Southern First Bancshares, Inc. (SFST) Stock Score, Valuation & Financial Research
Southern First Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 45/100.
Quick answer for SFST
Southern First Bancshares, Inc. currently has a Wall Street Score of 45/100. The stored market price is $63.52. Its financial score is 23/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Southern First Bancshares, Inc. does
Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credi
SFST financial snapshot
- Wall Street Score:
- 45/100
- Current price:
- $63.52
- Market capitalization:
- $600.6M
- Revenue:
- $211.6M
- Net income:
- $39.6M
- Free cash flow:
- $29.9M
- Cash:
- $30.1M
- Total debt:
- $253.4M
- EPS:
- 3.77
- P/E ratio:
- 16.8x
- Financial score:
- 23/100
- Valuation score:
- 93/100
- Revenue score:
- 26/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $29.9M, showing positive cash generation.
- The balance sheet shows $30.1M of cash versus $253.4M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 23/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research SFST
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.