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Southern First BancsharesSFST -0.66%59 Pretax Margin % is 40.30% as of Jun. 2026, which is 10% above its 10-year median of 36.63. GuruFocus rates SFST with a GF Score™ of 59/100 and a GF Value™ of $50.34 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Southern First Bancshares ranks better than 57.8% on this metric.
Southern First Bancshares (NAS:SFST) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Southern First Bancshares Pretax Margin % Related Terms
Southern First Bancshares Pretax 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.
SFST vs UNTY, BWB, CBNK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Southern First Bancshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Pretax 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 Pretax Margin % of 40.30% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Southern First Bancshares and its competitors. This is 10% above median its historical median of 36.63. Over the past decade, Southern First Bancshares' Pretax Margin % has ranged from 19.91 to 58.01. According to the industry distribution chart, Southern First Bancshares ranks #644 out of 1526 companies in the Banks industry, placing it in the top 42.2%.
Is Southern First Bancshares' Pretax Margin % too high?
Southern First Bancshares' current Pretax Margin % of 40.30% is 10% above median its 10-year median of 36.63. Over the past 10 years, this metric has ranged from a low of 19.91 to a high of 58.01. The Banks industry median Pretax Margin % is 35.51. Southern First Bancshares' value of 40.30% is 13.5% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #644 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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' Pretax Margin % compare to UNTY and BWB?
According to the Banks industry distribution chart, Southern First Bancshares ranks #644 out of 1526 companies for Pretax Margin %. This puts Southern First Bancshares in the upper half of its industry. The industry median Pretax Margin % is 35.51. Southern First Bancshares' value of 40.30% is 13.5% above this benchmark. Historically, Southern First Bancshares' own Pretax Margin % has ranged from 19.91 to 58.01 over the past decade. While the company's 10-year median is 36.63 vs. the industry median of 35.51, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.51, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current Pretax Margin % of 40.30% is 13.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 35.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current Pretax Margin % is 40.30%, which is 10% above median its own 10-year median of 36.63. 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 $50.34, compared to a current price of $63.39 — trading 25.9% above its estimated fair value. The current Pretax Margin % is 40.30%, which is 10% above median its 10-year median of 36.63 and 13.5% above the Banks industry median of 35.51. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Pretax Margin % is 40.30% 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 $63.39 is trading 25.9% above its estimated GF Value™ of $50.34.
GuruFocus considers Southern First Bancshares to be Modestly Overvalued.
Key valuation signals for SFST:
Pretax Margin %: 40.30% (10% above median its 10-year median of 36.63)
GF Value™: $50.34 vs. price of $63.39 (25.9% above fair value)
Industry Position: 13.5% above the Banks median (#644 of 1526)
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.
59GF Score
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