Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services ...
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Est. EPS $1.25 · Revenue $37.60M · 2 analysts
Est. EPS $1.35 · Revenue $39.10M · 2 analysts
Est. EPS $5.00 · Revenue $146.40M · 2 analysts
Est. EPS $1.41 · Revenue $40.30M · 1 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $224.6M | +5.3% | +82.4% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $30.4M | +95.5% | +13.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +51.3% | +17.2% | -41.2% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +17.6% | +88.9% | -36.5% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +13.5% | +85.7% | -37.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $29.9M | +20.6% | +59.4% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +13.3% | +14.5% | -12.6% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 71.9% | -10.4% | -11.3% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.02x | +128.3% | +91580.6% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $4.4B | +7.7% | +2.7% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 3.75 vs 3.65 | +2.7% | 1.20 vs 1.25 | -4.4% |
| Revenue Surprise | $224.6M vs $118.2M | +90.0% | $61.6M vs $37.6M | +63.9% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 28, 2026 | CUBBAGE LEIGHTON M | director | Common Stock | D | 400 | $63.00 |
| Aug 25, 2026 | CUBBAGE LEIGHTON M | director | Common Stock | D | 350 | $63.05 |
| Aug 24, 2026 | CUBBAGE LEIGHTON M | director | Common Stock | D | 400 | $63.00 |
| Aug 20, 2026 | CUBBAGE LEIGHTON M | director | Common Stock | D | 800 | $63.02 |
| Aug 12, 2026 | SEAVER R ARTHUR JR | director, officer: Chief Executive Officer | Common Stock | D | 5,000 | $63.00 |
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
R. Arthur Seaver Jr. | Chief Executive Officer & Director | USD 740,243 | Male | 1964 | Active |
Calvin C. Hurst | President & Chief Banking Officer | USD 543,889 | Male | 1982 | Active |
Chris Zych | Executive Vice President & Chief Financial Officer | USD 462,326 | Male | 1972 | Active |
Wesley C. Wilbanks | Executive VP & Chief Credit Officer of Southern First Bank | USD 328,672 | Male | — | Active |
Julie A. Fairchild | Chief Accounting Officer & Principal Accounting Officer | USD 296,792 | Female | 1975 | Active |
Silvia T. King | Chief Human Resources Officer | USD 256,424 | Female | 1978 | Active |
Frederick Gilmer | Executive Vice President of Southern First Bank and Senior Lending Officer of Southern First Bank | USD 21,600 | Male | 1965 | Active |
Brian Kornahrens | Team Leader & SVP | — | Male | — | Active |
Carl Francois | Executive Director and SVP of BSA, Fraud & Compliance | — | Male | — | Active |
Brandon Rich | Senior Vice President & Executive Director of Market Support | — | Male | — | Active |
Southern First (SFST) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Does Southern First (SFST) have what it takes to be a top stock pick for momentum investors? Let's find out.
While the top- and bottom-line numbers for Southern First (SFST) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Southern First (SFST) came out with quarterly earnings of $1.2 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $0.81 per share a year ago.
GREENVILLE, S.C., July 21, 2026 /PRNewswire/ -- Southern First Bancshares, Inc. (NASDAQ: SFST) (Southern First), today announced its financial results for the three months ended June 30, 2026.
