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Southern First Bancshares, Inc.

SFST Finance Major Banks
$61.20
▲ +1.9% Today
as of Oct 23, 16:52 ET
Last 30 days -3.01% Sep 14 → Oct 23
$58.78 $60.05 $61.33 $62.60 $63.87 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$61.03
High
$61.69
Low
$60.67
Volume
$77,009
Avg Vol
$94,594
Mkt Cap
$567M
P/E (TTM)
17.29
Beta
—
52w High
$65.09
52w Low
$40.91
Div Yield
—
Shares Out
$9M

Recent Press Releases & News last 60 days · 6 items

Oct 21 · 01:10 Simply Wall St.
Southern First Bancshares (SFST) Stock Climbs On Q3 Earnings Strength
Oct 20 · 13:30 Zacks
Compared to Estimates, Southern First (SFST) Q3 Earnings: A Look at Key Metrics
Oct 20 · 12:45 Zacks
Southern First (SFST) Q3 Earnings Surpass Estimates
▸ Show all 6 press releases & news Free account →

SFST earnings at a glance

Southern First Bancshares, Inc. (SFST) is scheduled to report earnings on Tuesday, October 27, 2026 — in 3 days. Analysts expect earnings per share of $1.25, compared with $1.07 in the same quarter last year (+17%). The options market is pricing a move of about ±8.3% after the report, a range of roughly $56.14 to $66.26 from today's $61.20. Over its last 6 reports the stock rose the next day 6 times and fell 0, moving ±4.0% on average; after the most recent report on Jul 21, 2026 it moved +0.5%. That means options currently expect more movement than SFST has typically delivered. SFST beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 66%. The share price of $61.20 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$41
$65
84% of range
Avg surprise (last 6)
+10.1%
Avg reaction (last 6)
+4.0%
100% positive
Latest IV / EM
66%
EM ±8.3% · $60 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.31$0.53$0.76$0.98$1.21 Actual $0.33Actual $0.31Actual $0.51Actual $0.31Actual $0.37Actual $0.54Actual $0.65Est $0.61Actual $0.81Est $0.65Actual $1.07Est $0.89Actual $1.21Est $1.11Actual $1.19Est $1.20Actual $1.20Est $1.19 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8K8K
Revenue vs Net Income Revenue Net income
$0$3M$6M$9M$12M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jul 21, 20268K 2026-07-21 $1.20 $1.19 +0.8% — +0.5% earnings
Tue Apr 21, 20268K 2026-04-21 $1.19 $1.20 -0.8% — +0.6% earnings
Thu Jan 22, 20268K 2026-01-22 $1.21 $1.11 +9.0% — +3.4% earnings
Tue Oct 28, 2025Sep/2025 $1.07 $0.89 +20.2% — +6.1% earnings
Tue Jul 22, 2025Jun/2025 $0.81 $0.65 +24.6% — +9.1% earnings
Tue Apr 22, 2025Mar/2025 $0.65 $0.61 +6.6% — +4.1% earnings
Mon Sep 30, 2024Sep 2024 $0.54 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.37 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.31 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.51 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.31 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.33 — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Tue Oct 27, 2026Sep/2026OTHER $1.25$1.07 +16.8%

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$1M$1M—$2M$2M$1M—$1M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$11M$10M—$9M$7M$5M—$4M
EPS (diluted)$1.20$1.19—$1.07$0.81$0.65—$0.54

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$4.70B$4.58B$4.40B$4.36B$4.31B$4.28B$4.09B$4.17B
Long-term debt————————
Total liabilities$4.25B$4.20B$4.03B$4.00B$3.96B$3.95B$3.76B$3.85B
Total equity$452M$379M$369M$356M$345M$338M$330M$327M

