Southern First Bancshares Inc (SFST)
Southern First Bancshares Inc brought in $5.1M of revenue over the twelve months to September 30, 2026, down 8.4% from a year earlier. Net income was $43.2M, a net margin of 839.3%. Operating cash flow minus capital spending left $29.9M of free cash flow in fiscal 2025. At September 30, 2026 it held $399.5M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 30, 2026.
Key facts about Southern First Bancshares Inc
- Net worth
- Southern First Bancshares Inc has a market value (market cap) of $576.1M at the latest share price, and shareholders' equity of $462.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $30.5M of cash; after $581K of capital spending, free cash flow was $29.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 30, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Southern First Bancshares Inc's next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Southern First Bancshares Inc does
Southern First Bancshares Inc is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker SFST.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $6.3M | $30.4M | $3.72 | $29.9M |
| 2024 | $5.6M | $15.5M | $1.91 | $24.8M |
| 2023 | $4M | $13.4M | $1.66 | $16.4M |
| 2022 | $4.2M | $29.1M | $3.61 | $36.4M |
| 2021 | $11.4M | $46.7M | $5.85 | $51.6M |
| 2020 | $19.8M | $18.3M | $2.34 | $13.3M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where SFST ranks in Finance
Latest SEC filings
What Southern First Bancshares Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 30, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 60% to $638K versus the same quarter last year; diluted EPS $1.28 versus $1.07.
- October 20, 2026
- August 28, 2026Other event 8-K
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 3, 2026Quarterly report 10-Q · period to June 30, 2026Revenue fell 16% to $1.3M versus the same quarter last year; diluted EPS $1.20 versus $0.81.
- July 21, 2026
- June 2, 2026
- May 20, 2026
- May 1, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 4.8% to $1.5M versus the same quarter last year; diluted EPS $1.19 versus $0.65.
- April 21, 2026
What is SFST worth? A DCF from its reported cash flow
Insider trades
What the people running Southern First Bancshares Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $19K and sold $756.4K worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 18, 2026 | Orders James B IIIDirector | Sold | 8,045 | $499.2K |
| September 14, 2026 | Locke Anna TDirector | Bought | 300 | $19K |
| September 3, 2026 | Cubbage Leighton MDirector | Sold | 500 | $31.4K |
| September 2, 2026 | Cubbage Leighton MDirector | Sold | 300 | $18.8K |
| September 2, 2026 | Cubbage Leighton MDirector | Sold | 400 | $25K |
| September 2, 2026 | Cubbage Leighton MDirector | Sold | 500 | $31K |
| September 1, 2026 | Cubbage Leighton MDirector | Sold | 465 | $28.2K |
| August 28, 2026 | Cubbage Leighton MDirector | Sold | 400 | $25.2K |
Who owns SFST
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| FJ Capital Management LLC13G, passive with 2 related filers | 9.9% | November 13, 2024 |
| T. Rowe Price Investment Management, Inc.13G, passive | 9.7% | November 14, 2024 |
| Endeavour Capital Advisors Inc.13G, passive with 4 related filers | 7% | August 14, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 165 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| FJ Capital Management LLC | 892,223 | +85,000 |
| BlackRock, Inc. | 830,375 | +117,965 |
| Endeavour Capital Advisors Inc | 662,860 | +55,455 |
| Vanguard Capital Management LLC | 392,789 | +47,904 |
| Dimensional Fund Advisors LP | 387,861 | +7,493 |
| State Street Corp | 373,521 | +205,558 |
| Ameriprise Financial Inc | 247,644 | -23,599 |
| Geode Capital Management, LLC | 237,053 | +56,822 |
| Renaissance Technologies LLC | 186,307 | +35,700 |
| Walleye Capital LLC | 179,992 | new |
| Banc Funds Co LLC | 162,655 | -9,000 |
| American Century Companies Inc | 157,858 | +8,441 |
| Morgan Stanley | 126,040 | +41,436 |
| Maltese Capital Management LLC | 122,000 | +86,974 |
| Hotchkis & Wiley Capital Management LLC | 116,130 | +1,000 |
| Goldman Sachs Group Inc | 106,925 | +41,021 |
| Jpmorgan Chase & Co | 96,212 | +92,824 |
| Alliancebernstein L.P. | 106,590 | +65,027 |
| Stieven Capital Advisors, L.P. | 94,114 | new |
| Bank of America Corp | 91,966 | +73,765 |
Insiders
22 insiders reported holding 488,711 shares in total, about $29.7M at the last price.
| Holder | Shares |
|---|---|
| Cothran Mark ADirector | 100,386 |
| Seaver R Arthur JrChief Executive Officer, Director | 92,026 |
| Ellison David GDirector | 49,971 |
| Orders James B IIIDirector | 49,3652,884 held indirectly |
| Cubbage Leighton MDirector | 46,600 |
| Hooper Tecumseh JrDirector | 43,192 |
| Johnstone Rudolph G IIIDirector | 30,676 |
| Hurst Calvin CPresident | 18,383 |
| Cajka Andrew B JrDirector | 12,696 |
| Zych Christian JChief Financial Officer | 7,078 |
Questions about SFST
What does Southern First Bancshares Inc do?
Southern First Bancshares Inc is a company in the Finance sector, listed on NASDAQ as SFST. Its shares trade on NASDAQ under the ticker SFST.
What is Southern First Bancshares Inc's net worth?
Southern First Bancshares Inc has a market value (market cap) of $576.1M at the latest share price, and shareholders' equity of $462.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Southern First Bancshares Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $43.2M on revenue of $5.1M, a net margin of 839.3%.
How much revenue does Southern First Bancshares Inc make?
Over the twelve months to September 30, 2026 Southern First Bancshares Inc reported revenue of $5.1M. That is 8.4% less than a year earlier.
When did Southern First Bancshares Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 30, 2026. It covers the period to September 30, 2026.
When is Southern First Bancshares Inc's next earnings report?
Southern First Bancshares Inc's next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Southern First Bancshares Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.