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Southern First BancsharesSFST -2.34%57 EV-to-FCF is 22.43 as of Jul. 18, 2026, which is 40% above its 10-year median of 15.97. GuruFocus rates SFST with a GF Score™ of 57/100 and a GF Value™ of $47.02 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,194 Banks companies, Southern First Bancshares ranks worse than 84.59% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Southern First Bancshares's Enterprise Value is $738.5 Mil.
Southern First Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $32.9 Mil. Therefore, Southern First Bancshares's EV-to-FCF for today is 22.43.
The historical rank and industry rank for Southern First Bancshares's EV-to-FCF or its related term are showing as below:
SFST'
s EV-to-FCF Range Over the Past 10 Years
Min: -181.63 Med: 15.97 Max: 44.08
Current: 22.43
During the past 13 years, the highest EV-to-FCF of Southern First Bancshares was 44.08. The lowest was -181.63. And the median was 15.97.
SFST's EV-to-FCF is ranked worse than 84.59% of 1194
companies
in the Banks industry
Industry Median: 6.725
vs SFST: 22.43
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $62.20.
Southern First Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.280.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Southern First Bancshares EV-to-FCF Related Terms
Southern First Bancshares EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's EV-to-FCF falls into.
Southern First Bancshares's current Enterprise Value is $738.5 Mil.
Southern First Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $32.9 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-FCF of 22.43 as of Jul. 18, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Southern First Bancshares and its competitors. This is 40% above median its historical median of 15.97. According to the industry distribution chart, Southern First Bancshares ranks #1010 out of 1194 companies in the Banks industry, placing it in the top 84.6%.
Is Southern First Bancshares' EV-to-FCF too high?
Southern First Bancshares' current EV-to-FCF of 22.43 is 40% above median its 10-year median of 15.97. The Banks industry median EV-to-FCF is 6.73. Southern First Bancshares' value of 22.43 is 233.5% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #1010 out of 1194 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southern First Bancshares has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' EV-to-FCF compare to BWB and KRNY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #1010 out of 1194 companies for EV-to-FCF. This places Southern First Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.73. Southern First Bancshares' value of 22.43 is 233.5% above this benchmark. While the company's 10-year median is 15.97 vs. the industry median of 6.73, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.73, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current EV-to-FCF of 22.43 is 233.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current EV-to-FCF is 22.43, which is 40% above median its own 10-year median of 15.97. 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 $47.02, compared to a current price of $62.20 — trading 32.3% above its estimated fair value. The current EV-to-FCF is 22.43, which is 40% above median its 10-year median of 15.97 and 233.5% above the Banks industry median of 6.73. Southern First Bancshares' overall GF Score™ is 57/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current EV-to-FCF is 22.43 as of Jul. 18, 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 $62.20 is trading 32.3% above its estimated GF Value™ of $47.02.
GuruFocus considers Southern First Bancshares to be Significantly Overvalued.
Key valuation signals for SFST:
EV-to-FCF: 22.43 (40% above median its 10-year median of 15.97)
GF Value™: $47.02 vs. price of $62.20 (32.3% above fair value)
Industry Position: 233.5% above the Banks median (#1010 of 1194)
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.
57GF Score
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