Southern First BancsharesSFST +0.33%57 Net Margin % is 29.25% as of Mar. 2026, which is 17% above its 10-year median of 24.96. 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 1,527 Banks companies, Southern First Bancshares ranks better than 53.83% on this metric.
The historical rank and industry rank for Southern First Bancshares's Net Margin % or its related term are showing as below:
SFST'
s Net Margin % Range Over the Past 10 Years
Min: 15.34 Med: 24.96 Max: 44.56
Current: 27.9
SFST's Net Margin % is ranked better than 53.83% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs SFST: 27.90
Southern First Bancshares (NAS:SFST) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Southern First Bancshares Net Margin % Related Terms
Southern First Bancshares Net Margin % 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.
For the Banks - Regional subindustry, Southern First Bancshares's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Net 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 Net Margin % of 29.25% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Southern First Bancshares and its competitors. This is 17% above median its historical median of 24.96. Over the past decade, Southern First Bancshares' Net Margin % has ranged from 15.34 to 44.56. According to the industry distribution chart, Southern First Bancshares ranks #705 out of 1527 companies in the Banks industry, placing it in the top 46.2%.
Is Southern First Bancshares' Net Margin % too high?
Southern First Bancshares' current Net Margin % of 29.25% is 17% above median its 10-year median of 24.96. Over the past 10 years, this metric has ranged from a low of 15.34 to a high of 44.56. The Banks industry median Net Margin % is 26.95. Southern First Bancshares' value of 29.25% is 8.5% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #705 out of 1527 companies in the Banks industry, which is above 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' Net Margin % compare to NRIM and FFIC?
According to the Banks industry distribution chart, Southern First Bancshares ranks #705 out of 1527 companies for Net Margin %. This puts Southern First Bancshares in the upper half of its industry. The industry median Net Margin % is 26.95. Southern First Bancshares' value of 29.25% is 8.5% above this benchmark. Historically, Southern First Bancshares' own Net Margin % has ranged from 15.34 to 44.56 over the past decade. While the company's 10-year median is 24.96 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current Net Margin % of 29.25% is 8.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current Net Margin % is 29.25%, which is 17% above median its own 10-year median of 24.96. 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 Net Margin % is 29.25%, which is 17% above median its 10-year median of 24.96 and 8.5% above the Banks industry median of 26.95. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Net Margin % is 29.25% 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:
Net Margin %: 29.25% (17% above median its 10-year median of 24.96)
GF Value™: $47.08 vs. price of $59.96 (27.4% above fair value)
Industry Position: 8.5% above the Banks median (#705 of 1527)
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
Get the complete analysis for SFST
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SFST has been successfully added to your 
