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Southern First BancsharesSFST -2.34%57 Return-on-Tangible-Asset is 0.88% as of Mar. 2026, which is at its 10-year median of 0.88. GuruFocus rates SFST with a GF Scoreâ„¢ of 57/100 and a GF Valueâ„¢ of $47.02 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Southern First Bancshares ranks worse than 63.11% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Southern First Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $39.5 Mil. Southern First Bancshares's average total tangible assets for the quarter that ended in Mar. 2026 was $4,490.9 Mil. Therefore, Southern First Bancshares's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.88%.
The historical rank and industry rank for Southern First Bancshares's Return-on-Tangible-Asset or its related term are showing as below:
SFST'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.35 Med: 0.88 Max: 1.73
Current: 0.8
During the past 13 years, Southern First Bancshares's highest Return-on-Tangible-Asset was 1.73%. The lowest was 0.35%. And the median was 0.88%.
SFST's Return-on-Tangible-Asset is ranked worse than 63.11% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs SFST: 0.80
Southern First Bancshares (NAS:SFST) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Southern First Bancshares Return-on-Tangible-Asset Related Terms
Southern First Bancshares Return-on-Tangible-Asset Historical Data
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The historical data trend for Southern First Bancshares's Return-on-Tangible-Asset can be seen below:
* 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 Return-on-Tangible-Asset Chart
SFST vs BWB, KRNY, CBNK: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Southern First Bancshares's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.88% mean?
Southern First Bancshares (SFST) has a Return-on-Tangible-Asset of 0.88% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Southern First Bancshares and its competitors. This is near median its historical median of 0.88. Over the past decade, Southern First Bancshares' Return-on-Tangible-Asset has ranged from 0.35 to 1.73. According to the industry distribution chart, Southern First Bancshares ranks #965 out of 1529 companies in the Banks industry, placing it in the top 63.1%.
Is Southern First Bancshares' Return-on-Tangible-Asset too high?
Southern First Bancshares' current Return-on-Tangible-Asset of 0.88% is near median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.73. The Banks industry median Return-on-Tangible-Asset is 0.99. Southern First Bancshares' value of 0.88% is 11.1% below this industry median. Based on the distribution chart, Southern First Bancshares ranks #965 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Southern First Bancshares has a GF Scoreâ„¢ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' Return-on-Tangible-Asset compare to BWB and KRNY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #965 out of 1529 companies for Return-on-Tangible-Asset. This places Southern First Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Southern First Bancshares' value of 0.88% is 11.1% below this benchmark. Historically, Southern First Bancshares' own Return-on-Tangible-Asset has ranged from 0.35 to 1.73 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current Return-on-Tangible-Asset of 0.88% is 11.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current Return-on-Tangible-Asset is 0.88%, which is near median its own 10-year median of 0.88. 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 Return-on-Tangible-Asset is 0.88%, which is near median its 10-year median of 0.88 and 11.1% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Return-on-Tangible-Asset is 0.88% 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 $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:
Return-on-Tangible-Asset: 0.88% (near median its 10-year median of 0.88)
GF Value™: $47.02 vs. price of $62.20 (32.3% above fair value)
Industry Position: 11.1% below the Banks median (#965 of 1529)
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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