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Southern First BancsharesSFST -2.34%57 Net Debt Paydown Yield % is 0.49% as of Jul. 18, 2026, which is 78% below its 10-year median of 2.18. GuruFocus rates SFST with a GF Scoreâ„¢ of 57/100 and a GF Valueâ„¢ of $47.02 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,418 Banks companies, Southern First Bancshares ranks better than 61.5% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Southern First Bancshares's Net Debt Paydown Yield % was 0.49%.
Southern First Bancshares (NAS:SFST) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Southern First Bancshares Net Debt Paydown Yield % Related Terms
Southern First Bancshares Net Debt Paydown Yield % Historical Data
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The historical data trend for Southern First Bancshares's Net Debt Paydown Yield % can be seen below:
* 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 Net Debt Paydown Yield % Chart
SFST vs BWB, KRNY, CBNK: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Southern First Bancshares's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 0.49% mean?
Southern First Bancshares (SFST) has a Net Debt Paydown Yield % of 0.49% as of Jul. 18, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Southern First Bancshares and its competitors. This is 78% below median its historical median of 2.18. According to the industry distribution chart, Southern First Bancshares ranks #546 out of 1418 companies in the Banks industry, placing it in the top 38.5%.
Is Southern First Bancshares' Net Debt Paydown Yield % too high?
Southern First Bancshares' current Net Debt Paydown Yield % of 0.49% is 78% below median its 10-year median of 2.18. Based on the distribution chart, Southern First Bancshares ranks #546 out of 1418 companies in the Banks industry, which is above the industry midpoint. Overall, Southern First Bancshares has a GF Scoreâ„¢ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' Net Debt Paydown Yield % compare to BWB and KRNY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #546 out of 1418 companies for Net Debt Paydown Yield %. This puts Southern First Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Southern First Bancshares and its competitors. Southern First Bancshares's current Net Debt Paydown Yield % is 0.49%, which is 78% below median its own 10-year median of 2.18. 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 Net Debt Paydown Yield % is 0.49%, which is 78% below median its 10-year median of 2.18. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Net Debt Paydown Yield % is 0.49% 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:
Net Debt Paydown Yield %: 0.49% (78% below median its 10-year median of 2.18)
GF Value™: $47.02 vs. price of $62.20 (32.3% 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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