Southern First BancsharesSFST +0.33%57 OCF Yield % is 5.94 as of Jun. 24, 2026, which is 35% below its 10-year median of 9.16. 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 1,502 Banks companies, Southern First Bancshares ranks worse than 63.78% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Southern First Bancshares OCF Yield % Related Terms
Southern First Bancshares OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's OCF 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.
Southern First Bancshares (SFST) has a OCF Yield % of 5.94 as of Jun. 24, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Southern First Bancshares and its competitors. This is 35% below median its historical median of 9.16. Over the past decade, Southern First Bancshares' OCF Yield % has ranged from 0.81 to 24.53. According to the industry distribution chart, Southern First Bancshares ranks #958 out of 1502 companies in the Banks industry, placing it in the top 63.8%.
Is Southern First Bancshares' OCF Yield % too high?
Southern First Bancshares' current OCF Yield % of 5.94 is 35% below median its 10-year median of 9.16. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 24.53. The Banks industry median OCF Yield % is 9.28. Southern First Bancshares' value of 5.94 is 36% below this industry median. Based on the distribution chart, Southern First Bancshares ranks #958 out of 1502 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' OCF Yield % compare to NRIM and FFIC?
According to the Banks industry distribution chart, Southern First Bancshares ranks #958 out of 1502 companies for OCF Yield %. This places Southern First Bancshares in the lower half of its industry. The industry median OCF Yield % is 9.28. Southern First Bancshares' value of 5.94 is 36% below this benchmark. Historically, Southern First Bancshares' own OCF Yield % has ranged from 0.81 to 24.53 over the past decade. While the company's 10-year median is 9.16 vs. the industry median of 9.28, Southern First Bancshares has consistently been below 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.28, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current OCF Yield % of 5.94 is 36% below 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median OCF Yield % is 9.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current OCF Yield % is 5.94, which is 35% below median its own 10-year median of 9.16. 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 OCF Yield % is 5.94, which is 35% below median its 10-year median of 9.16 and 36% below the Banks industry median of 9.28. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current OCF Yield % is 5.94 as of Jun. 24, 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:
OCF Yield %: 5.94 (35% below median its 10-year median of 9.16)
GF Value™: $47.08 vs. price of $59.96 (27.4% above fair value)
Industry Position: 36% below the Banks median (#958 of 1502)
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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