Implied volatility — last 90 days

36%78%120%163%205% Jun 07 — IV 61% · EM ±8.4%Jun 08 — IV 62% · EM ±8.1%Jun 12 — IV 78% · EM ±8.0%Jun 19 — IV 42% · EM ±9.2%Jun 22 — IV 42% · EM ±8.9%Jun 23 — IV 41% · EM ±8.4%Jun 24 — IV 42% · EM ±8.3%Jun 25 — IV 43% · EM ±8.4%Jun 26 — IV 42% · EM ±8.1%Jun 29 — IV 47% · EM ±8.4%Jun 30 — IV 48% · EM ±8.3%Jul 01 — IV 53% · EM ±8.9%Jul 02 — IV 59% · EM ±9.5%Jul 03 — IV 61% · EM ±9.5%Jul 06 — IV 64% · EM ±8.8%Jul 07 — IV 63% · EM ±8.3%Jul 08 — IV 66% · EM ±8.3%Jul 09 — IV 68% · EM ±8.0%Jul 13 — IV 97% · EM ±8.1%Jul 14 — IV 128% · EM ±9.3%Jul 15 — IV 148% · EM ±8.7%Jul 16 — IV 188% · EM ±7.9%Jul 20 — IV 50% · EM ±11.9%Jul 21 — IV 39% · EM ±9.1%Jul 22 — IV 36% · EM ±8.2%Jul 23 — IV 37% · EM ±8.4%Jul 24 — IV 42% · EM ±9.3%Jul 27 — IV 40% · EM ±8.3%Jul 28 — IV 59% · EM ±12.2%Jul 29 — IV 57% · EM ±11.4%Jul 30 — IV 44% · EM ±8.6%Jul 31 — IV 57% · EM ±11.0%Aug 03 — IV 50% · EM ±8.9%Aug 04 — IV 41% · EM ±7.1%Aug 05 — IV 50% · EM ±8.4%Aug 06 — IV 50% · EM ±8.2%Aug 07 — IV 55% · EM ±8.5%Aug 10 — IV 62% · EM ±8.6%Aug 11 — IV 59% · EM ±7.8%Aug 12 — IV 64% · EM ±8.0%Aug 17 — IV 92% · EM ±7.7%Aug 20 — IV 206% · EM ±8.6%Aug 24 — IV 42% · EM ±8.7%Aug 25 — IV 59% · EM ±12.1%Aug 26 — IV 54% · EM ±10.9%Aug 27 — IV 50% · EM ±9.8%Aug 28 — IV 61% · EM ±11.7%Aug 31 — IV 56% · EM ±9.9%Sep 01 — IV 47% · EM ±8.1%Sep 02 — IV 53% · EM ±8.8%Sep 03 — IV 48% · EM ±7.8%Sep 04 — IV 51% · EM ±8.0%Sep 07 — IV 58% · EM ±8.0%Sep 08 — IV 65% · EM ±8.6%Sep 09 — IV 78% · EM ±9.7%Sep 10 — IV 75% · EM ±8.8%Sep 11 — IV 71% · EM ±7.8%Sep 14 — IV 97% · EM ±8.1%Sep 15 — IV 105% · EM ±7.6%Sep 16 — IV 141% · EM ±8.3%Sep 17 — IV 192% · EM ±8.0%Sep 21 — IV 48% · EM ±10.1%Sep 22 — IV 46% · EM ±9.4%Sep 23 — IV 43% · EM ±8.6%Sep 24 — IV 42% · EM ±8.2%Sep 25 — IV 43% · EM ±8.2%Sep 28 — IV 48% · EM ±8.5%Sep 29 — IV 48% · EM ±8.3%Oct 02 — IV 53% · EM ±8.2%Oct 05 — IV 59% · EM ±8.2%Oct 06 — IV 62% · EM ±8.2%Oct 07 — IV 66% · EM ±8.3%

Sector peers

BWB
Bridgewater Bancshares, Inc.
$564M $20.58+2.2%
CIVB
Civista Bancshares, Inc.
$553M $28.29+5.8%
UNTY
Unity Bancorp, Inc.
$548M $58.14+2.8%
FBIZ
First Business Financial Services, Inc.
$587M $72.43+2.2%
NPB
Northpointe Bancshares, Inc.
$538M $15.44+2.0%
BWFG
Bankwell Financial Group, Inc.
$521M $67.20+1.7%

SFST earnings FAQ

When is SFST's next earnings date?

Southern First Bancshares, Inc. is expected to report on October 27, 2026.

What is SFST's expected move for earnings?

Options currently price a move of about ±8.3%, or $5.06 per share either way from $61.20.

How does SFST stock usually react to earnings?

Across the last 6 reports the average next-day move was ±4.0%, up 6 times and down 0 times.

What EPS are analysts expecting from Southern First Bancshares, Inc.?

The consensus estimate is $1.25 per share, versus $1.07 a year ago.

What is SFST's implied volatility?

SFST's at-the-money implied volatility is about 66% based on the latest options snapshot.

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