Intratio
Quantitative Research
Skip to main content
AI Market Summary
Loading market intelligence...
  • Sign in
    My account
    Logout
AI 90-DAY FORECAST
BULLISH SIGNAL DETECTED
██.█% Sign up free to reveal

Southern First Bancshares Inc (SFST) AI Forecast

Our AI detected a significant signal for Southern First Bancshares Inc. Create a free account to see the exact price target.

✓ Free account • ✓ 30-day free trial

$SFST Bullish Signal Full forecast available
Sign Up Free

Southern First Bancshares Inc (SFST) Stock Forecast 2025

Southern First Bancshares Inc (SFST) AI Stock Price Forecast & Investment Analysis

Southern First Bancshares Inc Stock Price Chart and Technical Analysis

Loading chart...

Southern First Bancshares Inc (SFST) - Comprehensive Stock Analysis & Investment Research

Deep dive into Southern First Bancshares Inc's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on March 3, 2026, 12:42 a.m. (UTC)

Southern First Bancshares Inc Investment Summary

When evaluating whether Southern First Bancshares Inc (SFST) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Southern First Bancshares Inc (SFST) operates within the Finance sector, specifically in the National Commercial Banks industry. The company employs approximately 325 people. With a market capitalization of $459 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Southern First Bancshares Inc's revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Southern First Bancshares Inc along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Southern First Bancshares Inc is suitable for your investment objectives, risk tolerance, and time horizon...

Continue Reading Full Analysis

Get the complete investment breakdown for Southern First Bancshares Inc

Sign Up Free
Corporate Identity

Southern First Bancshares Inc (Stock Symbol: SFST) is a prominent company operating within the Finance sector, with a specific focus on the National Commercial Banks industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about Southern First Bancshares Inc's leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Southern First Bancshares Inc...

Sector & Industry Analysis

In-depth sector dynamics and industry context for Southern First Bancshares Inc...

Unlock Full Company Profile

Get complete details about Southern First Bancshares Inc

Sign Up Free
Revenue & Growth Analysis

Southern First Bancshares Inc generates annual revenues of $115 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Southern First Bancshares Inc...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Southern First Bancshares Inc...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Southern First Bancshares Inc...

Unlock Financial Analysis

Get complete financial metrics for Southern First Bancshares Inc

Sign Up Free
AI ANALYSIS AVAILABLE

Unlock Southern First Bancshares Inc's AI Price Forecast

Join 10,000+ investors using our 67%+ accurate AI predictions

4,000+ Stocks Analyzed
67%+ Accuracy Rate
Daily Updates
Start 30-Day Free Trial →

✓ 30-day free trial • ✓ Cancel anytime

Strategic Market Position

Southern First Bancshares Inc strategically competes in the highly dynamic National Commercial Banks marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Southern First Bancshares Inc competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $46 million annually , with year-over-year cash flow growth of 12.8%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.03x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Southern First Bancshares Inc (SFST) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Southern First Bancshares Inc stock analysis.

Deep dive into Southern First Bancshares Inc's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Southern First Bancshares Inc stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Southern First Bancshares Inc: With a P/E ratio of 15.10, the market moderately values the company's earnings.

P/E Ratio 15.10x
P/B Ratio 1.24x
Market Cap $459M
EPS $2.70
Book Value/Share $44.89
Revenue/Share $14.02
FCF/Share $1.49
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Southern First Bancshares Inc converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Southern First Bancshares Inc: An ROE of 17.1% demonstrates excellent shareholder value creation.

ROE 17.1%
ROA 1.6%
Net Margin 10.2%
EBT Margin 60.1%
Tax Rate 23.3%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Southern First Bancshares Inc's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Southern First Bancshares Inc:

D/E Ratio 0.13x
Financial Leverage 11.03x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Southern First Bancshares Inc's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Southern First Bancshares Inc: Free cash flow of $46M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $75M
Free Cash Flow $46M
Capital Spending -$30M
OCF Growth YoY 12.8%
FCF Growth YoY 35.5%
FCF/Sales 47.4%
CapEx/Sales 30.9%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Southern First Bancshares Inc uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Southern First Bancshares Inc: An asset turnover of 0.03x suggests room for improvement in asset utilization.

