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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.17
SFST's Cash-to-Debt is ranked lower than
90% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 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 1614 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 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 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
Piotroski F-Score: 4
Beneish M-Score: -4.86
WACC vs ROIC
9.15%
8.15%
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 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 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
54% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 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
75% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 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
59% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 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
3-Year Revenue Growth Rate 1.40
SFST's 3-Year Revenue Growth Rate is ranked lower than
64% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SFST: 1.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SFST' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 1.4  Med: 13.3 Max: 52.7
Current: 1.4
1.4
52.7
3-Year EBITDA Growth Rate 18.60
SFST's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. SFST: 18.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SFST' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -31.2  Med: 23.7 Max: 267.2
Current: 18.6
-31.2
267.2
3-Year EPS without NRI Growth Rate 34.30
SFST's 3-Year EPS without NRI Growth Rate is ranked higher than
88% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SFST: 34.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SFST' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -59.5  Med: 25.8 Max: 120.1
Current: 34.3
-59.5
120.1
GuruFocus has detected 4 Warning Signs with Southern First Bancshares Inc $SFST.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SFST's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

SFST Guru Trades in Q4 2016

Jim Simons 37,700 sh (+13.90%)
» 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    NAICS: 551111    SIC: 6021
Compare:OTCPK:ISBA, NAS:SHBI, NAS:CVLY, NAS:NRIM, NAS:FBIZ, NAS:LCNB, NAS:SONA, NAS:FFNW, NAS:FCFP, OTCPK:CSHX, NAS:PWOD, NAS:INBK, NAS:MFSF, OTCPK:ALRS, NAS:PFBI, NAS:CIVB, NAS:FGBI, NAS:UNB, NAS:MBTF, NAS:ORRF » 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
PE Ratio 17.87
SFST's PE Ratio is ranked lower than
64% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. SFST: 17.87 )
Ranked among companies with meaningful PE Ratio only.
SFST' s PE Ratio Range Over the Past 10 Years
Min: 9.02  Med: 15.67 Max: 141.2
Current: 17.87
9.02
141.2
Forward PE Ratio 16.23
SFST's Forward PE Ratio is ranked higher than
52% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. SFST: 16.23 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.87
SFST's PE Ratio without NRI is ranked lower than
63% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. SFST: 17.87 )
Ranked among companies with meaningful PE Ratio without NRI only.
SFST' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.21  Med: 15.66 Max: 141.2
Current: 17.87
9.21
141.2
Price-to-Owner-Earnings 24.56
SFST's Price-to-Owner-Earnings is ranked lower than
80% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. SFST: 24.56 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SFST' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.71  Med: 19.33 Max: 115.2
Current: 24.56
8.71
115.2
PB Ratio 2.02
SFST's PB Ratio is ranked lower than
84% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SFST: 2.02 )
Ranked among companies with meaningful PB Ratio only.
SFST' s PB Ratio Range Over the Past 10 Years
Min: 0.34  Med: 1.1 Max: 2.21
Current: 2.02
0.34
2.21
PS Ratio 4.26
SFST's PS Ratio is ranked lower than
65% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. SFST: 4.26 )
Ranked among companies with meaningful PS Ratio only.
SFST' s PS Ratio Range Over the Past 10 Years
Min: 0.81  Med: 1.84 Max: 20.97
Current: 4.26
0.81
20.97
Price-to-Free-Cash-Flow 17.35
SFST's Price-to-Free-Cash-Flow is ranked lower than
57% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. SFST: 17.35 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SFST' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.92  Med: 11.46 Max: 326.52
Current: 17.35
1.92
326.52
Price-to-Operating-Cash-Flow 12.42
SFST's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. SFST: 12.42 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SFST' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.86  Med: 7.03 Max: 56.3
Current: 12.42
1.86
56.3
EV-to-EBIT 16.67
SFST's EV-to-EBIT is ranked lower than
63% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. SFST: 16.67 )
Ranked among companies with meaningful EV-to-EBIT only.
SFST' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 22.7 Max: 319.4
Current: 16.67
6.2
319.4
EV-to-EBITDA 15.66
SFST's EV-to-EBITDA is ranked lower than
64% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. SFST: 15.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
SFST' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 19.8 Max: 114
Current: 15.66
5.3
114
PEG Ratio 0.44
SFST's PEG Ratio is ranked higher than
86% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. SFST: 0.44 )
Ranked among companies with meaningful PEG Ratio only.
SFST' s PEG Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.47 Max: 49.46
Current: 0.44
0.28
49.46
Shiller PE Ratio 42.44
SFST's Shiller PE Ratio is ranked lower than
87% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. SFST: 42.44 )
Ranked among companies with meaningful Shiller PE Ratio only.
SFST' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.22  Med: 22.39 Max: 46.39
Current: 42.44
10.22
46.39

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
81% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 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-to-Tangible-Book 2.02
SFST's Price-to-Tangible-Book is ranked lower than
77% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SFST: 2.02 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SFST' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.4  Med: 1.24 Max: 3.21
Current: 2.02
0.4
3.21
Price-to-Intrinsic-Value-Projected-FCF 1.06
SFST's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
68% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SFST: 1.06 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SFST' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.56 Max: 1.98
Current: 1.06
0.26
1.98
Price-to-Median-PS-Value 2.33
SFST's Price-to-Median-PS-Value is ranked lower than
95% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SFST: 2.33 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SFST' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.51  Med: 1.53 Max: 13.63
Current: 2.33
0.51
13.63
Price-to-Peter-Lynch-Fair-Value 0.72
SFST's Price-to-Peter-Lynch-Fair-Value is ranked higher than
75% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SFST: 0.72 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SFST' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.44  Med: 0.66 Max: 165
Current: 0.72
0.44
165
Price-to-Graham-Number 1.27
SFST's Price-to-Graham-Number is ranked lower than
70% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SFST: 1.27 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SFST' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 1.01 Max: 2.48
Current: 1.27
0.47
2.48
Earnings Yield (Greenblatt) % 6.00
SFST's Earnings Yield (Greenblatt) % is ranked higher than
52% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SFST: 6.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SFST' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 4.4 Max: 16.2
Current: 6
0.3
16.2
Forward Rate of Return (Yacktman) % 32.57
SFST's Forward Rate of Return (Yacktman) % is ranked higher than
86% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. SFST: 32.57 )
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: -12  Med: 33.5 Max: 62.6
Current: 32.57
-12
62.6

More Statistics

Revenue (TTM) (Mil) $52.59
EPS (TTM) $ 1.88
Beta0.66
Short Percentage of Float2.37%
52-Week Range $22.30 - 38.55
Shares Outstanding (Mil)6.46

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.90 2.07 2.50
EPS without NRI ($) 1.90 2.07 2.50
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» 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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