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Southern First BancsharesSFST -0.66%59 EV-to-OCF is 18.23 as of Aug. 08, 2026, which is 23% above its 10-year median of 14.83. GuruFocus rates SFST with a GF Score™ of 59/100 and a GF Value™ of $49.25 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,498 Banks companies, Southern First Bancshares ranks worse than 86.05% on this metric.
The historical rank and industry rank for Southern First Bancshares's EV-to-OCF or its related term are showing as below:
SFST'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.35 Med: 14.83 Max: 124.17
Current: 18.23
During the past 13 years, the highest EV-to-OCF of Southern First Bancshares was 124.17. The lowest was 3.35. And the median was 14.83.
SFST's EV-to-OCF is ranked worse than 86.05% of 1498
companies
in the Banks industry
Industry Median: 3.98
vs SFST: 18.23
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Southern First Bancshares (NAS:SFST) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Southern First Bancshares's PE Ratio (TTM) for today is calculated as:
Southern First Bancshares's share price for today is $63.39.
Southern First Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.670.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Southern First Bancshares EV-to-OCF Related Terms
Southern First Bancshares EV-to-OCF Historical Data
* 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.
For the Banks - Regional subindustry, Southern First Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's EV-to-OCF falls into.
Southern First Bancshares's current Enterprise Value is $751.2 Mil.
Southern First Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $41.2 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.
Southern First Bancshares (SFST) has a EV-to-OCF of 18.23 as of Aug. 08, 2026. This is 23% above median its historical median of 14.83. Over the past decade, Southern First Bancshares' EV-to-OCF has ranged from 3.35 to 124.17. According to the industry distribution chart, Southern First Bancshares ranks #1289 out of 1498 companies in the Banks industry, placing it in the top 86%.
Is Southern First Bancshares' EV-to-OCF too high?
Southern First Bancshares' current EV-to-OCF of 18.23 is 23% above median its 10-year median of 14.83. Over the past 10 years, this metric has ranged from a low of 3.35 to a high of 124.17. The Banks industry median EV-to-OCF is 3.98. Southern First Bancshares' value of 18.23 is 358% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #1289 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southern First Bancshares has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' EV-to-OCF compare to UNTY and BWB?
According to the Banks industry distribution chart, Southern First Bancshares ranks #1289 out of 1498 companies for EV-to-OCF. This places Southern First Bancshares in the lower half of its industry. The industry median EV-to-OCF is 3.98. Southern First Bancshares' value of 18.23 is 358% above this benchmark. Historically, Southern First Bancshares' own EV-to-OCF has ranged from 3.35 to 124.17 over the past decade. While the company's 10-year median is 14.83 vs. the industry median of 3.98, Southern First Bancshares has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current EV-to-OCF of 18.23 is 358% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current EV-to-OCF is 18.23, which is 23% above median its own 10-year median of 14.83. 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 Modestly Overvalued. The stock's GF Value™ is $49.25, compared to a current price of $63.39 — trading 28.7% above its estimated fair value. The current EV-to-OCF is 18.23, which is 23% above median its 10-year median of 14.83 and 358% above the Banks industry median of 3.98. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current EV-to-OCF is 18.23 as of Aug. 08, 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 $63.39 is trading 28.7% above its estimated GF Value™ of $49.25.
GuruFocus considers Southern First Bancshares to be Modestly Overvalued.
Key valuation signals for SFST:
EV-to-OCF: 18.23 (23% above median its 10-year median of 14.83)
GF Value™: $49.25 vs. price of $63.39 (28.7% above fair value)
Industry Position: 358% above the Banks median (#1289 of 1498)
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.
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