Asset Turnover 0.03x
Fixed Assets Turnover 1.2x
Understanding Financial Statement Data

What these metrics mean: Key figures from Southern First Bancshares Inc's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Southern First Bancshares Inc: With annual revenue of $115M, Southern First Bancshares Inc demonstrates solid business size.

Income Statement
Total Revenue $115M
Net Income $2M
SG&A Expense $39M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 5%
Total Liabilities 91%
Accounts Receivable 0%
Dividend & Shareholder Information
Shares Outstanding 8M
Growth Metrics (YoY)
EPS Growth 0.4%

Latest Southern First Bancshares Inc Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Southern First Bancshares Inc (SFST) stock price and investment outlook.

More news available

Sign up free to read all 5 news articles and stay updated on market developments.

Sign Up Free to Read More

Southern First Bancshares Inc Competitors & Peer Analysis - Finance Sector

Comparative analysis of Southern First Bancshares Inc against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Alerus Financial Corp ALRS ██% $619M 12.3x 1.1x
Jpmorgan Chase & Co AMJB ██% $88.86B 1.5x 0.3x
Amerant Bancorp Inc. AMTB ██% $904M 17.2x 1.0x
Ubs Ag AMUB ██% $84.17B x x
Arrow Financial Corp AROW ██% $540M 15.7x 1.3x
Ameriserv Financial Inc /Pa/ ASRV ██% $63M 12.4x 0.6x
Ames National Corp ATLO ██% $247M 15.4x 1.2x
Bank Of America Corp /De/ BAC ██% $359.40B 11.8x 1.2x
Bank Of America Corp /De/ BAC-PB ██% $186.97B 6.3x 0.6x
Bank Of America Corp /De/ BAC-PE ██% $147.76B 5.0x 0.5x
Bank Of America Corp /De/ BAC-PK ██% $183.31B 6.2x 0.6x
Bank Of America Corp /De/ BAC-PL ██% $9.15T 308.5x 30.1x
Bank Of America Corp /De/ BAC-PM ██% $167.48B 5.7x 0.6x
Bank Of America Corp /De/ BAC-PN ██% $156.26B 5.3x 0.5x
Bank Of America Corp /De/ BAC-PO ██% $133.91B 4.5x 0.4x
Bank Of America Corp /De/ BAC-PP ██% $126.87B 4.3x 0.4x
Bank Of America Corp /De/ BAC-PQ ██% $131.34B 4.4x 0.4x
Bank Of America Corp /De/ BAC-PS ██% $147.69B 5.0x 0.5x
Bank Of America Corp /De/ BACRP ██% $1.47T 49.5x 4.8x
Banc Of California, Inc. BANC ██% $2.98B 14.3x 0.9x
Banc Of California, Inc. BANC-PF ██% $3.81B 18.3x 1.1x
Bancfirst Corp /Ok/ BANF ██% $3.69B 15.3x 2.0x
Bancfirst Corp /Ok/ BANFP ██% $866M 3.7x 0.5x
California Bancorp \ Ca BCAL ██% $613M 13.1x 1.1x
Bank First Corp BFC ██% $1.51B 21.1x 2.4x
Burke & Herbert Financial Services Corp. BHRB ██% $968M 8.3x 1.1x
Bank Of America Corp /De/ BML-PG ██% $141.09B 4.8x 0.5x
Bank Of America Corp /De/ BML-PH ██% $141.02B 4.8x 0.5x
Bank Of America Corp /De/ BML-PJ ██% $151.35B 5.1x 0.5x
Bank Of America Corp /De/ BML-PL ██% $145.12B 4.9x 0.5x
Bok Financial Corp BOKF ██% $7.62B 13.2x 1.3x
Citigroup Inc C ██% $201.87B 14.1x 1.0x
