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Southern First BancsharesSFST +1.37%59 3-Year Book Growth Rate is 6.90% as of Jun. 2026, which is 31% below its 10-year median of 10.00. GuruFocus rates SFST with a GF Score™ of 59/100 and a GF Value™ of $48.65 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,488 Banks companies, Southern First Bancshares ranks worse than 61.63% on this metric.
During the past 12 months, Southern First Bancshares's average Book Value per Share Growth Rate was 13.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 11.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Southern First Bancshares was 26.00% per year. The lowest was 1.50% per year. And the median was 10.00% per year.
Southern First Bancshares (NAS:SFST) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Southern First Bancshares 3-Year Book Growth Rate Related Terms
SFST vs NPB, UNTY, GCBC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Southern First Bancshares's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Southern First Bancshares 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's 3-Year Book Growth Rate falls into.
Southern First Bancshares 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.90% mean?
Southern First Bancshares (SFST) has a 3-Year Book Growth Rate of 6.90% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Southern First Bancshares and its competitors. This is 31% below median its historical median of 10.00. Over the past decade, Southern First Bancshares' 3-Year Book Growth Rate has ranged from 1.50 to 26.00. According to the industry distribution chart, Southern First Bancshares ranks #917 out of 1488 companies in the Banks industry, placing it in the top 61.6%.
Is Southern First Bancshares' 3-Year Book Growth Rate too high?
Southern First Bancshares' current 3-Year Book Growth Rate of 6.90% is 31% below median its 10-year median of 10.00. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 26.00. The Banks industry median 3-Year Book Growth Rate is 8.80. Southern First Bancshares' value of 6.90% is 21.6% below this industry median. Based on the distribution chart, Southern First Bancshares ranks #917 out of 1488 companies in the Banks industry, which is below the industry midpoint. Overall, Southern First Bancshares has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' 3-Year Book Growth Rate compare to NPB and UNTY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #917 out of 1488 companies for 3-Year Book Growth Rate. This places Southern First Bancshares in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Southern First Bancshares' value of 6.90% is 21.6% below this benchmark. Historically, Southern First Bancshares' own 3-Year Book Growth Rate has ranged from 1.50 to 26.00 over the past decade. While the company's 10-year median is 10.00 vs. the industry median of 8.80, Southern First Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current 3-Year Book Growth Rate of 6.90% is 21.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Southern First Bancshares and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current 3-Year Book Growth Rate is 6.90%, which is 31% below median its own 10-year median of 10.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern First Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southern First Bancshares (SFST) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.65, compared to a current price of $63.74 — trading 31% above its estimated fair value. The current 3-Year Book Growth Rate is 6.90%, which is 31% below median its 10-year median of 10.00 and 21.6% below the Banks industry median of 8.80. Southern First Bancshares' overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current 3-Year Book Growth Rate is 6.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Southern First Bancshares (SFST) Overvalued in 2026?
Based on GuruFocus' analysis, Southern First Bancshares stock appears to be overvalued.
The current stock price of $63.74 is trading 31% above its estimated GF Value™ of $48.65.
GuruFocus considers Southern First Bancshares to be Significantly Overvalued.
Key valuation signals for SFST:
3-Year Book Growth Rate: 6.90% (31% below median its 10-year median of 10.00)
GF Value™: $48.65 vs. price of $63.74 (31% above fair value)
Industry Position: 21.6% below the Banks median (#917 of 1488)
No single metric tells the full story. See the SFST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southern First Bancshares Inc is a bank holding company. Through its banking subsidiary, it is 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, ATM processing, and other banking products and services to the general public. The group operates through various retail offices located in the Greenville, Columbia, and Charleston markets of South Carolina, three retail offices in the Raleigh, Greensboro, and Charlotte markets of North Carolina, and one retail office in Atlanta, Georgia.
59GF Score
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