
- Websitehttps://www.southernfirst.com
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investar Holding Corp | 142.39m | 22.55m | 406.30m | 329.00 | 13.55 | 1.10 | 15.67 | 4.54 | 2.18 | 2.18 | 8.61 | 30.05 | -- | -- | -- | -- | 0.8236 | 0.7362 | -- | -- | -- | -- | 25.81 | 20.84 | -- | -- | -- | 18.53 | 8.01 | 9.97 | 21.44 | 3.96 | -42.31 | 13.23 |
| Bank7 Corp | 128.75m | 43.07m | 416.83m | 124.00 | 9.79 | 1.66 | 12.59 | 4.33 | 4.50 | 4.50 | 10.07 | 26.52 | -- | -- | -- | -- | 2.33 | 2.14 | -- | -- | -- | -- | 44.69 | 41.08 | -- | -- | -- | 20.45 | -2.11 | 19.29 | -5.75 | 17.46 | -- | 20.59 |
| Pra Group Inc | 1.16bn | -343.21m | 425.66m | 2.81k | -- | 0.4592 | -- | 0.3664 | -8.80 | -8.80 | 29.44 | 23.76 | 0.2339 | -- | 0.269 | 372,930.70 | -6.57 | 2.27 | -6.92 | 2.40 | 79.54 | 79.97 | -28.10 | 9.97 | -- | 1.42 | 0.792 | 0.00 | 38.87 | 1.85 | 184.58 | -3.90 | -25.84 | -- |
| FIRST BANK (Hamilton) | 236.45m | 43.66m | 430.85m | 311.00 | 9.92 | 0.9635 | 41.03 | 2.93 | 1.74 | 1.74 | 5.85 | 17.88 | -- | -- | -- | -- | 1.13 | 1.13 | -- | -- | -- | -- | 29.66 | 31.43 | -- | -- | -- | 14.32 | 6.45 | 21.53 | 3.35 | 17.55 | -- | 14.87 |
| West Bancorporation Inc | 192.23m | 32.56m | 432.16m | 180.00 | 13.38 | 1.62 | 15.16 | 4.54 | 1.91 | 1.91 | 5.57 | 15.70 | -- | -- | -- | -- | 0.7983 | 0.9494 | -- | -- | -- | -- | 34.19 | 38.35 | -- | -- | -- | 46.79 | 1.14 | 13.91 | 35.38 | -0.0931 | -- | 3.55 |
| NewtekOne Inc | 309.47m | 58.18m | 433.56m | 591.00 | 6.09 | 1.09 | 7.37 | 1.40 | 2.19 | 2.19 | 11.71 | 13.87 | 0.1288 | -- | 11.70 | -- | 2.52 | 3.75 | 5.40 | 5.80 | 94.25 | -- | 19.55 | 25.53 | -- | 2.10 | 0.8492 | 75.37 | 13.34 | 24.47 | 18.12 | 11.59 | -- | -18.00 |
| Bank of Marin Bancorp | 152.43m | -35.68m | 438.80m | 312.00 | -- | 1.11 | -- | 13.07 | -2.24 | -2.24 | 2.10 | 24.51 | -- | -- | -- | -- | -0.9381 | 0.2871 | -- | -- | -- | -- | -106.23 | 11.88 | -- | -- | -- | 142.08 | 7.90 | 8.87 | -324.25 | -- | -- | 1.68 |
| Choiceone Financial Services Inc | 202.96m | 28.18m | 442.38m | 569.00 | 19.75 | 0.9506 | 15.33 | 2.74 | 1.49 | 1.49 | 11.59 | 31.02 | -- | -- | -- | -- | 0.7899 | 0.9219 | -- | -- | -- | -- | 17.42 | 24.56 | -- | -- | -- | 40.46 | 67.59 | 29.51 | 5.42 | 12.53 | -- | 6.62 |
| GBank Financial Holdings Inc | 84.33m | 20.93m | 467.58m | 184.00 | 22.86 | 2.87 | 34.11 | 6.15 | 1.44 | 1.44 | 5.25 | 11.52 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 27.53 | -- | -- | -- | -- | -- | 12.09 | -- | 12.30 | -- | -- | -- |
