NASDAQ · Banks - Regional

SFST (SFST) Stock

$63.45 +1.68% NASDAQ: SFST Financial Services

Valuation

MetricValue
Price$63.45
Market Cap$599.93M
P/E Ratio15.01
P/B Ratio1.44
P/S Ratio2.59
EPS (TTM)$3.75
52-Week High$63.45
52-Week Low$35.36
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE8.13%
ROA0.68%
ROCE10.87%
Gross Margin17.78%
Operating Margin17.78%
Net Margin17.01%
Debt/Equity0.70
Current Ratio0.02

Annual Financials (USD)

Metric20212022202320242025
Revenue$110.0M$128.0M$187.0M$213.0M$225.0M
Operating Profit$61.0M$38.0M$17.0M$20.0M$40.0M
Net Profit$47.0M$29.0M$13.0M$16.0M$30.0M
EPS$5.85$3.61$1.66$1.91$3.75
Op Margin55.1%29.9%9.3%9.3%17.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.9B$3.7B$4.1B$4.1B$4.4B
Total Liabilities$2.6B$3.4B$3.7B$3.8B$4.0B
Cash$80.0M$70.0M$37.0M$34.0M$86.0M
Borrowings$36.0M$211.0M$311.0M$265.0M$265.0M

Latest News

Compared to Estimates, Southern First (SFST) Q2 Earnings: A Look at Key Metrics Zacks · Jul 21, 2026 Southern First (SFST) Q2 Earnings Surpass Estimates Zacks · Jul 21, 2026 Southern First: Q2 Earnings Snapshot Associated Press · Jul 21, 2026 Southern First Reports Second Quarter 2026 Results PR Newswire · Jul 21, 2026 BayFirst Rallies 16% in a Month: Should You Buy the Stock? Zacks · Jul 17, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$78.0M$50.0M$18.0M$26.0M$30.0M
Investing Cash Flow$-437.0M$-807.0M$-380.0M$-30.0M$-207.0M
Financing Cash Flow$421.0M$570.0M$246.0M$56.0M$281.0M
Net Cash Flow$67.0M$4.0M$-15.0M$7.0M$107.0M
Free Cash Flow$52.0M$36.0M$16.0M$25.0M$30.0M

Valuation & Return Ratios

MetricValue
PEG Ratio13.17
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y35.64%
Return 3Y110.68%
Return 5Y18.78%

Ownership

Insiders Held5.39%
Institutions Held74.22%
Institutions Float Held78.45%
Institutional HolderSharesReport Date
T. Rowe Price Investment Management, Inc.817,8412026-03-31
FJ Capital Management LLC807,2232026-03-31
Blackrock Inc.712,4102026-03-31
Endeavour Capital Advisors Inc607,4052026-03-31
Dimensional Fund Advisors LP380,3682026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BWFG $63.58 +2.20% 11.52 $506.93M 1.54%
CARE $34.54 +1.38% 19.60 $767.55M 0.36%
FRBA $18.75 -0.61% 8.86 $471.27M 1.94%
GCBC $33.51 +1.54% 13.04 $570.50M 1.34%
KRNY $9.40 +0.05% 19.05 $591.88M 5.37%

About SFST

SFST is led by CEO R. Arthur Seaver Jr., employs 297 people, headquartered in US, publicly traded since 1999.

SFST stock trades at $63.45 with a market capitalization of $599.93M. The stock is valued at a price-to-earnings (P/E) ratio of 15.01, price-to-book of 1.44, price-to-sales of 2.59. Over the past 52 weeks the stock has ranged between $35.36 and $63.45, and currently trades at its 52-week high.

On profitability, SFST generates a return on equity (ROE) of 8.13%, return on capital employed of 10.87%, an operating margin of 17.78%, a net profit margin of 17.01%.

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