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Southern First BancsharesSFST -2.34%57 Return-on-Tangible-Equity is 10.57% as of Mar. 2026, which is 5% above its 10-year median of 10.11. 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 1,523 Banks companies, Southern First Bancshares ranks worse than 58.9% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Southern First Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $39.5 Mil. Southern First Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $374.0 Mil. Therefore, Southern First Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.57%.
The historical rank and industry rank for Southern First Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
SFST'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.42 Med: 10.11 Max: 18.46
Current: 9.79
During the past 13 years, Southern First Bancshares's highest Return-on-Tangible-Equity was 18.46%. The lowest was 4.42%. And the median was 10.11%.
SFST's Return-on-Tangible-Equity is ranked worse than 58.9% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs SFST: 9.79
Southern First Bancshares (NAS:SFST) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Southern First Bancshares Return-on-Tangible-Equity Related Terms
Southern First Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Southern First Bancshares's Return-on-Tangible-Equity 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-Equity Chart
SFST vs BWB, KRNY, CBNK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Southern First Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.57% mean?
Southern First Bancshares (SFST) has a Return-on-Tangible-Equity of 10.57% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Southern First Bancshares and its competitors. This is near median its historical median of 10.11. Over the past decade, Southern First Bancshares' Return-on-Tangible-Equity has ranged from 4.42 to 18.46. According to the industry distribution chart, Southern First Bancshares ranks #897 out of 1523 companies in the Banks industry, placing it in the top 58.9%.
Is Southern First Bancshares' Return-on-Tangible-Equity too high?
Southern First Bancshares' current Return-on-Tangible-Equity of 10.57% is near median its 10-year median of 10.11. Over the past 10 years, this metric has ranged from a low of 4.42 to a high of 18.46. The Banks industry median Return-on-Tangible-Equity is 11.23. Southern First Bancshares' value of 10.57% is 5.9% below this industry median. Based on the distribution chart, Southern First Bancshares ranks #897 out of 1523 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' Return-on-Tangible-Equity compare to BWB and KRNY?
According to the Banks industry distribution chart, Southern First Bancshares ranks #897 out of 1523 companies for Return-on-Tangible-Equity. This places Southern First Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Southern First Bancshares' value of 10.57% is 5.9% below this benchmark. Historically, Southern First Bancshares' own Return-on-Tangible-Equity has ranged from 4.42 to 18.46 over the past decade. While the company's 10-year median is 10.11 vs. the industry median of 11.23, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.23, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 10.57% is 5.9% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — 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-Equity is 10.57%, which is near median its own 10-year median of 10.11. 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-Equity is 10.57%, which is near median its 10-year median of 10.11 and 5.9% below the Banks industry median of 11.23. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Return-on-Tangible-Equity is 10.57% 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-Equity: 10.57% (near median its 10-year median of 10.11)
GF Value™: $47.02 vs. price of $62.20 (32.3% above fair value)
Industry Position: 5.9% below the Banks median (#897 of 1523)
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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