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11.11 (1y: +43%)
Market Cap 47.38 M P/E(ttm) 16.80
Enterprise Value 76.58 M P/B 0.74
SFST- NAS (USA)
Southern First Bancshares Inc
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$11.11
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.214
SFST's Cash to Debt is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SFST: 0.214 )
SFST' s 10-Year Cash to Debt Range
Min: 0.02   Max: 1.72
Current: 0.21
0.02
1.72
Equity to Asset 0.08
SFST's Equity to Asset is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SFST: 0.08 )
SFST' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.15
Current: 0.08
0.05
0.15
Interest Coverage No Debt
SFST's Interest Coverage is ranked lower than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SFST: No Debt )
SFST' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 19.10
SFST's Operating margin (%) is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. SFST: 19.10 )
SFST' s 10-Year Operating margin (%) Range
Min: -41.6   Max: 39.7
Current: 19.1
-41.6
39.7
Net-margin (%) 13
SFST's Net-margin (%) is ranked lower than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SFST: 13 )
SFST' s 10-Year Net-margin (%) Range
Min: -39.3   Max: 26.1
Current: 13
-39.3
26.1
ROE (%) 6
SFST's ROE (%) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SFST: 6 )
SFST' s 10-Year ROE (%) Range
Min: -7   Max: 11.3
Current: 6
-7
11.3
ROA (%) 0.5
SFST's ROA (%) is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFST: 0.5 )
SFST' s 10-Year ROA (%) Range
Min: -1.1   Max: 0.8
Current: 0.5
-1.1
0.8
Revenue Growth (%) 4.9
SFST's Revenue Growth (%) is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SFST: 4.9 )
SFST' s 10-Year Revenue Growth (%) Range
Min: 4.1   Max: 37.1
Current: 4.9
4.1
37.1
EBITDA Growth (%) 23.1
SFST's EBITDA Growth (%) is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. SFST: 23.1 )
SFST' s 10-Year EBITDA Growth (%) Range
Min: -24.5   Max: 168.5
Current: 23.1
-24.5
168.5
EPS Growth (%) 71
SFST's EPS Growth (%) is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. SFST: 71 )
SFST' s 10-Year EPS Growth (%) Range
Min: -47.6   Max: 71
Current: 71
-47.6
71
ยป SFST's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 16.80
SFST's P/E(ttm) is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SFST: 16.80 )
SFST' s 10-Year P/E(ttm) Range
Min: 9.02   Max: 5464
Current: 16.8
9.02
5464
P/B 0.74
SFST's P/B is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SFST: 0.74 )
SFST' s 10-Year P/B Range
Min: 0.25   Max: 3.82
Current: 0.74
0.25
3.82
P/S 1.85
SFST's P/S is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SFST: 1.85 )
SFST' s 10-Year P/S Range
Min: 0.81   Max: 6.57
Current: 1.85
0.81
6.57
PFCF 4.92
SFST's PFCF is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SFST: 4.92 )
SFST' s 10-Year PFCF Range
Min: 2.06   Max: 1.19967E+17
Current: 4.92
2.06
1.19967E+17
EV-to-EBIT 12.53
SFST's EV-to-EBIT is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. SFST: 12.53 )
SFST' s 10-Year EV-to-EBIT Range
Min: 9.3   Max: 338.1
Current: 12.53
9.3
338.1
PEG 0.9
SFST's PEG is ranked lower than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. SFST: 0.9 )
SFST' s 10-Year PEG Range
Min: 0.27   Max: 5.56
Current: 0.9
0.27
5.56
Shiller P/E 30.17
SFST's Shiller P/E is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. SFST: 30.17 )
SFST' s 10-Year Shiller P/E Range
Min: 5.41   Max: 51.72
Current: 30.17
5.41
51.72

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
SFST's Price/Tangible Book is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SFST: 0.7 )
SFST' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 3
Current: 0.7
0.3
3
Price/DCF (Projected) 0.5
SFST's Price/DCF (Projected) is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. SFST: 0.5 )
SFST' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.9
Current: 0.5
0.2
0.9
Price/Median PS Value 0.5
SFST's Price/Median PS Value is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFST: 0.5 )
SFST' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.9
Current: 0.5
0.3
1.9
Price/Peter Lynch Fair Value 2.9
SFST's Price/Peter Lynch Fair Value is ranked higher than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SFST: 2.9 )
SFST' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 6.7
Current: 2.9
0.6
6.7
Price/Graham Number 0.6
SFST's Price/Graham Number is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFST: 0.6 )
SFST' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.1
Current: 0.6
0.5
2.1
Earnings Yield (Greenblatt) 8.00
SFST's Earnings Yield (Greenblatt) is ranked higher than
67% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SFST: 8.00 )
SFST' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 10.8
Current: 8
0.3
10.8
Forward Rate of Return (Yacktman) 24.05
SFST's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. SFST: 24.05 )
SFST' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.4   Max: 84.8
Current: 24.05
-12.4
84.8

Business Description

Southern First Bancshares, Inc. was incorporated in March 1999 to organize and serve as the holding company for Greenville First Bank, N.A. On July 2, 2007, the company's and bank name was changed to Southern First Bancshares, Inc. and Southern First Bank, N.A., respectively. The bank is mainly engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation, and providing commercial, consumer and mortgage loans to the general public. It emphasizes a range of lending services, including 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. The Company's main source of funds is core deposits. It offers a full range of deposit services, including 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. It offers other bank services including safe deposit boxes, traveler's checks, direct deposit, United States Savings Bonds, and banking by mail. It earns fees for most of these services, including debit and credit card transactions, sales of checks, and wire transfers. It also receives ATM transaction fees from transactions performed by its clients. It is associated with the Honor, Cirrus, and Master-Money ATM networks, which are available to its clients throughout the country. Since it outsources its ATM services, it is charged related transaction fees from its ATM service provider. The banking business is highly competitive, and its experience competition in its market from many other financial institutions. The Company competes with commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds, and other mutual funds, as well as other super-regional, national, and international financial institutions that operate offices in Greenville, Richland and Lexington Counties and elsewhere. Both the Company and the bank are subject to extensive state and federal banking laws and regulations that impose specific requirements or restrictions on and provide for general regulatory oversight of virtually all aspects of its operations.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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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