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Southern First Bancshares Inc (SFST) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Southern First Bancshares Inc stock $33.73, price $59.27, that is 43.1% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

SF Southern First Bancshares Inc logo Some data Nov 8, 2026

Southern First Bancshares Inc

SFST · US
Very expensive, weak quality

Our calculation puts a fair price 43% below what the stock costs today.

Healthy Growth (revenue 5y +13.0 %/yr in USD)
Highly profitable · 32.1% net margin (TTM)
Revenue last quarter +19% vs. a year ago.
Quality 46/100
Moderate moat 61/100
Insiders bought $18,981 (6M) · sold $2.2M
Some data
Fair value $33.73 · Strongly overvalued
Trails peers (3/14)
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$65.02 $21.33 Fair Value $33.73 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $21.33 – $65.02 · fair‑value band $25.30 – $42.16 · the $59.27 price screens above the $33.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia.

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The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit.

Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit.

In addition, the company offers other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.

Stock analysis

Southern First Bancshares Inc (SFST) currently trades at $59.27, while our model-based Fair Value estimate is $33.73, 43% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $39.68 per share, and 0 of the 4 models we run sit above the $59.27 price.

Bear case: the Asset-Based group reads lowest at $26.08, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $25.30 (bear) to $42.16 (bull), the price of $59.27 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Southern First Bancshares Inc reported revenue of $225M in FY2025 versus $110M in FY2021, a compound +19.5%/yr. Reported net income was $30.4M in FY2025, compounding −10.2%/yr from FY2021.

Key figures

Market cap $552M Small · P/E ratio 12.2 · P/S ratio 4.10 · EPS (TTM) $4.85 · Net margin 32.1% · Return on equity 10.6% · Return on assets (EBIT) 1.0% (5-year average) · Operating margin 46.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −43%, SFST screens richer than that median.

Fair Value models

Bear $25.30 Fair Value $33.73 Bull $42.16
Price $59.27 · Downside -43.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.16 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $31.20 $33.02 $36.80 71
P/E Multiple $31.26 $41.68 $52.10 63
P/B Multiple $28.26 $37.68 $47.10 55
All 4 models by family
Multiples
P/E Multiple $31.26 $41.68 $52.10 63
P/B Multiple $28.26 $37.68 $47.10 55
Asset-Based
NCAV (Graham) $19.46 $26.08 $38.92 54
Economic Profit
Residual Income $31.20 $33.02 $36.80 71

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 25
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 62
Do the profits arrive as real cash?
Financial strength 7
Debt, balance sheet and risk of trouble
Investment 90
Does it invest with discipline instead of growing at any price?
Low Volatility 77
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 72
Distance to the 52-week high, does not count
New shares 16
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $18,981, on Sep 14, 2026. Over the same period, 5 people sold shares worth $2.2M.

  • SaleJames B Orders IIIDirector8,045 shares at $62.05$499,171Sep 18, 2026
  • BuyAnna T LockeDirector300 shares at $63.27$18,981Sep 14, 2026
  • SaleLeighton M CubbageDirector5× since Jun 10, 2026: 4,880 shares, avg. $62.21$303,596Sep 3, 2026
  • SaleR Arthur Seaver JrChief Executive Officer, Director2× since Dec 15, 2025: 31,000 shares, avg. $60.86$1.9MAug 12, 2026
  • SaleJulie Ann FairchildChief Accounting Officer2× since Nov 21, 2025: 2,758 shares, avg. $57.07$157,400Aug 3, 2026
  • SaleRay LattimoreDirector253 shares at $59.28$14,998Jun 23, 2026
  • BuyWilliam Maner IVDirector400 shares at $52.35$20,940Mar 6, 2026
  • SaleSilvia T KingChief Human Resources Officer2,625 shares at $60.49$158,786Feb 26, 2026
  • SaleDavid G EllisonDirector1,000 shares at $53.29$53,290Dec 10, 2025

Plus 20 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 93/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.0%
Start year 2020 (pandemic). Over 10 years: +15.2% a year
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.7%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−4.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.9%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.9% vs 9.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.20% → 18%
2025 sits 96% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

SFST screens overvalued: fair value 43% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 3/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 46 · Bottom 25%
Fair Value upside −43.1% · Bottom 25%
Profitability
Return on equity (12 months) 10.6% · Below median
Return on assets 0.7% · Below median
Net margin (12 months) 32.1% · Above median
Operating margin (12 months) 46.4% · Above median
Growth and dividend
Revenue growth (quarter YoY) 19.3% · Top 25%
Balance sheet
Debt / equity 0.72× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.2× · Pricier than median
P/B 1.50× · Pricier than median
P/S (12 months) 4.10× · Pricier than median
Price / free cash flow (fiscal year) 18.5× · Priciest 25%
EV/EBITDA 16.5× · Priciest 25%
PEG 2.31× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)97 · sector 47
PAST (return on equity)42 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs SFST
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs SFST
BNP Paribas SA BNP €93.98 €106.01 +13% vs SFST
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs SFST
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs SFST
Mizuho Financial Group MFG $9.40 $5.89 −37% vs SFST
UniCredit S.p.A UCG €81.62 €50.44 −38% vs SFST
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SFST
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs SFST
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs SFST

