SFST (Southern First Bancshares) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


SFST Southern First Bancshares Inc SFST
57 GF Score
Price $59.96
GF Value $47.08
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Southern First Bancshares Scaled Net Operating Assets?

Southern First Bancshares SFST +0.33% 57 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates SFST with a GF Score™ of 57/100 and a GF Value™ of $47.08 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southern First Bancshares's operating assets for the quarter that ended in Mar. 2026 was $4,463.8 Mil. Southern First Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $3,934.1 Mil. Southern First Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $4,403.5 Mil. Therefore, Southern First Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

SFST
57GF Score
Southern First Bancshares Inc SFST
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Southern First Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southern First Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4317.384-3769.934)/4087.593
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4403.494 - 86.11
=4317.384

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4034.837 - 264.903 - 0
=3769.934

Southern First Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(4463.826-3934.086)/4403.494
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4578.402 - 114.576
=4463.826

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4198.989 - 264.903 - 0
=3934.086

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
Southern First Bancshares (SFST) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Southern First Bancshares and its competitors.
Is Southern First Bancshares' Scaled Net Operating Assets too high?
Southern First Bancshares' current Scaled Net Operating Assets is 0.12. Overall, Southern First Bancshares has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' Scaled Net Operating Assets compare to NRIM and FFIC?
Southern First Bancshares' Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Southern First Bancshares and its competitors. Southern First Bancshares's current Scaled Net Operating Assets is 0.12. 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 $47.08, compared to a current price of $59.96 — trading 27.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Scaled Net Operating Assets is 0.12 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 $59.96 is trading 27.4% above its estimated GF Value™ of $47.08. GuruFocus considers Southern First Bancshares to be Modestly Overvalued.

Key valuation signals for SFST:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $47.08 vs. price of $59.96 (27.4% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$59.96
Price
$47.08
GF Value