Camden National Corp CAC ██% $781M 13.6x 1.2x
Carter Bankshares, Inc. CARE ██% $467M 15.0x 1.1x
Pathward Financial, Inc. CASH ██% $2.03B 27.4x 2.4x
Consumers Bancorp Inc /Oh/ CBKM ██% $80M 8.4x 0.9x
Chain Bridge Bancorp Inc CBNA ██% $226M 12.2x 1.4x
Capital Bancorp Inc CBNK ██% $488M 9.8x 1.2x
Community Financial System, Inc. CBU ██% $3.25B 15.8x 1.7x
Cf Bankshares Inc. CFBK ██% $195M 12.0x 1.1x
California First Leasing Corp CFNB ██% $254M 51.1x 1.3x
Cullen/Frost Bankers, Inc. CFR ██% $9.09B 14.0x 2.0x
Cullen/Frost Bankers, Inc. CFR-PB ██% $1.15B 1.8x 0.3x
City Holding Co CHCO ██% $1.74B 13.3x 2.2x
Comerica Inc CMA ██% $11.53B 16.1x 1.3x
Community Bancorp /Vt CMTV ██% $176M 10.7x 1.6x
Capital One Financial Corp COF ██% $128.64B 52.4x 1.1x
Capital One Financial Corp COF-PI ██% $12.58B 8.9x 0.1x
Capital One Financial Corp COF-PJ ██% $11.84B 8.4x 0.1x
Capital One Financial Corp COF-PK ██% $11.46B 8.1x 0.1x
Capital One Financial Corp COF-PL ██% $10.94B 7.7x 0.1x
Capital One Financial Corp COF-PN ██% $10.72B 7.6x 0.1x
Citigroup Inc C-PN ██% $58.27B 4.0x 0.3x
Dime Community Bancshares, Inc. /Ny/ DCOM ██% $1.46B 13.2x 1.0x
Dime Community Bancshares, Inc. /Ny/ DCOMG ██% $1.16B 19.8x 0.8x
Dime Community Bancshares, Inc. /Ny/ DCOMP ██% $836M 14.3x 0.6x
Enb Financial Corp ENBP ██% $140M 7.1x 0.9x
First Commonwealth Financial Corp /Pa/ FCF ██% $1.83B 12.8x 1.2x
Fidelity D & D Bancorp Inc FDBC ██% $253M 9.7x 1.1x
First Financial Bancorp /Oh/ FFBC ██% $2.67B 10.5x 1.0x
First Horizon Corp FHN ██% $12.02B 12.2x 1.4x
First Horizon Corp FHN-PC ██% $12.98B 14.6x 1.5x
First Horizon Corp FHN-PE ██% $12.87B 14.5x 1.4x
First Horizon Corp FHN-PF ██% $9.42B 10.6x 1.1x
Financial Institutions Inc FIISO ██% $2.62B x 4.2x
Financial Institutions Inc FISI ██% $631M 8.1x 1.0x
Farmers & Merchants Bancorp FMCB ██% $866M 9.5x 1.3x
Fnb Corp/Pa/ FNB ██% $6.13B 10.9x 0.9x
First Bancorp, Inc /Me/ FNLC ██% $310M 9.8x 1.1x
First Merchants Corp FRME ██% $2.23B 9.9x 0.9x
First Merchants Corp FRMEP ██% $1.47B 6.3x 0.6x
Firstsun Capital Bancorp FSUN ██% $1.03B 11.6x 0.9x
Fulton Financial Corp FULT ██% $3.71B 9.5x 1.1x
Fulton Financial Corp FULTP ██% $3.48B 9.6x 1.0x
First United Corp/Md/ FUNC ██% $233M 9.3x 1.2x
Guaranty Bancshares Inc /Tx/ GNTY ██% $553M 15.3x 1.7x
Hanmi Financial Corp HAFC ██% $781M 10.3x 1.0x
Huntington Bancshares Inc /Md/ HBAN ██% $34.10B 15.4x 1.4x
Huntington Bancshares Inc /Md/ HBANL ██% $37.75B 17.0x 1.7x
Huntington Bancshares Inc /Md/ HBANM ██% $33.44B 15.1x 1.5x
Huntington Bancshares Inc /Md/ HBANP ██% $26.05B 11.7x 1.2x
Hope Bancorp Inc HOPE ██% $1.52B 24.6x 0.7x
Hawthorn Bancshares, Inc. HWBK ██% $229M 10.3x 1.4x
Jpmorgan Chase & Co JPM ██% $817.76B 14.3x 2.3x
