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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.17
SFST's Cash to Debt is ranked lower than
89% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. SFST: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
SFST' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.18 Max: No Debt
Current: 0.17
Equity to Asset 0.08
SFST's Equity to Asset is ranked lower than
71% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SFST: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
SFST' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.35
Current: 0.08
0.04
0.35
Interest Coverage 2.41
SFST's Interest Coverage is ranked higher than
60% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SFST: 2.41 )
Ranked among companies with meaningful Interest Coverage only.
SFST' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.31 Max: 2.41
Current: 2.41
0.07
2.41
F-Score: 4
M-Score: -4.86
WACC vs ROIC
6.26%
7.09%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 37.01
SFST's Operating margin (%) is ranked higher than
64% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. SFST: 37.01 )
Ranked among companies with meaningful Operating margin (%) only.
SFST' s Operating margin (%) Range Over the Past 10 Years
Min: 4.66  Med: 21.05 Max: 39.71
Current: 37.01
4.66
39.71
Net-margin (%) 23.95
SFST's Net-margin (%) is ranked higher than
55% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. SFST: 23.95 )
Ranked among companies with meaningful Net-margin (%) only.
SFST' s Net-margin (%) Range Over the Past 10 Years
Min: 3.83  Med: 14.29 Max: 26.13
Current: 23.95
3.83
26.13
ROE (%) 12.80
SFST's ROE (%) is ranked higher than
76% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. SFST: 12.80 )
Ranked among companies with meaningful ROE (%) only.
SFST' s ROE (%) Range Over the Past 10 Years
Min: -0.39  Med: 5.74 Max: 12.8
Current: 12.8
-0.39
12.8
ROA (%) 1.01
SFST's ROA (%) is ranked higher than
60% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SFST: 1.01 )
Ranked among companies with meaningful ROA (%) only.
SFST' s ROA (%) Range Over the Past 10 Years
Min: 0.12  Med: 0.55 Max: 1.01
Current: 1.01
0.12
1.01
Revenue Growth (3Y)(%) 1.40
SFST's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SFST: 1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SFST' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.4  Med: 13.3 Max: 52.7
Current: 1.4
1.4
52.7
EBITDA Growth (3Y)(%) 18.60
SFST's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SFST: 18.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SFST' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.2  Med: 23.7 Max: 267.2
Current: 18.6
-31.2
267.2
EPS Growth (3Y)(%) 34.30
SFST's EPS Growth (3Y)(%) is ranked higher than
88% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SFST: 34.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SFST' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -59.5  Med: 25.8 Max: 120.1
Current: 34.3
-59.5
120.1
» SFST's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

SFST Guru Trades in

SFST Guru Trades in

Q2 2016

SFST Guru Trades in Q2 2016

Jim Simons 24,900 sh (New)
» More
Q3 2016

SFST Guru Trades in Q3 2016

Jim Simons 33,100 sh (+32.93%)
» More
» Details

Insider Trades

Latest Guru Trades with SFST

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CVCY, NAS:CVLY, NAS:NRIM, NAS:PFBI, NAS:FRBK, NAS:BWFG, NAS:LCNB, NAS:MFSF, NAS:ACNB, NAS:CHFN, OTCPK:ISBA, NAS:FBIZ, NAS:FFNW, NAS:PWOD, NAS:FCFP, NAS:UNB, NAS:MBTF, NAS:PBNC, OTCPK:JMSB, OTCPK:CSHX » details
Southern First Bancshares Inc is a bank holding company. It is engaged in the business of accepting demand deposits and savings deposits and providing commercial, consumer and mortgage loans to the general public.

Southern First Bancshares Inc is a bank holding company incorporated in March 1999 under the laws of South Carolina that owns all of the capital stock of Southern First Bank and all of the stock of Greenville First Statutory Trust I and II. The Bank is a commercial bank with offices located in Greenville, Richland, Lexington, and Charleston Counties, South Carolina. The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the FDIC) and providing commercial, consumer and mortgage loans to the general public. The Trusts are special purpose subsidiaries organized for the sole purpose of issuing trust preferred securities. Its lending activities include real estate, commercial, and equity-line consumer loans to individuals and small- to medium-sized businesses and professional firms that are located in or conduct a substantial portion of their business in its market area. Its deposit activities include checking accounts, commercial checking accounts, savings accounts, and other time deposits of various types, ranging from daily money market accounts to long-term certificates of deposit. Its other banking services include internet banking, cash management services, safe deposit boxes, travelers checks, direct deposit, and automatic drafts for various accounts. Its competitors include BB&T, Bank of America, Wells Fargo, and SunTrust. Its operations are subject to extensive regulation by federal, state, and local governmental authorities.

