SFST
Southern First Bancshares, Inc.55.26
-0.24-0.42%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
452.53MP/E (TTM)
17.11Basic EPS (TTM)
3.23Dividend Yield
0%Recent Filings
10-Q
8-K
Q3 earnings soar 98% YoY
Southern First Bancshares reported third-quarter 2025 net income of $8.7 million, or $1.07 per diluted share, up 32% from Q2 and 98% from Q3 2024, fueled by net interest income surging to $27.5 million on a 2.62% margin—12 basis points higher than last quarter. Loans hit $3.8 billion, up 4% annualized, while core deposits reached $2.9 billion; asset quality stayed solid at 0.27% nonperformers. Momentum builds. Yet provisions for credit losses rose to $850 thousand amid past-due upticks.
10-Q
Q2 FY2025 results
Southern First Bancshares posted solid Q2 FY2025 results, with net interest income climbing 29.5% year-over-year to $25.3 million, fueled by a 60 basis point drop in deposit costs to 3.43% while loan yields edged up 14 basis points to 5.28%; quarter-over-quarter, it rose from $23.4 million (derived). Gross margin isn't applicable here, but the net interest margin expanded 52 basis points to 2.50%. Operating income hit $8.6 million, up from $3.9 million a year ago, with diluted EPS steady at $0.81 on 8.13 million shares, reconciling cleanly to net income of $6.6 million. Cash swelled to $271.0 million, free cash flow isn't disclosed in the 10-Q, and debt stayed flat at $264.9 million with full revolver availability. Loan growth drove the $1.1 million provision for credit losses year-to-date. Yet competition in deposit pricing remains a drag.
8-K
Q2 earnings soar 119% YoY
Southern First Bancshares reported Q2 2025 net income of $6.6 million, or $0.81 per diluted share, up 25% from Q1 and 119% from Q2 2024, fueled by net interest income surging 30% year-over-year to $25.3 million on a 2.50% margin. Loans hit $3.7 billion, up 7% annualized, while core deposits reached $2.9 billion with the same growth pace; asset quality shines at 0.27% nonperformers. Strong pipelines signal continued expansion, yet economic shifts loom large.
8-K
Board approves $5M buyback
Southern First Bancshares' board authorized a share repurchase plan for up to $5 million of its common stock, roughly 2% of outstanding shares, announced June 17, 2025. Management can buy back via open market or private deals, guided by stock price and market conditions. This signals confidence in capital management. Repurchases halt after March 22, 2026 without fresh approvals.
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