Jpmorgan Chase & Co JPM-PC ██% $71.22B 1.2x 0.2x
Jpmorgan Chase & Co JPM-PD ██% $70.80B 1.2x 0.2x
Jpmorgan Chase & Co JPM-PJ ██% $58.06B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PK ██% $55.54B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PL ██% $56.46B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PM ██% $52.61B 0.9x 0.2x
Keycorp /New/ KEY ██% $22.78B 12.5x 1.1x
Keycorp /New/ KEY-PI ██% $27.84B 25.9x 1.4x
Keycorp /New/ KEY-PJ ██% $24.50B 22.8x 1.2x
Keycorp /New/ KEY-PK ██% $24.50B 22.8x 1.2x
Keycorp /New/ KEY-PL ██% $28.04B 26.1x 1.4x
Landmark Bancorp Inc LARK ██% $173M 10.0x 1.1x
Lcnb Corp LCNB ██% $248M 10.5x 0.9x
Bank Of America Corp /De/ MER-PK ██% $188.29B 6.4x 0.6x
Mizuho Financial Group Inc MFG ██% $109.15B x 0.0x
Meridian Corp MRBK ██% $224M 11.1x 1.2x
Mizuho Financial Group Inc MZHOF ██% $104.20B x 0.0x
National Bank Holdings Corp NBHC ██% $1.80B 16.4x 1.3x
Nbt Bancorp Inc NBTB ██% $2.16B 12.8x 1.1x
Newtekone, Inc. NEWT ██% $355M 6.0x 0.9x
Newtekone, Inc. NEWTG ██% $730M 12.3x 1.9x
Newtekone, Inc. NEWTH ██% $724M 12.2x 1.9x
Newtekone, Inc. NEWTI ██% $734M 12.4x 1.9x
Newtekone, Inc. NEWTZ ██% $721M 12.2x 1.9x
Nicolet Bankshares Inc NIC ██% $2.26B 15.0x 1.8x
National Bankshares Inc NKSH ██% $240M 18.4x 1.3x
Northwest Bancshares, Inc. NWBI ██% $1.82B 14.4x 1.0x
Oceanfirst Financial Corp OCFC ██% $1.04B 14.6x 0.6x
Old National Bancorp /In/ ONB ██% $9.00B 13.5x 1.1x
Old National Bancorp /In/ ONBPO ██% $9.89B 16.3x 1.2x
Old National Bancorp /In/ ONBPP ██% $9.89B 16.3x 1.2x
Optimumbank Holdings, Inc. OPHC ██% $62M 4.0x 0.5x
Peoples Financial Services Corp. PFIS ██% $536M 10.1x 1.1x
Patriot National Bancorp Inc PNBK ██% $144M x 1.5x
Pnc Financial Services Group, Inc. PNC ██% $86.65B 12.5x 1.4x
Pinnacle Financial Partners Inc PNFP ██% $14.29B 22.9x 2.1x
Pinnacle Financial Partners Inc PNFPP ██% $1.94B 3.1x 0.3x
Park National Corp /Oh/ PRK ██% $2.97B 16.5x 2.3x
Regions Financial Corp RF ██% $24.82B 11.5x 1.3x
Regions Financial Corp RF-PC ██% $22.50B 10.4x 1.2x
Regions Financial Corp RF-PE ██% $15.79B 7.3x 0.8x
Regions Financial Corp RF-PF ██% $23.07B 10.7x 1.2x
Simmons First National Corp SFNC ██% $2.88B 14.1x 0.8x
Southern First Bancshares Inc SFST ██% $459M 15.1x 1.2x
Shore Bancshares Inc SHBI ██% $621M 10.9x 1.1x
Smartfinancial Inc. SMBK ██% $668M 14.4x 1.2x
Seneca Bancorp, Inc. SNNF ██% $20M x 0.8x
Synovus Financial Corp SNV ██% $6.95B 8.7x 1.2x
Synovus Financial Corp SNV-PD ██% $3.51B 4.4x 0.6x
Synovus Financial Corp SNV-PE ██% $3.59B 4.5x 0.6x
Stellar Bancorp, Inc. STEL ██% $1.92B 18.6x 1.2x
Bancorp, Inc. TBBK ██% $2.22B 9.7x 3.2x
Truist Financial Corp TFC ██% $62.25B 11.7x 1.0x
Trustmark Corp TRMK ██% $2.51B 11.2x 1.2x
United Security Bancshares UBFO ██% $182M 16.0x 1.3x
