Southern First Bancshares Inc (SFST) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Southern First Bancshares Inc stock (SFST) is currently trading at $53.46. Southern First Bancshares Inc PE ratio is 13.96. Southern First Bancshares Inc PS ratio (Price-to-Sales) is 3.71. Analyst consensus price target for SFST is $64.00. WallStSmart rates SFST as Moderate Buy.
- SFST PE ratio analysis and historical PE chart
- SFST PS ratio (Price-to-Sales) history and trend
- SFST intrinsic value — DCF, Graham Number, EPV models
- SFST stock price prediction 2025 2026 2027 2028 2029 2030
- SFST fair value vs current price
- SFST insider transactions and insider buying
- Is SFST undervalued or overvalued?
- Southern First Bancshares Inc financial analysis — revenue, earnings, cash flow
- SFST Piotroski F-Score and Altman Z-Score
- SFST analyst price target and Smart Rating
Southern First Bancshares Inc
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SFST Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Southern First Bancshares Inc (SFST)
SFST trades at a significant discount to its Graham intrinsic value of $174.10, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Southern First Bancshares Inc (SFST) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Southern First Bancshares Inc (SFST) Key Strengths (6)
Keeps $44 of every $100 in revenue after operating costs
Earnings per share surging 75.20% year-over-year
Keeps $26 of every $100 in revenue as net profit
82.83% of shares held by major funds and institutions
Trading at 1.15x book value, attractively priced
Strong revenue growth at 22.60% annually
Supporting Valuation Data
Southern First Bancshares Inc (SFST) Areas to Watch (4)
Low profitability relative to shareholder equity
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.71x sales
Southern First Bancshares Inc (SFST) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 4.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.15) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 44.10%, Profit Margin at 26.40%. Growth metrics are encouraging with Revenue Growth at 22.60%, EPS Growth at 75.20%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Market Cap. Some valuation metrics including PEG Ratio (2.31), Price/Sales (3.71) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 8.69%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.69% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 22.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SFST Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SFST's Price-to-Sales ratio of 3.71x sits near its historical average of 3.85x (29th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 14% below its historical high of 4.33x set in Feb 2026, and 1% above its historical low of 3.66x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~4.3x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Southern First Bancshares Inc (SFST) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Southern First Bancshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 115M with 23% growth year-over-year. Profit margins are strong at 26.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 869.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 26.4% and operating margin of 44.1% demonstrate strong pricing power and operational efficiency.
Free cash flow is -2M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Southern First Bancshares Inc maintain 23%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Southern First Bancshares Inc.
Bottom Line
Southern First Bancshares Inc offers an attractive blend of growth (23% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Southern First Bancshares Inc(SFST)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.