| Community West Bancshares | 185.71m | 38.17m | 470.08m | 338.00 | 12.26 | 1.15 | 15.57 | 3.21 | 2.00 | 2.00 | 7.69 | 21.37 | -- | -- | -- | -- | 1.06 | 0.9244 | -- | -- | -- | -- | 26.02 | 24.35 | -- | -- | -- | 27.95 | 15.79 | 22.98 | 397.89 | 13.41 | -- | 1.76 |
| Carter Bankshares Inc | 229.43m | 30.82m | 478.98m | 680.00 | 16.01 | 1.18 | 12.34 | 3.24 | 1.36 | 1.36 | 6.52 | 18.43 | -- | -- | -- | -- | 0.6593 | 0.3921 | -- | -- | -- | -- | 21.07 | 11.80 | -- | -- | -- | -- | 12.89 | 6.86 | 4.69 | -1.75 | -0.7689 | -- |
| Southern First Bancshares Inc | 211.48m | 30.37m | 480.13m | 297.00 | 15.62 | 1.30 | 20.15 | 4.07 | 3.74 | 3.74 | 14.56 | 44.89 | -- | -- | -- | -- | 0.7152 | 0.7424 | -- | -- | -- | -- | 25.71 | 26.45 | -- | -- | -- | -- | 5.10 | 17.40 | 95.53 | 10.63 | -- | -- |
| First Business Financial Services Inc | -100.00bn | -100.00bn | 486.20m | 365.00 | -- | 1.31 | -- | -- | -- | -- | -- | 44.63 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Streamex Corp | 13.00k | -39.89m | 496.02m | 5.00 | -- | -- | -- | 38,155.46 | -1.40 | -1.40 | 0.0005 | -0.1933 | 0.0002 | -- | 0.321 | 2,600.00 | -60.41 | -266.73 | -1,739.84 | -392.02 | -- | -- | -306,546.20 | -20,163.95 | -- | -3.00 | -- | -- | 122.22 | -- | 63.81 | -- | -- | -- |
| Kearny Financial Corp. | 322.90m | 32.37m | 519.21m | 504.00 | 15.58 | 0.6855 | 14.01 | 3.12 | 0.5147 | 0.5147 | 2.65 | 11.70 | -- | -- | -- | -- | 0.4217 | 0.2921 | -- | -- | -- | -- | 19.44 | 12.43 | -- | -- | -- | 128.76 | -1.34 | 6.41 | 130.09 | -10.33 | -10.71 | 8.70 |
| Unity Bancorp Inc | 173.63m | 57.95m | 543.22m | 220.00 | 9.60 | 1.57 | 12.29 | 4.12 | 5.67 | 5.67 | 12.90 | 34.63 | -- | -- | -- | -- | 2.06 | 1.76 | -- | -- | -- | -- | 43.96 | 40.37 | -- | -- | -- | 11.29 | 11.49 | 17.08 | 39.81 | 19.64 | -- | 12.63 |
Data as of Feb 11 2026. Currency figures normalised to Southern First Bancshares Inc's reporting currency: US Dollar USD
52.79%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| FJ Capital Management LLCas of 30 Sep 2025 | 807.22k | 9.86% |
| T. Rowe Price Investment Management, Inc.as of 30 Sep 2025 | 806.33k | 9.85% |
| Endeavour Capital Advisors, Inc.as of 30 Sep 2025 | 586.01k | 7.16% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 559.72k | 6.84% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 386.01k | 4.71% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 355.90k | 4.35% |
| Columbia Management Investment Advisers LLCas of 30 Sep 2025 | 271.67k | 3.32% |
| Rhino Investment Partners, Inc.as of 30 Sep 2025 | 210.12k | 2.57% |
| Geode Capital Management LLCas of 30 Sep 2025 | 179.61k | 2.19% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 160.68k | 1.96% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
