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Southern First Bancshares's quarterly Gross Loan
increased
from Dec. 2025 ($3,856.7 Mil) to Mar. 2026 ($3,955.9 Mil) and
increased
from Mar. 2026 ($3,955.9 Mil) to Jun. 2026 ($4,038.8 Mil).
Southern First Bancshares's annual Gross Loan
increased
from Dec. 2023 ($3,609.8 Mil) to Dec. 2024 ($3,636.3 Mil) and
increased
from Dec. 2024 ($3,636.3 Mil) to Dec. 2025 ($3,856.7 Mil).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.
Southern First Bancshares (SFST) has a Gross Loan of $4,038.8 Mil as of Jun. 2026. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Southern First Bancshares and its competitors.
Is Southern First Bancshares' Gross Loan too high?
Southern First Bancshares' current Gross Loan is $4,038.8 Mil. 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' Gross Loan compare to UNTY and BWB?
Southern First Bancshares' Gross Loan of $4,038.8 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Loan for a Banks company?
A good Gross Loan depends on the Banks industry context. However, Gross Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Southern First Bancshares and its competitors. Southern First Bancshares's current Gross Loan is $4,038.8 Mil. 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 $49.30, compared to a current price of $64.85 — trading 31.5% above its estimated fair value. The current Gross Loan is $4,038.8 Mil. 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 Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Gross Loan is $4,038.8 Mil 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 $64.85 is trading 31.5% above its estimated GF Value™ of $49.30.
GuruFocus considers Southern First Bancshares to be Significantly Overvalued.
Key valuation signals for SFST:
Gross Loan: $4,038.8 Mil
GF Value™: $49.30 vs. price of $64.85 (31.5% above fair value)
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
Get the complete analysis for SFST
Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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