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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.29
SFST's Cash to Debt is ranked higher than
50% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. SFST: 1.29 )
Ranked among companies with meaningful Cash to Debt only.
SFST' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.17 Max: No Debt
Current: 1.29
Equity to Asset 0.08
SFST's Equity to Asset is ranked lower than
70% of the 1353 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 10-Year Equity to Asset Range
Min: 0.04  Med: 0.08 Max: 0.35
Current: 0.08
0.04
0.35
Interest Coverage 1.41
SFST's Interest Coverage is ranked lower than
53% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. SFST: 1.41 )
Ranked among companies with meaningful Interest Coverage only.
SFST' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.31 Max: 1.41
Current: 1.41
0.07
1.41
F-Score: 6
WACC vs ROIC
7.25%
8.47%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.14
SFST's Operating margin (%) is ranked lower than
53% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. SFST: 29.14 )
Ranked among companies with meaningful Operating margin (%) only.
SFST' s 10-Year Operating margin (%) Range
Min: -41.59  Med: 16.83 Max: 39.71
Current: 29.14
-41.59
39.71
Net-margin (%) 19.33
SFST's Net-margin (%) is ranked lower than
59% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. SFST: 19.33 )
Ranked among companies with meaningful Net-margin (%) only.
SFST' s 10-Year Net-margin (%) Range
Min: -39.33  Med: 13.75 Max: 26.13
Current: 19.33
-39.33
26.13
ROE (%) 9.87
SFST's ROE (%) is ranked higher than
60% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. SFST: 9.87 )
Ranked among companies with meaningful ROE (%) only.
SFST' s 10-Year ROE (%) Range
Min: -1.26  Med: 7.19 Max: 11.99
Current: 9.87
-1.26
11.99
ROA (%) 0.81
SFST's ROA (%) is ranked lower than
54% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SFST: 0.81 )
Ranked among companies with meaningful ROA (%) only.
SFST' s 10-Year ROA (%) Range
Min: -0.13  Med: 0.51 Max: 0.85
Current: 0.81
-0.13
0.85
Revenue Growth (3Y)(%) 10.50
SFST's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SFST: 10.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SFST' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 11.95 Max: 52.4
Current: 10.5
0
52.4
EBITDA Growth (3Y)(%) 37.60
SFST's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SFST: 37.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SFST' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 7.40 Max: 273.3
Current: 37.6
0
273.3
EPS Growth (3Y)(%) 76.50
SFST's EPS Growth (3Y)(%) is ranked higher than
96% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. SFST: 76.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SFST' s 10-Year EPS Growth (3Y)(%) Range
Min: -59.6  Med: 18.10 Max: 120.1
Current: 76.5
-59.6
120.1
» SFST's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SFST

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Ratios

vs
industry
vs
history
P/E(ttm) 15.48
SFST's P/E(ttm) is ranked lower than
65% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SFST: 15.48 )
Ranked among companies with meaningful P/E(ttm) only.
SFST' s 10-Year P/E(ttm) Range
Min: 8.91  Med: 17.73 Max: 172.15
Current: 15.48
8.91
172.15
Forward P/E 12.39
SFST's Forward P/E is ranked lower than
62% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. SFST: 12.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.10
SFST's PE(NRI) is ranked lower than
65% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SFST: 16.10 )
Ranked among companies with meaningful PE(NRI) only.
SFST' s 10-Year PE(NRI) Range
Min: 8.79  Med: 17.75 Max: 176.45
Current: 16.1
8.79
176.45
P/B 1.44
SFST's P/B is ranked lower than
78% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SFST: 1.44 )
Ranked among companies with meaningful P/B only.
SFST' s 10-Year P/B Range
Min: 0.34  Med: 1.09 Max: 2.18
Current: 1.44
0.34
2.18
P/S 2.79
SFST's P/S is ranked higher than
50% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. SFST: 2.79 )
Ranked among companies with meaningful P/S only.
SFST' s 10-Year P/S Range
Min: 0.81  Med: 1.84 Max: 25.11
Current: 2.79
0.81
25.11
PFCF 19.67
SFST's PFCF is ranked lower than
78% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. SFST: 19.67 )
Ranked among companies with meaningful PFCF only.
SFST' s 10-Year PFCF Range
Min: 2.06  Med: 10.83 Max: 1707.5
Current: 19.67
2.06
1707.5
POCF 13.00
SFST's POCF is ranked lower than
71% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. SFST: 13.00 )
Ranked among companies with meaningful POCF only.
SFST' s 10-Year POCF Range
Min: 1.99  Med: 6.26 Max: 131.35
Current: 13
1.99
131.35
EV-to-EBIT 9.68
SFST's EV-to-EBIT is ranked higher than
68% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. SFST: 9.68 )
Ranked among companies with meaningful EV-to-EBIT only.
SFST' s 10-Year EV-to-EBIT Range
Min: 6.1  Med: 36.10 Max: 319.4
Current: 9.68
6.1
319.4
PEG 0.39
SFST's PEG is ranked higher than
83% of the 612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. SFST: 0.39 )
Ranked among companies with meaningful PEG only.
SFST' s 10-Year PEG Range
Min: 0.26  Med: 0.48 Max: 67.67
Current: 0.39
0.26
67.67
Shiller P/E 34.13
SFST's Shiller P/E is ranked lower than
88% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. SFST: 34.13 )
Ranked among companies with meaningful Shiller P/E only.
SFST' s 10-Year Shiller P/E Range
Min: 5.41  Med: 21.31 Max: 51.72
Current: 34.13
5.41
51.72

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
SFST's Price/Tangible Book is ranked lower than
70% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SFST: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
SFST' s 10-Year Price/Tangible Book Range
Min: 0.4  Med: 1.16 Max: 3.21
Current: 1.44
0.4
3.21
Price/Projected FCF 0.80
SFST's Price/Projected FCF is ranked lower than
67% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SFST: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
SFST' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.57 Max: 2.61
Current: 0.8
0.29
2.61
Price/Median PS Value 1.51
SFST's Price/Median PS Value is ranked lower than
90% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SFST: 1.51 )
Ranked among companies with meaningful Price/Median PS Value only.
SFST' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 1.34 Max: 13.52
Current: 1.51
0.52
13.52
Price/Peter Lynch Fair Value 0.62
SFST's Price/Peter Lynch Fair Value is ranked higher than
71% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. SFST: 0.62 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SFST' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.44  Med: 0.69 Max: 165.08
Current: 0.62
0.44
165.08
Price/Graham Number 0.98
SFST's Price/Graham Number is ranked lower than
69% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SFST: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
SFST' s 10-Year Price/Graham Number Range
Min: 0.37  Med: 0.82 Max: 19.53
Current: 0.98
0.37
19.53
Earnings Yield (Greenblatt) (%) 10.32
SFST's Earnings Yield (Greenblatt) (%) is ranked higher than
71% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SFST: 10.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SFST' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 2.80 Max: 16.3
Current: 10.32
0.3
16.3
Forward Rate of Return (Yacktman) (%) 53.08
SFST's Forward Rate of Return (Yacktman) (%) is ranked higher than
91% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. SFST: 53.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SFST' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -16.9  Med: 17.70 Max: 63.3
Current: 53.08
-16.9
63.3

Analyst Estimate

Dec15 Dec16
EPS($) 1.43 1.63
EPS without NRI($) 1.43 1.63

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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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