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Southern First Bancshares, Inc.

Southern First Bancshares, Inc.

NASDAQ•SFST
CEO: Mr. R. Arthur Seaver Jr.
セクター: Financial Services
業種: Banks - Regional
上場日: 1999-10-28
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. Southern First Bancshares, Inc. was incorporated in 1999 and is headquartered in Greenville, South Carolina.
連絡先情報
6 Verdae Boulevard, Greenville, SC, 29607, United States
864-679-9000
www.southernfirst.com
時価総額
$478.60M
PER (TTM)
15.4
15
配当利回り
--
52週高値
$61.06
52週安値
$29.14
52週レンジ
91%
順位46Top 59.5%
3.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$57.62M+6.93%
直近4四半期の推移

EPS

$1.23+75.71%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Net Income Growth Nine-month net income reached $20.5M, nearly doubling prior year's $9.9M, driven by increased net interest income. Diluted EPS was $2.54.
Net Interest Margin Expansion Q3 TE NIM improved 54 basis points to 2.62% year-over-year, primarily due to a 59 basis point decrease in interest-bearing liability costs.
Loan Portfolio Scale Up Total net loans grew to $3.75B, reflecting a $157.3M increase year-to-date, supported by growth in consumer real estate and commercial business loans.
Capital Ratios Remain Strong Bank capital ratios significantly exceed all regulatory minimums, maintaining a strong position under Basel III requirements as of September 30, 2025.

リスク要因

Commercial Real Estate Exposure Significant concentration in real estate loans (83.0% of portfolio); uncertainty remains regarding CRE values and refinancing risks impacting asset quality.
Interest Rate Environment Uncertainty While lower rates benefited Q3 funding costs, future rate movements and Federal Reserve balance sheet reduction may compress net interest margins.
Credit Loss Methodology Refinement Transition to DCF model for ACL calculation introduces reliance on economic forecasts like GDP and unemployment rates for loss estimation.
Regulatory and Compliance Risks Operations face risks from complex and changing regulatory environments, including new rules concerning data privacy and artificial intelligence adoption.

見通し

Core Deposit Growth Focus Management seeks to fund loan volumes by growing core deposits, mitigating reliance on wholesale funding which could negatively impact NIM.
Asset Quality Monitoring Continues ACL adequacy is assessed quarterly; management believes current allowance covers all expected future losses inherent in the loan portfolio.
Capital Deployment Strategy Company remains well capitalized; no cash dividends paid since inception, prioritizing capital retention for future growth and regulatory compliance.
Business Strategy Execution Continuing client-focused "ClientFIRST" model to maintain superior service levels and support planned expansion into Charlotte, Greensboro, and Atlanta markets.

同業比較

売上高 (TTM)

Midland States Bancorp, Inc.MSBI
$455.97M
-23.1%
Kearny Financial Corp.KRNY
$343.87M
-1.6%
Carter Bankshares, Inc.CARE
$251.68M
+5.0%

粗利益率 (最新四半期)

Community West BancsharesCWBC
74.7%
+6.1pp
Midland States Bancorp, Inc.MSBI
68.9%
+43.4pp
MVB Financial Corp.MVBF
65.8%
-12.1pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
VBNK$516.24M24.95.4%1.8%
KRNY$508.09M15.74.3%26.1%
MSBI$495.04M-4.0-21.7%6.6%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
3.0%
緩やかな成長
4四半期純利益CAGR
23.2%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月31日|
    売上高: $58.59M+7.8%
    |
    EPS: $1.08+100.0%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月1日|
    売上高: $55.65M+2.9%
    |
    EPS: $0.81+118.9%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月5日|
    売上高: $52.76M+3.4%
    |
    EPS: $0.65+109.7%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月3日|
    売上高: $213.33M+13.8%
    |
    EPS: $1.92+15.0%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月1日|
    売上高: $54.35M+8.3%
    |
    EPS: $0.54+5.9%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年7月31日|
    売上高: $54.07M+19.0%
    |
    EPS: $0.37+19.4%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年4月30日|
    売上高: $51.03M+26.4%
    |
    EPS: $0.31-8.8%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月5日|
    売上高: $187.46M+46.9%
    |
    EPS: $1.67-54.4%
    予想通り