Ratios

vs
industry
vs
history
P/E(ttm) 16.41
SFST's P/E(ttm) is ranked lower than
60% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. SFST: 16.41 )
Ranked among companies with meaningful P/E(ttm) only.
SFST' s P/E(ttm) Range Over the Past 10 Years
Min: 9.02  Med: 15.67 Max: 141.2
Current: 16.41
9.02
141.2
Forward P/E 15.24
SFST's Forward P/E is ranked higher than
50% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. SFST: 15.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.41
SFST's PE(NRI) is ranked lower than
60% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. SFST: 16.41 )
Ranked among companies with meaningful PE(NRI) only.
SFST' s PE(NRI) Range Over the Past 10 Years
Min: 9.21  Med: 15.66 Max: 141.2
Current: 16.41
9.21
141.2
Price/Owner Earnings (ttm) 22.55
SFST's Price/Owner Earnings (ttm) is ranked lower than
78% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. SFST: 22.55 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SFST' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.76  Med: 18.64 Max: 115.2
Current: 22.55
6.76
115.2
P/B 1.86
SFST's P/B is ranked lower than
83% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SFST: 1.86 )
Ranked among companies with meaningful P/B only.
SFST' s P/B Range Over the Past 10 Years
Min: 0.34  Med: 1.1 Max: 2.18
Current: 1.86
0.34
2.18
P/S 3.91
SFST's P/S is ranked lower than
64% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. SFST: 3.91 )
Ranked among companies with meaningful P/S only.
SFST' s P/S Range Over the Past 10 Years
Min: 0.81  Med: 1.84 Max: 25.23
Current: 3.91
0.81
25.23
PFCF 15.93
SFST's PFCF is ranked lower than
62% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. SFST: 15.93 )
Ranked among companies with meaningful PFCF only.
SFST' s PFCF Range Over the Past 10 Years
Min: 1.92  Med: 11.28 Max: 326.52
Current: 15.93
1.92
326.52
POCF 11.40
SFST's POCF is ranked lower than
54% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SFST: 11.40 )
Ranked among companies with meaningful POCF only.
SFST' s POCF Range Over the Past 10 Years
Min: 1.86  Med: 6.82 Max: 56.3
Current: 11.4
1.86
56.3
EV-to-EBIT 15.63
SFST's EV-to-EBIT is ranked lower than
61% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SFST: 15.63 )
Ranked among companies with meaningful EV-to-EBIT only.
SFST' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 30.1 Max: 319.4
Current: 15.63
6.2
319.4
EV-to-EBITDA 14.68
SFST's EV-to-EBITDA is ranked lower than
63% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. SFST: 14.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
SFST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 21.3 Max: 139.9
Current: 14.68
5.3
139.9
PEG 0.41
SFST's PEG is ranked higher than
86% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. SFST: 0.41 )
Ranked among companies with meaningful PEG only.
SFST' s PEG Range Over the Past 10 Years
Min: 0.28  Med: 0.46 Max: 49.46
Current: 0.41
0.28
49.46
Shiller P/E 38.87
SFST's Shiller P/E is ranked lower than
86% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. SFST: 38.87 )
Ranked among companies with meaningful Shiller P/E only.
SFST' s Shiller P/E Range Over the Past 10 Years
Min: 10.22  Med: 21.5 Max: 41.14
Current: 38.87
10.22
41.14

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -14.00
SFST's 3-Year Average Share Buyback Ratio is ranked lower than
82% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. SFST: -14.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SFST' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.5  Med: -1.8 Max: 0
Current: -14
-15.5
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.86
SFST's Price/Tangible Book is ranked lower than
77% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SFST: 1.86 )
Ranked among companies with meaningful Price/Tangible Book only.
SFST' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 1.24 Max: 3.21
Current: 1.86
0.4
3.21
Price/Projected FCF 0.97
SFST's Price/Projected FCF is ranked lower than
71% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. SFST: 0.97 )
Ranked among companies with meaningful Price/Projected FCF only.
SFST' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.56 Max: 1.98
Current: 0.97
0.26
1.98
Price/Median PS Value 2.13
SFST's Price/Median PS Value is ranked lower than
95% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SFST: 2.13 )
Ranked among companies with meaningful Price/Median PS Value only.
SFST' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.51  Med: 1.53 Max: 13.52
Current: 2.13
0.51
13.52
Price/Peter Lynch Fair Value 0.66
SFST's Price/Peter Lynch Fair Value is ranked higher than
79% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. SFST: 0.66 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SFST' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.44  Med: 0.66 Max: 165
Current: 0.66
0.44
165
Price/Graham Number 1.16
SFST's Price/Graham Number is ranked lower than
67% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. SFST: 1.16 )
Ranked among companies with meaningful Price/Graham Number only.
SFST' s Price/Graham Number Range Over the Past 10 Years
Min: 0.47  Med: 1.01 Max: 6.2
Current: 1.16
0.47
6.2
Earnings Yield (Greenblatt) (%) 6.40
SFST's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SFST: 6.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SFST' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 3.3 Max: 16.2
Current: 6.4
0.3
16.2
Forward Rate of Return (Yacktman) (%) 33.00
SFST's Forward Rate of Return (Yacktman) (%) is ranked higher than
85% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. SFST: 33.00 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SFST' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -13.4  Med: 33.3 Max: 62.6
Current: 33
-13.4
62.6

More Statistics

Revenue (TTM) (Mil) $52.59
EPS (TTM) $ 1.88
Beta0.48
Short Percentage of Float3.21%
52-Week Range $21.15 - 33.47
Shares Outstanding (Mil)6.38

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.90 2.05
EPS w/o NRI ($) 1.90 2.05
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for SFST

Headlines

Articles On GuruFocus.com
Southern First Bancshares Inc. Reports Operating Results (10-K) Mar 07 2011 
Southern First Bancshares Inc. Reports Operating Results (10-Q) Nov 02 2010 
Southern First Bancshares Inc. Reports Operating Results (10-Q) Aug 16 2010 
Southern First Bancshares Inc. (SFST) CEO R Arthur Jr Seaver buys 2,760 Shares Jul 22 2010 
Southern First Bancshares Inc. Reports Operating Results (10-Q) Apr 30 2010 
Southern First Bancshares Inc. Reports Operating Results (10-Q) Nov 04 2009 
Southern First Bancshares Inc. Reports Operating Results (10-Q) Aug 12 2009 
Southern First Bancshares Inc. Reports Operating Results (10-Q) May 07 2009 

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