Southern First BancsharesSFST +0.33%57 FCF Margin % is 31.05% as of Mar. 2026, which is 32% above its 10-year median of 23.48. GuruFocus rates SFST with a GF Score™ of 57/100 and a GF Value™ of $47.08 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Southern First Bancshares ranks worse than 50.23% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's FCF Margin % falls into.
* 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 FCF Margin % of 31.05% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southern First Bancshares and its competitors. This is 32% above median its historical median of 23.48. Over the past decade, Southern First Bancshares' FCF Margin % has ranged from 12.45 to 49.19. According to the industry distribution chart, Southern First Bancshares ranks #756 out of 1505 companies in the Banks industry, placing it in the top 50.2%.
Is Southern First Bancshares' FCF Margin % too high?
Southern First Bancshares' current FCF Margin % of 31.05% is 32% above median its 10-year median of 23.48. Over the past 10 years, this metric has ranged from a low of 12.45 to a high of 49.19. The Banks industry median FCF Margin % is 26.42. Southern First Bancshares' value of 31.05% is 17.5% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #756 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Southern First Bancshares has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' FCF Margin % compare to NRIM and FFIC?
According to the Banks industry distribution chart, Southern First Bancshares ranks #756 out of 1505 companies for FCF Margin %. This places Southern First Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.42. Southern First Bancshares' value of 31.05% is 17.5% above this benchmark. Historically, Southern First Bancshares' own FCF Margin % has ranged from 12.45 to 49.19 over the past decade. While the company's 10-year median is 23.48 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current FCF Margin % of 31.05% is 17.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current FCF Margin % is 31.05%, which is 32% above median its own 10-year median of 23.48. 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 $47.08, compared to a current price of $59.96 — trading 27.4% above its estimated fair value. The current FCF Margin % is 31.05%, which is 32% above median its 10-year median of 23.48 and 17.5% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current FCF Margin % is 31.05% as of Mar. 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 $59.96 is trading 27.4% above its estimated GF Value™ of $47.08.
GuruFocus considers Southern First Bancshares to be Modestly Overvalued.
Key valuation signals for SFST:
FCF Margin %: 31.05% (32% above median its 10-year median of 23.48)
GF Value™: $47.08 vs. price of $59.96 (27.4% above fair value)
Industry Position: 17.5% above the Banks median (#756 of 1505)
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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