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Southern First BancsharesSFST -2.34%57 PS Ratio is 4.08 as of Jul. 18, 2026, which is 12% above its 10-year median of 3.63. 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 1,517 Banks companies, Southern First Bancshares ranks worse than 72.97% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Southern First Bancshares's share price is $62.20.
Southern First Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $15.24. Hence, Southern First Bancshares's PS Ratio for today is 4.08.
Warning Sign:
Southern First Bancshares Inc stock PS Ratio (=4.08) is close to 3-year high of 4.21.
The historical rank and industry rank for Southern First Bancshares's PS Ratio or its related term are showing as below:
SFST'
s PS Ratio Range Over the Past 10 Years
Min: 1.71 Med: 3.63 Max: 5.77
Current: 4.08
During the past 13 years, Southern First Bancshares's highest PS Ratio was 5.77. The lowest was 1.71. And the median was 3.63.
SFST's PS Ratio is ranked worse than 72.97% of 1517
companies
in the Banks industry
Industry Median: 3.06
vs SFST: 4.08
During the past 12 months, the average Revenue per Share Growth Rate of Southern First Bancshares was 25.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 2.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -0.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 6.60% per year.
During the past 13 years, Southern First Bancshares's highest 3-Year average Revenue per Share Growth Rate was 52.70% per year. The lowest was -7.50% per year. And the median was 10.00% per year.
Back to Basics: PS Ratio
Southern First Bancshares (NAS:SFST) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Southern First Bancshares PS Ratio Related Terms
Southern First Bancshares PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's PS Ratio distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Southern First Bancshares's Share Price of today is $62.20. Southern First Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $15.24.
* 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.
It can also be calculated from the numbers for the whole company:
Southern First Bancshares (SFST) has a PS Ratio of 4.08 as of Jul. 18, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Southern First Bancshares and its competitors. This is 12% above median its historical median of 3.63. Over the past decade, Southern First Bancshares' PS Ratio has ranged from 1.71 to 5.77. According to the industry distribution chart, Southern First Bancshares ranks #1107 out of 1517 companies in the Banks industry, placing it in the top 73%.
Is Southern First Bancshares' PS Ratio too high?
Southern First Bancshares' current PS Ratio of 4.08 is 12% above median its 10-year median of 3.63. Over the past 10 years, this metric has ranged from a low of 1.71 to a high of 5.77. The Banks industry median PS Ratio is 3.06. Southern First Bancshares' value of 4.08 is 33.3% above this industry median. Based on the distribution chart, Southern First Bancshares ranks #1107 out of 1517 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' PS Ratio compare to BWB and KRNY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #1107 out of 1517 companies for PS Ratio. This places Southern First Bancshares in the lower half of its industry. The industry median PS Ratio is 3.06. Southern First Bancshares' value of 4.08 is 33.3% above this benchmark. Historically, Southern First Bancshares' own PS Ratio has ranged from 1.71 to 5.77 over the past decade. While the company's 10-year median is 3.63 vs. the industry median of 3.06, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current PS Ratio of 4.08 is 33.3% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current PS Ratio is 4.08, which is 12% above median its own 10-year median of 3.63. 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 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 PS Ratio is 4.08, which is 12% above median its 10-year median of 3.63 and 33.3% above the Banks industry median of 3.06. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current PS Ratio is 4.08 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:
PS Ratio: 4.08 (12% above median its 10-year median of 3.63)
GF Value™: $47.02 vs. price of $62.20 (32.3% above fair value)
Industry Position: 33.3% above the Banks median (#1107 of 1517)
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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