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Southern First Bancshares (NAS:SFST) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Southern First Bancshares Forward PE Ratio Related Terms
Southern First Bancshares Forward PE Ratio 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.
Southern First Bancshares Forward PE Ratio Chart
Southern First Bancshares Annual Data
Trend
2016-12
2017-12
2018-12
2019-12
2020-12
2021-12
2022-12
2024-12
2025-12
Forward PE Ratio
17.57
15.92
10.55
12.21
12.06
13.70
9.66
21.44
11.89
Southern First Bancshares Quarterly Data
2016-03
2016-06
2016-09
2016-12
2017-03
2017-06
2017-12
2018-03
2018-06
2018-09
2018-12
2019-03
2019-06
2019-09
2019-12
2020-03
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-09
2022-12
2023-06
2023-09
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
13.66
13.87
13.46
17.57
15.77
17.99
15.92
16.78
16.26
12.72
10.55
11.10
12.63
11.64
12.21
7.30
14.25
7.56
12.06
11.81
12.33
12.90
13.70
11.39
8.75
9.66
14.43
12.59
14.99
21.01
18.08
21.44
12.48
15.32
11.09
11.89
9.87
SFST vs BWB, KRNY, CBNK: Forward PE Ratio Comparison
For the Banks - Regional subindustry, Southern First Bancshares's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Forward PE Ratio falls into.
Southern First Bancshares Forward PE Ratio Calculation
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Southern First Bancshares (SFST) has a Forward PE Ratio of 12.33 as of Jul. 18, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Southern First Bancshares and its competitors. According to the industry distribution chart, Southern First Bancshares ranks #559 out of 819 companies in the Banks industry, placing it in the top 68.3%.
Is Southern First Bancshares' Forward PE Ratio too high?
Southern First Bancshares' current Forward PE Ratio is 12.33. The Banks industry median Forward PE Ratio is 11.32. Southern First Bancshares' value of 12.33 is 8.9% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #559 out of 819 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' Forward PE Ratio compare to BWB and KRNY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #559 out of 819 companies for Forward PE Ratio. This places Southern First Bancshares in the lower half of its industry. The industry median Forward PE Ratio is 11.32. Southern First Bancshares' value of 12.33 is 8.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 11.32, based on 819 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current Forward PE Ratio of 12.33 is 8.9% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median Forward PE Ratio is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current Forward PE Ratio is 12.33. 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 Forward PE Ratio is 12.33 and 8.9% above the Banks industry median of 11.32. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Forward PE Ratio is 12.33 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:
Forward PE Ratio: 12.33
GF Value™: $47.02 vs. price of $62.20 (32.3% above fair value)
Industry Position: 8.9% above the Banks median (#559 of 819)
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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Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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