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Cite: Fair Value Calculator (2026). "Southern First Bancshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/SFST

Frequently asked questions

Is Southern First Bancshares Inc (SFST) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $33.73 versus a price of $59.27, about 43% lower (overvalued).
What is the fair value of SFST?
Our model-based fair value for Southern First Bancshares Inc is $33.73 (as of Nov 8, 2026), built from audited fundamentals. The current price: $59.27.
What is the quality score of SFST?
Southern First Bancshares Inc has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Southern First Bancshares Inc (SFST)?
Our model-based price target is the fair value of $33.73 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $25.30, optimistic scenario $42.16. It is a calculation from audited fundamentals, not an analyst target.
What is the Southern First Bancshares Inc stock forecast for 2026?
Our models put fair value at $33.73, about 43% lower versus a price of $59.27 (overvalued). Cautious scenario $25.30, optimistic scenario $42.16. The calculation is refreshed regularly with new filings.
What is the revenue of Southern First Bancshares Inc (SFST)?
Southern First Bancshares Inc reported trailing-twelve-month revenue of about $135M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Southern First Bancshares Inc (SFST)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Southern First Bancshares Inc it is $33.73 per share (as of Nov 8, 2026), against a price of $59.27. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Southern First Bancshares Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, SFST trades above its calculated fair value: price $59.27, fair value $33.73, a gap of about −43% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SFST?
No. The price is what the market pays today ($59.27); the fair value is what the company's own numbers justify ($33.73). For Southern First Bancshares Inc the two are $25.54 per share apart. That gap is exactly why we show both numbers side by side.
How much is Southern First Bancshares Inc worth?
The market values Southern First Bancshares Inc at about $552M (market capitalisation, as of Nov 8, 2026). Per share that is $59.27; our models calculate a fair value of $33.73 per share.
What do the bullish and bearish scenarios say about SFST?
Our models span a range for Southern First Bancshares Inc: cautious scenario $25.30, base $33.73, optimistic $42.16 per share (as of Nov 8, 2026, price $59.27). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SFST?
Southern First Bancshares Inc trades at a price-to-earnings ratio of 12.2 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $33.73 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 14.4. Other multiples: PEG 2.3, P/B 1.5, P/S 4.1, EV/EBITDA 16.5.
What is the PEG ratio of SFST?
The PEG ratio of Southern First Bancshares Inc is 2.31 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Southern First Bancshares Inc (SFST)?
Balance-sheet figures for Southern First Bancshares Inc (as of Nov 8, 2026): return on equity 10.6%, debt of 0.72 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is SFST from its 52-week high?
Southern First Bancshares Inc trades at $59.27, about 8% below its 52-week high of $64.60 and 34% above the low of $44.37 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $33.73 is for.
Which stocks are comparable to Southern First Bancshares Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Southern First Bancshares Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $59.27, calculated fair value $33.73 (−43%), Quality Score 46/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SFST calculated?
We run Southern First Bancshares Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $33.73 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Southern First Bancshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Southern First Bancshares Inc (SFST)?
The closing price on Nov 6, 2026 was $59.27. Our model-based fair value is $33.73, about 43% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Southern First Bancshares Inc right now?
The price sits above even our optimistic bull case ($42.16). The favourable scenario is already priced in. Weak quality (46/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Southern First Bancshares Inc (SFST) come from?
Earnings per share at Southern First Bancshares Inc grew +4.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.7 %, EBIT margin −8.8 %, tax rate +1.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Southern First Bancshares Inc

How large is the market capitalisation of Southern First Bancshares Inc (SFST)?
The market capitalisation of Southern First Bancshares Inc is $552M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Southern First Bancshares Inc (SFST)?
The price-to-sales ratio of Southern First Bancshares Inc is 4.10 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Southern First Bancshares Inc (SFST)?
Earnings per share at Southern First Bancshares Inc are $4.85 (price ÷ EPS = P/E 12.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Southern First Bancshares Inc (SFST)?
The net margin of Southern First Bancshares Inc is 32.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Southern First Bancshares Inc (SFST)?
The return on equity (ROE) of Southern First Bancshares Inc is 10.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Southern First Bancshares Inc (SFST)?
On an EBIT basis the return on assets of Southern First Bancshares Inc is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Southern First Bancshares Inc (SFST)?
The operating margin of Southern First Bancshares Inc is 46.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Southern First Bancshares Inc (SFST)?
Revenue at Southern First Bancshares Inc is growing +19.3% versus a year earlier (3y avg +20.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Southern First Bancshares Inc (SFST)?
Earnings per share at Southern First Bancshares Inc are growing +19.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Southern First Bancshares Inc (SFST) generate?
The free cash flow of Southern First Bancshares Inc is $29.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Southern First Bancshares Inc (SFST) carry?
The net debt of Southern First Bancshares Inc is $179M (fiscal year 2025, ≈ 6.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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