Southern First Bancshares Inc. Common Stock (SFST)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Graham/Buffett-style investor, I see a $569 million regional bank serving the Carolinas and Georgia with 315 employees. At the 2026-10-13 close of $60.09, FairStock puts it at 12.95 times earnings and 1.26 times book, with ROE of 9.93% and a 0.72 beta. That is not a bargain-basement bank, but the multiple is moderate for a profitable lender. The filed record shows improving earnings: FY2023 net income $13.4 million and diluted EPS $1.66; FY2024 $15.5 million and $1.91; FY2025 $30.4 million and $3.72. In fiscal Q2 2026, the quarter ended 2026-06-30, the 10-Q shows net income of $11.2 million and diluted EPS of $1.20, versus $6.6 million and $0.81 in fiscal Q2 2025. FairStock's Lynch category is STALWART: steady profit growth of 10.6% a year over five years, but revenue down 20.5%. That tells me the growth is real but uneven. The main weakness is the absence of bank-specific credit data. CET1, net interest margin, nonperforming loans, net charge-offs, reserve coverage and efficiency ratio are not in the data, so I cannot verify underwriting discipline. P/B of 1.26 for a roughly 10% ROE is fair, not cheap. The Piotroski F-Score of 6/9 is middling, the FairStock Score is 63/100, and a 0% dividend means no cash return. Respectable, but not compelling without credit and capital detail.

In plain English: Southern First Bancshares is a small regional bank operating in South Carolina, North Carolina, and Georgia. It makes money from loans and deposits. Recent profits have been growing, and at the 2026-10-13 close the stock looks reasonably priced against its earnings and accounting value, but important loan-quality and capital details are not in the data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer