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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 1.11
SFST's Cash to Debt is ranked higher than
74% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SFST: 1.11 )
SFST' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 1.11

Equity to Asset 0.07
SFST's Equity to Asset is ranked higher than
54% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SFST: 0.07 )
SFST' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.35
Current: 0.07

0.04
0.35
Interest Coverage 1.06
SFST's Interest Coverage is ranked higher than
65% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SFST: 1.06 )
SFST' s 10-Year Interest Coverage Range
Min: 0.07   Max: 1.06
Current: 1.06

0.07
1.06
F-Score: 5
Z-Score: 0.16
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 (%) 24.04
SFST's Operating margin (%) is ranked higher than
67% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. SFST: 24.04 )
SFST' s 10-Year Operating margin (%) Range
Min: -41.59   Max: 39.71
Current: 24.04

-41.59
39.71
Net-margin (%) 16.48
SFST's Net-margin (%) is ranked higher than
66% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. SFST: 16.48 )
SFST' s 10-Year Net-margin (%) Range
Min: -39.33   Max: 26.13
Current: 16.48

-39.33
26.13
ROE (%) 8.80
SFST's ROE (%) is ranked higher than
76% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. SFST: 8.80 )
SFST' s 10-Year ROE (%) Range
Min: -1.26   Max: 11.99
Current: 8.8

-1.26
11.99
ROA (%) 0.65
SFST's ROA (%) is ranked higher than
68% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFST: 0.65 )
SFST' s 10-Year ROA (%) Range
Min: -0.13   Max: 0.85
Current: 0.65

-0.13
0.85
ROC (Joel Greenblatt) (%) 43.66
SFST's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. SFST: 43.66 )
SFST' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -31.65   Max: 89.68
Current: 43.66

-31.65
89.68
Revenue Growth (3Y)(%) 13.30
SFST's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SFST: 13.30 )
SFST' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 52.4
Current: 13.3

0
52.4
EBITDA Growth (3Y)(%) 67.10
SFST's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SFST: 67.10 )
SFST' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 273.3
Current: 67.1

0
273.3
» 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

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



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.90
SFST's P/E(ttm) is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. SFST: 15.90 )
SFST' s 10-Year P/E(ttm) Range
Min: 11.87   Max: 208.29
Current: 15.9

11.87
208.29
P/B 1.30
SFST's P/B is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SFST: 1.30 )
SFST' s 10-Year P/B Range
Min: 0.46   Max: 5.09
Current: 1.3

0.46
5.09
P/S 2.20
SFST's P/S is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. SFST: 2.20 )
SFST' s 10-Year P/S Range
Min: 1.08   Max: 36.76
Current: 2.2

1.08
36.76
PFCF 21.20
SFST's PFCF is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SFST: 21.20 )
SFST' s 10-Year PFCF Range
Min: 2.74   Max: 2500
Current: 21.2

2.74
2500
EV-to-EBIT 10.33
SFST's EV-to-EBIT is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. SFST: 10.33 )
SFST' s 10-Year EV-to-EBIT Range
Min: 6.7   Max: 333.5
Current: 10.33

6.7
333.5
PEG 0.34
SFST's PEG is ranked higher than
97% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SFST: 0.34 )
SFST' s 10-Year PEG Range
Min: 0.26   Max: 90.07
Current: 0.34

0.26
90.07
Shiller P/E 35.80
SFST's Shiller P/E is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SFST: 35.80 )
SFST' s 10-Year Shiller P/E Range
Min: 7.2   Max: 75.73
Current: 35.8

7.2
75.73

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
SFST's Price/Tangible Book is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SFST: 1.30 )
SFST' s 10-Year Price/Tangible Book Range
Min: 0.54   Max: 4.69
Current: 1.3

0.54
4.69
Price/DCF (Projected) 0.60
SFST's Price/DCF (Projected) is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. SFST: 0.60 )
SFST' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 3.82
Current: 0.6

0.32
3.82
Price/Median PS Value 1.20
SFST's Price/Median PS Value is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. SFST: 1.20 )
SFST' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 19.64
Current: 1.2

0.63
19.64
Price/Peter Lynch Fair Value 0.60
SFST's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SFST: 0.60 )
SFST' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52   Max: 199.75
Current: 0.6

0.52
199.75
Price/Graham Number 0.80
SFST's Price/Graham Number is ranked higher than
85% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SFST: 0.80 )
SFST' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 42.88
Current: 0.8

0.5
42.88
Earnings Yield (Greenblatt) 9.70
SFST's Earnings Yield (Greenblatt) is ranked higher than
85% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SFST: 9.70 )
SFST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 14.9
Current: 9.7

0.3
14.9
Forward Rate of Return (Yacktman) 60.17
SFST's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. SFST: 60.17 )
SFST' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18   Max: 62.2
Current: 60.17

-18
62.2

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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