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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 0.28
SFST's Cash to Debt is ranked lower than
81% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. SFST: 0.28 )
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: 0.28
Equity to Asset 0.08
SFST's Equity to Asset is ranked lower than
71% of the 1602 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 2.20
SFST's Interest Coverage is ranked higher than
58% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. SFST: 2.20 )
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: 2.07
Current: 2.2
0.07
2.07
F-Score: 5
M-Score: -4.72
WACC vs ROIC
7.78%
10.67%
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 (%) 35.26
SFST's Operating margin (%) is ranked higher than
61% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. SFST: 35.26 )
Ranked among companies with meaningful Operating margin (%) only.
SFST' s Operating margin (%) Range Over the Past 10 Years
Min: 4.8  Med: 21.05 Max: 39.71
Current: 35.26
4.8
39.71
Net-margin (%) 22.93
SFST's Net-margin (%) is ranked higher than
52% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. SFST: 22.93 )
Ranked among companies with meaningful Net-margin (%) only.
SFST' s Net-margin (%) Range Over the Past 10 Years
Min: 3.94  Med: 14.29 Max: 26.13
Current: 22.93
3.94
26.13
ROE (%) 12.20
SFST's ROE (%) is ranked higher than
73% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. SFST: 12.20 )
Ranked among companies with meaningful ROE (%) only.
SFST' s ROE (%) Range Over the Past 10 Years
Min: -0.75  Med: 5.74 Max: 11.99
Current: 12.2
-0.75
11.99
ROA (%) 0.96
SFST's ROA (%) is ranked higher than
56% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SFST: 0.96 )
Ranked among companies with meaningful ROA (%) only.
SFST' s ROA (%) Range Over the Past 10 Years
Min: 0.12  Med: 0.55 Max: 0.9
Current: 0.96
0.12
0.9
Revenue Growth (3Y)(%) 4.70
SFST's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. SFST: 4.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SFST' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 4.7  Med: 13.40 Max: 52.7
Current: 4.7
4.7
52.7
EBITDA Growth (3Y)(%) 22.50
SFST's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SFST: 22.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SFST' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.2  Med: 25.65 Max: 267.2
Current: 22.5
-31.2
267.2
EPS Growth (3Y)(%) 38.90
SFST's EPS Growth (3Y)(%) is ranked higher than
89% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SFST: 38.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SFST' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -58.4  Med: 26.00 Max: 107.2
Current: 38.9
-58.4
107.2
» SFST's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BWFG, NAS:PFBI, NAS:CVLY, NAS:BYLK, OTCPK:CSHX, NAS:LCNB, NAS:PBNC, NAS:CVCY, NAS:FRBK, NAS:PMBC, OTCPK:JMSB, OTCBB:CZFS, NAS:CFFI, NAS:ORRF, NAS:VBTX, NAS:EQBK, NAS:FFNW, NAS:FCFP, NAS:ACNB, NAS:NCBS » 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) 16.12
SFST's P/E(ttm) is ranked lower than
67% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. SFST: 16.12 )
Ranked among companies with meaningful P/E(ttm) only.
SFST' s P/E(ttm) Range Over the Past 10 Years
Min: 8.92  Med: 15.94 Max: 172.2
Current: 16.12
8.92
172.2
Forward P/E 15.13
SFST's Forward P/E is ranked lower than
72% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. SFST: 15.13 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.12
SFST's PE(NRI) is ranked lower than
66% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. SFST: 16.12 )
Ranked among companies with meaningful PE(NRI) only.
SFST' s PE(NRI) Range Over the Past 10 Years
Min: 8.8  Med: 16.03 Max: 176.5
Current: 16.12
8.8
176.5
Price/Owner Earnings (ttm) 19.77
SFST's Price/Owner Earnings (ttm) is ranked lower than
77% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. SFST: 19.77 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SFST' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.71  Med: 19.29 Max: 2855
Current: 19.77
8.71
2855
P/B 1.74
SFST's P/B is ranked lower than
82% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SFST: 1.74 )
Ranked among companies with meaningful P/B only.
SFST' s P/B Range Over the Past 10 Years
Min: 0.34  Med: 1.09 Max: 2.18
Current: 1.74
0.34
2.18
P/S 3.68
SFST's P/S is ranked lower than
65% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. SFST: 3.68 )
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: 3.68
0.81
25.23
PFCF 15.93
SFST's PFCF is ranked lower than
73% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. SFST: 15.93 )
Ranked among companies with meaningful PFCF only.
SFST' s PFCF Range Over the Past 10 Years
Min: 1.92  Med: 11.07 Max: 1708
Current: 15.93
1.92
1708
POCF 10.78
SFST's POCF is ranked lower than
62% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. SFST: 10.78 )
Ranked among companies with meaningful POCF only.
SFST' s POCF Range Over the Past 10 Years
Min: 1.86  Med: 6.47 Max: 128.42
Current: 10.78
1.86
128.42
EV-to-EBIT 15.46
SFST's EV-to-EBIT is ranked lower than
61% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. SFST: 15.46 )
Ranked among companies with meaningful EV-to-EBIT only.
SFST' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.8  Med: 31.80 Max: 319.4
Current: 15.46
6.8
319.4
EV-to-EBITDA 14.31
SFST's EV-to-EBITDA is ranked lower than
62% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. SFST: 14.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
SFST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.8  Med: 29.00 Max: 139.9
Current: 14.31
5.8
139.9
PEG 0.39
SFST's PEG is ranked higher than
85% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SFST: 0.39 )
Ranked among companies with meaningful PEG only.
SFST' s PEG Range Over the Past 10 Years
Min: 0.28  Med: 0.46 Max: 46.99
Current: 0.39
0.28
46.99
Shiller P/E 36.21
SFST's Shiller P/E is ranked lower than
87% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. SFST: 36.21 )
Ranked among companies with meaningful Shiller P/E only.
SFST' s Shiller P/E Range Over the Past 10 Years
Min: 10.02  Med: 20.17 Max: 37.46
Current: 36.21
10.02
37.46

