SFST (Southern First Bancshares) Net Interest Income: $118.9 Mil (TTM As of Jun. 2026)

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SFST Southern First Bancshares Inc SFST
59 GF Score
Price $62.07
GF Value $48.56
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Southern First Bancshares Net Interest Income?

Southern First Bancshares SFST -1.18% 59 Net Interest Income is $118.9 Mil as of Jun. 2026. GuruFocus rates SFST with a GF Score™ of 59/100 and a GF Value™ of $48.56 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Southern First Bancshares's net interest income for the three months ended in Jun. 2026 was $32.4 Mil. Its net interest income for the trailing twelve months (TTM) ended in Jun. 2026 was $118.9 Mil.

Southern First Bancshares Net Interest Income Related Terms

Southern First Bancshares Net Interest Income Historical Data

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The historical data trend for Southern First Bancshares's Net Interest Income 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 Interest Income Chart

Southern First Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 87.73 97.62 77.65 81.22 104.95

Southern First Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Interest Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 25.30 27.53 28.74 30.26 32.37
SFST
59GF Score
Southern First Bancshares Inc SFST
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Southern First Bancshares Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $118.9 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.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of $118.9 Mil mean?
Southern First Bancshares (SFST) has a Net Interest Income of $118.9 Mil as of Jun. 2026.
Is Southern First Bancshares' Net Interest Income too high?
Southern First Bancshares' current Net Interest Income is $118.9 Mil. Overall, Southern First Bancshares has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' Net Interest Income compare to NPB and UNTY?
Southern First Bancshares' Net Interest Income of $118.9 Mil 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 Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income 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 Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Southern First Bancshares's current Net Interest Income is $118.9 Mil. 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 $48.56, compared to a current price of $62.07 — trading 27.8% above its estimated fair value. The current Net Interest Income is $118.9 Mil. Southern First Bancshares' overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Net Interest Income is $118.9 Mil as of Jun. 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 $62.07 is trading 27.8% above its estimated GF Value™ of $48.56. GuruFocus considers Southern First Bancshares to be Modestly Overvalued.

Key valuation signals for SFST:

  • Net Interest Income: $118.9 Mil
  • GF Value™: $48.56 vs. price of $62.07 (27.8% above fair value)
  • GF Score™: 59/100 with 5 warning signs

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 Business Description

Address 6 Verdae Boulevard, Greenville, SC, USA, 29607
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.
59GF Score

Get the complete analysis for SFST

Net Interest Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$62.07
Price
$48.56
GF Value