Growth & profitability
- Revenue has declined 20.5% per year over the past 5 years.
- Net income has grown faster than revenue (10.6% vs -20.5% per year).
- Free cash flow has grown 17.5% per year over the past 5 years.
SFST Financials Southern First Bancshares Inc
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $6M | $30M | 0.0% | 0.0% | 8.2% | 0.7% | $30M | — | $270M |
| 2024 | $6M | $16M | 0.0% | 0.0% | 4.7% | 0.4% | $25M | — | $163M |
| 2023 | $4M | $13M | 0.0% | 0.0% | 4.3% | 0.3% | $16M | — | $156M |
| 2022 | $4M | $29M | 0.0% | 0.0% | 9.9% | 0.8% | $36M | — | $171M |
| 2021 | $11M | $47M | 0.0% | 0.0% | 16.8% | 1.6% | $52M | — | $167M |
| 2020 | $20M | $18M | 0.0% | 0.0% | 8.0% | 0.7% | $13M | — | $101M |
| 2019 | $10M | $28M | 0.0% | 0.0% | 13.5% | 1.2% | $10M | — | $128M |
| 2018 | $6M | $22M | 0.0% | 0.0% | 12.8% | 1.2% | $30M | — | $73M |
| 2017 | $5M | $13M | 0.0% | 0.0% | 8.7% | 0.8% | $12M | — | — |
| 2016 | $7M | $13M | 0.0% | 0.0% | 11.9% | 1.0% | $12M | — | — |
| 2015 | — | $10M | — | — | 10.8% | 0.8% | $15M | — | — |
| 2014 | — | $7M | — | — | 8.0% | 0.6% | — | — | — |
| 2013 | — | $5M | — | — | 7.8% | 0.6% | — | — | — |
| 2012 | — | $4M | — | — | 6.0% | 0.5% | — | — | — |
| 2011 | — | $2M | — | — | 3.3% | 0.3% | — | — | — |
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Mar '26 | $1M | $10M | 0.0% | 0.0% | 2.6% | 0.2% | $10M | — | $343M |
| Dec '25 | $2M | $10M | 0.0% | 0.0% | 2.7% | 0.2% | -$2M | — | $270M |
| Sep '25 | $2M | $9M | 0.0% | 0.0% | 2.4% | 0.2% | $14M | — | $283M |
| Jun '25 | $2M | $7M | 0.0% | 0.0% | 1.9% | 0.2% | $10M | — | $271M |
| Mar '25 | $1M | $5M | 0.0% | 0.0% | 1.6% | 0.1% | $7M | — | $305M |
| Dec '24 | $1M | $6M | 0.0% | 0.0% | 1.7% | 0.1% | -$2M | — | $163M |
| Sep '24 | $1M | $4M | 0.0% | 0.0% | 1.3% | 0.1% | $26M | — | $261M |
| Jun '24 | $2M | $3M | 0.0% | 0.0% | 0.9% | 0.1% | $4M | — | $195M |
| Mar '24 | $1M | $3M | 0.0% | 0.0% | 0.8% | 0.1% | -$3M | — | $167M |
| Dec '23 | $869000 | $4M | 0.0% | 0.0% | 1.3% | 0.1% | $7M | — | $156M |
| Sep '23 | $1M | $4M | 0.0% | 0.0% | 1.3% | 0.1% | $16M | — | $152M |
| Jun '23 | $1M | $2M | 0.0% | 0.0% | 0.8% | 0.1% | -$7M | — | $205M |
| Mar '23 | $622000 | $3M | 0.0% | 0.0% | 0.9% | 0.1% | $1M | — | $272M |
| Dec '22 | $291000 | $5M | 0.0% | 0.0% | 1.9% | 0.1% | $13M | — | $171M |
| Sep '22 | $1M | $8M | 0.0% | 0.0% | 2.9% | 0.2% | $18M | — | $161M |
| Jun '22 | $1M | $7M | 0.0% | 0.0% | 2.6% | 0.2% | $3M | — | $182M |
| Mar '22 | $1M | $8M | 0.0% | 0.0% | 2.9% | 0.3% | $2M | — | $149M |
| Dec '21 | $2M | $12M | 0.0% | 0.0% | 4.3% | 0.4% | $18M | — | $167M |
| Sep '21 | $3M | $14M | 0.0% | 0.0% | 5.3% | 0.5% | $10M | — | $129M |
| Jun '21 | $2M | $10M | 0.0% | 0.0% | 4.1% | 0.4% | $15M | — | $154M |
Valuation over time
How the market has priced SFST against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 10.0× (Mar '23) to 19.6× (Sep '26).
- The price-to-sales ratio has risen from 69.2× (Mar '23) to 94.9× (Sep '26).
P/E
P/S
Frequently asked questions
Is SFST growing its revenue and profit?
Over the past 5 years, Southern First Bancshares Inc's revenue has declined 20.5% per year, and net income grown 10.6% per year. These are computed facts, not advice.
How much debt does SFST have?
As of FY2025, Southern First Bancshares Inc reported — of total debt against $270M of cash.
What is SFST's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 483.4%.
What is SFST's P/E ratio?
As of Sep '26, Southern First Bancshares Inc traded at a price-to-earnings ratio of about 19.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.