Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Southern First BancsharesSFST -2.34%57 PEG Ratio is 1.89 as of Jul. 18, 2026, which is 47% above its 10-year median of 1.29. GuruFocus rates SFST with a GF Score™ of 57/100 and a GF Value™ of $47.02 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,228 Banks companies, Southern First Bancshares ranks worse than 58.39% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Southern First Bancshares's PEG Ratio or its related term are showing as below:
SFST'
s PEG Ratio Range Over the Past 10 Years
Min: 0.41 Med: 1.29 Max: 2.79
Current: 1.89
During the past 13 years, Southern First Bancshares's highest PEG Ratio was 2.79. The lowest was 0.41. And the median was 1.29.
SFST's PEG Ratio is ranked worse than 58.39% of 1228
companies
in the Banks industry
Industry Median: 1.555
vs SFST: 1.89
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Southern First Bancshares (NAS:SFST) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Southern First Bancshares PEG Ratio Related Terms
Southern First Bancshares PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Southern First Bancshares (SFST) has a PEG Ratio of 1.89 as of Jul. 18, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Southern First Bancshares and its competitors. This is 47% above median its historical median of 1.29. Over the past decade, Southern First Bancshares' PEG Ratio has ranged from 0.41 to 2.79. According to the industry distribution chart, Southern First Bancshares ranks #717 out of 1228 companies in the Banks industry, placing it in the top 58.4%.
Is Southern First Bancshares' PEG Ratio too high?
Southern First Bancshares' current PEG Ratio of 1.89 is 47% above median its 10-year median of 1.29. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 2.79. The Banks industry median PEG Ratio is 1.56. Southern First Bancshares' value of 1.89 is 21.5% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #717 out of 1228 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' PEG Ratio compare to BWB and KRNY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #717 out of 1228 companies for PEG Ratio. This places Southern First Bancshares in the lower half of its industry. The industry median PEG Ratio is 1.56. Southern First Bancshares' value of 1.89 is 21.5% above this benchmark. Historically, Southern First Bancshares' own PEG Ratio has ranged from 0.41 to 2.79 over the past decade. While the company's 10-year median is 1.29 vs. the industry median of 1.56, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current PEG Ratio of 1.89 is 21.5% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current PEG Ratio is 1.89, which is 47% above median its own 10-year median of 1.29. 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 PEG Ratio is 1.89, which is 47% above median its 10-year median of 1.29 and 21.5% above the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current PEG Ratio is 1.89 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:
PEG Ratio: 1.89 (47% above median its 10-year median of 1.29)
GF Value™: $47.02 vs. price of $62.20 (32.3% above fair value)
Industry Position: 21.5% above the Banks median (#717 of 1228)
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
PEG Ratio 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 
