SFST (Southern First Bancshares) 1-Year Sharpe Ratio: 2.47 (As of Jul. 18, 2026)

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SFST Southern First Bancshares Inc SFST
57 GF Score
Price $62.20
GF Value $47.02
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Southern First Bancshares 1-Year Sharpe Ratio?

Southern First Bancshares SFST -2.34% 57 1-Year Sharpe Ratio is 2.47 as of Jul. 18, 2026. 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.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-18), Southern First Bancshares's 1-Year Sharpe Ratio is 2.47.

Southern First Bancshares  (NAS:SFST) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Southern First Bancshares 1-Year Sharpe Ratio Related Terms

SFST vs BWB, KRNY, CBNK: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Southern First Bancshares's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Southern First Bancshares's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Southern First Bancshares's 1-Year Sharpe Ratio falls into.


SFST
57GF Score
Southern First Bancshares Inc SFST
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Southern First Bancshares 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 2.47 mean?
Southern First Bancshares (SFST) has a 1-Year Sharpe Ratio of 2.47 as of Jul. 18, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Southern First Bancshares and its competitors.
Is Southern First Bancshares' 1-Year Sharpe Ratio too high?
Southern First Bancshares' current 1-Year Sharpe Ratio is 2.47. 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' 1-Year Sharpe Ratio compare to BWB and KRNY?
Southern First Bancshares' 1-Year Sharpe Ratio of 2.47 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Southern First Bancshares and its competitors. Southern First Bancshares's current 1-Year Sharpe Ratio is 2.47. 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 1-Year Sharpe Ratio is 2.47. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current 1-Year Sharpe Ratio is 2.47 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:

  • 1-Year Sharpe Ratio: 2.47
  • GF Value™: $47.02 vs. price of $62.20 (32.3% above fair value)
  • GF Score™: 57/100 with 5 warning signs

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 Business Description

Address 6 Verdae Boulevard, Greenville, SC, USA, 29607
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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1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$62.20
Price
$47.02
GF Value