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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Southern First Bancshares's Total Liabilities for the quarter that ended in Mar. 2026 was $4,199.0 Mil. Southern First Bancshares's Total Assets for the quarter that ended in Mar. 2026 was $4,578.4 Mil.
Therefore, Southern First Bancshares's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.92.
Southern First Bancshares (NAS:SFST) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Southern First Bancshares Liabilities-to-Assets Related Terms
Southern First Bancshares Liabilities-to-Assets 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 Liabilities-to-Assets Chart
SFST vs BWB, KRNY, CBNK: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Southern First Bancshares's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Liabilities-to-Assets falls into.
Southern First Bancshares Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Southern First Bancshares's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.92 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Southern First Bancshares and its competitors.
Is Southern First Bancshares' Liabilities-to-Assets too high?
Southern First Bancshares' current Liabilities-to-Assets is 0.92. 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' Liabilities-to-Assets compare to BWB and KRNY?
Southern First Bancshares' Liabilities-to-Assets of 0.92 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Southern First Bancshares and its competitors. Southern First Bancshares's current Liabilities-to-Assets is 0.92. 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 $47.01, compared to a current price of $61.48 — trading 30.8% above its estimated fair value. The current Liabilities-to-Assets is 0.92. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Liabilities-to-Assets is 0.92 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 $61.48 is trading 30.8% above its estimated GF Value™ of $47.01.
GuruFocus considers Southern First Bancshares to be Significantly Overvalued.
Key valuation signals for SFST:
Liabilities-to-Assets: 0.92
GF Value™: $47.01 vs. price of $61.48 (30.8% 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.
57GF Score
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