United Bancshares Inc/Oh UBOH ██% $124M 10.9x 1.5x
Ubs Group Ag UBS ██% $143.43B x x
Umb Financial Corp UMBF ██% $8.80B 12.5x 1.1x
Umb Financial Corp UMBFO ██% $2.07B 3.4x 0.3x
Us Bancorp \De\ USB ██% $91.81B 12.1x 1.4x
Us Bancorp \De\ USB-PA ██% $1.21T 168.7x 19.1x
Us Bancorp \De\ USB-PH ██% $29.45B 4.1x 0.5x
Us Bancorp \De\ USB-PP ██% $36.73B 5.1x 0.6x
Us Bancorp \De\ USB-PQ ██% $24.37B 3.4x 0.4x
Us Bancorp \De\ USB-PR ██% $25.91B 3.6x 0.4x
Us Bancorp \De\ USB-PS ██% $29.28B 4.1x 0.5x
Virginia National Bankshares Corp VABK ██% $209M 11.7x 1.2x
Valley National Bancorp VLY ██% $7.06B 11.8x 0.9x
Valley National Bancorp VLYPN ██% $14.81B 28.6x 1.9x
Valley National Bancorp VLYPO ██% $14.13B 27.3x 1.8x
Valley National Bancorp VLYPP ██% $14.21B 27.4x 1.9x
Jpmorgan Chase & Co VYLD ██% $79.29B 1.4x 0.2x
Westamerica Bancorporation WABC ██% $1.25B 10.7x 1.3x
Wafd Inc WAFD ██% $2.49B 10.3x 0.8x
Wafd Inc WAFDP ██% $1.30B 5.8x 0.4x
Wilson Bank Holding Co WBHC ██% $6.68B 88.3x 11.5x
Webster Financial Corp WBS ██% $11.63B 11.6x 1.2x
Webster Financial Corp WBS-PF ██% $3.21B 3.5x 0.3x
Webster Financial Corp WBS-PG ██% $3.94B 4.3x 0.4x
Wells Fargo & Company/Mn WFC ██% $267.54B 12.5x 1.5x
Wells Fargo & Company/Mn WFCNP ██% $6.61B 0.3x 0.0x
Wells Fargo & Company/Mn WFC-PA ██% $61.44B 2.9x 0.3x
Wells Fargo & Company/Mn WFC-PC ██% $57.81B 2.8x 0.3x
Wells Fargo & Company/Mn WFC-PD ██% $56.37B 2.7x 0.3x
Wells Fargo & Company/Mn WFC-PL ██% $3.90T 185.1x 21.5x
Wells Fargo & Company/Mn WFC-PY ██% $77.02B 3.7x 0.4x
Wells Fargo & Company/Mn WFC-PZ ██% $62.35B 3.0x 0.3x
Wesbanco Inc WSBC ██% $3.47B 19.1x 0.8x
Wesbanco Inc WSBCP ██% $2.40B 18.0x 0.6x
Wsfs Financial Corp WSFS ██% $3.77B 13.5x 1.4x
Zions Bancorporation, National Association /Ut/ ZION ██% $8.46B 9.4x 1.2x
Zions Bancorporation, National Association /Ut/ ZIONP ██% $2.92B 3.4x 0.4x
Reveal all forecasts See exact % predictions for all competitors
Sign up free

Frequently Asked Questions - Southern First Bancshares Inc Stock Forecast

How accurate are Southern First Bancshares Inc stock predictions?

Our AI model shows a -19% Spearman correlation coefficient for SFST predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Southern First Bancshares Inc stock price forecasts?

Our analysis considers Southern First Bancshares Inc's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Southern First Bancshares Inc a good investment in 2025?

Based on our AI analysis, Southern First Bancshares Inc shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Southern First Bancshares Inc forecasts updated?

Southern First Bancshares Inc stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

My Portfolio

Investment Dashboard

Loading your portfolio...