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.75
SFST's Price/Tangible Book is ranked lower than
77% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SFST: 1.75 )
Ranked among companies with meaningful Price/Tangible Book only.
SFST' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 1.19 Max: 3.21
Current: 1.75
0.4
3.21
Price/Projected FCF 0.93
SFST's Price/Projected FCF is ranked lower than
73% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SFST: 0.93 )
Ranked among companies with meaningful Price/Projected FCF only.
SFST' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.58 Max: 3.19
Current: 0.93
0.28
3.19
Price/Median PS Value 1.99
SFST's Price/Median PS Value is ranked lower than
95% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SFST: 1.99 )
Ranked among companies with meaningful Price/Median PS Value only.
SFST' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 1.48 Max: 13.52
Current: 1.99
0.5
13.52
Price/Peter Lynch Fair Value 0.64
SFST's Price/Peter Lynch Fair Value is ranked higher than
68% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SFST: 0.64 )
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: 0.68 Max: 165
Current: 0.64
0.44
165
Price/Graham Number 1.12
SFST's Price/Graham Number is ranked lower than
73% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SFST: 1.12 )
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: 5.84
Current: 1.12
0.47
5.84
Earnings Yield (Greenblatt) (%) 6.48
SFST's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SFST: 6.48 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SFST' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 3.10 Max: 14.7
Current: 6.48
0.3
14.7
Forward Rate of Return (Yacktman) (%) 37.06
SFST's Forward Rate of Return (Yacktman) (%) is ranked higher than
86% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. SFST: 37.06 )
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: -13.3  Med: 22.10 Max: 60.2
Current: 37.06
-13.3
60.2

More Statistics

Revenue (TTM) (Mil) $48.60
EPS (TTM) $ 1.68
Beta0.52
Short Percentage of Float3.95%
52-Week Range $19.01 - 28.33
Shares Outstanding (Mil)6.34

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.79 1.98
EPS w/o NRI ($) 1.79 1.98
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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 

More From Other Websites
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SOUTHERN FIRST BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 27 2016
Southern First Bancshares (SFST) Is in Oversold Territory: What's Next? Jun 21 2016
SOUTHERN FIRST BANCSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security... May 19 2016
SOUTHERN FIRST BANCSHARES INC Financials May 07 2016
SOUTHERN FIRST BANCSHARES INC Files SEC form 10-Q, Quarterly Report May 02 2016
Southern First Bancshares, Inc. :SFST-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 28 2016
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SOUTHERN FIRST BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers Mar 17 2016
SOUTHERN FIRST BANCSHARES INC Files SEC form 10-K, Annual Report Mar 02 2016
Southern First Bancshares, Inc. Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
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SOUTHERN FIRST BANCSHARES INC Files SEC form 10-Q, Quarterly Report Oct 30 2015
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