Southern First Bancshares Inc (NASDAQ:SFST)
SOUTHERN FIRST BANCSHARES INC has a live Insider Score.
Scored on 1 qualifying trade from 1 insider in the last 90 days.
Keeps a healthy share of every dollar it sells.
- Revenue
- $216.4M
- Net income
- $43.2M
- Net margin
- 19.9%
A manageable debt load.
- Total debt
- $253.4M
- Cash
- $130.6M
- Net debt / EBITDA
- 2.11x
Owes more within a year than it holds to pay it.
- Current assets
- $548.5M
- Current liabilities
- $4.11B
- Current ratio
- 0.13
The business funds itself from operations.
- Operating cash flow
- $41.2M
- Free cash flow
- $39.3M
- FCF margin
- 18.1%
Heavy dilution — shareholders are paying for the business.
- Shares outstanding
- 9.4M
- Share growth (1y)
- 17.4%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
SFST Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 63.37 M | 61.64 M | 33.80 M | 57.62 M | 58.59 M | 55.65 M |
| Revenue Growth (YoY) | 8.16 % | 10.76 % | -35.94 % | 6.94 % | 7.80 % | 2.93 % |
| Cost of Revenue | 27.23 M | 26.79 M | 1.30 M | 26.44 M | 28.31 M | 27.72 M |
| Gross Profit | 36.13 M | 34.85 M | 32.50 M | 31.18 M | 30.28 M | 27.93 M |
| SG&A Expense | 14.63 M | 14.80 M | 13.27 M | 12.99 M | 16.92 M | 1.01 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 20.30 M | 20.39 M | 20.02 M | 18.42 M | 18.95 M | 19.34 M |
| Operating Income | 15.83 M | 14.46 M | 12.48 M | 12.77 M | 11.33 M | 8.59 M |
| Pretax Income | 15.83 M | 14.46 M | 12.48 M | 12.77 M | 11.33 M | 8.59 M |
| Tax Provision | 3.60 M | 3.27 M | 2.60 M | 2.91 M | 2.67 M | 2.01 M |
| Net Income | 12.23 M | 11.20 M | 9.89 M | 9.86 M | 8.66 M | 6.58 M |
| EPS (Basic) | 1.30 | 1.22 | 1.20 | 1.23 | 1.08 | 0.81 |
| EPS (Diluted) | 1.28 | 1.20 | 1.20 | 1.21 | 1.07 | 0.81 |
| Shares Outstanding | 9.43 M | 9.19 M | 8.16 M | 8.04 M | 8.03 M | 8.12 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.