Southern First Bancshares Net Income
| SFST Stock | USD 59.66 0.84 1.43% |
As of the 19th of February, Southern First has the Coefficient Of Variation of 605.96, semi deviation of 1.69, and Risk Adjusted Performance of 0.1367. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Southern First Bancshares, as well as the relationship between them.
Southern First Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 6.3942 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 17.9 M | 10.3 M | |
| Net Income Applicable To Common Shares | 33.5 M | 35.2 M | |
| Net Income From Continuing Ops | 17.9 M | 17.9 M | |
| Net Income Per Share | 3.77 | 3.96 | |
| Net Income Per E B T | 0.77 | 0.81 |
Southern | Net Income | Build AI portfolio with Southern Stock |
The evolution of Net Income for Southern First Bancshares provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Southern First compares to historical norms and industry peers.
Latest Southern First's Net Income Growth Pattern
Below is the plot of the Net Income of Southern First Bancshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Southern First Bancshares financial statement analysis. It represents the amount of money remaining after all of Southern First Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Southern First's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Southern First's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 15.53 M | 10 Years Trend |
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Net Income |
| Timeline |
Southern Net Income Regression Statistics
| Arithmetic Mean | 16,995,900 | |
| Coefficient Of Variation | 75.31 | |
| Mean Deviation | 10,303,529 | |
| Median | 13,426,000 | |
| Standard Deviation | 12,798,979 | |
| Sample Variance | 163.8T | |
| Range | 47.2M | |
| R-Value | 0.77 | |
| Mean Square Error | 71.8T | |
| R-Squared | 0.59 | |
| Significance | 0.0003 | |
| Slope | 1,945,361 | |
| Total Sum of Squares | 2621T |
Southern Net Income History
Other Fundumenentals of Southern First Bancshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Southern First Net Income component correlations
Southern Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Southern First is extremely important. It helps to project a fair market value of Southern Stock properly, considering its historical fundamentals such as Net Income. Since Southern First's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Southern First's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Southern First's interrelated accounts and indicators.
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Is there potential for Regional Banks market expansion? Will Southern introduce new products? Factors like these will boost the valuation of Southern First. If investors know Southern will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about Southern First listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.752 | Earnings Share 3.75 | Revenue Per Share | Quarterly Revenue Growth 0.226 | Return On Assets |
Investors evaluate Southern First Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Southern First's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Southern First's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Southern First's value and its price as these two are different measures arrived at by different means. Investors typically determine if Southern First is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Southern First's market price signifies the transaction level at which participants voluntarily complete trades.
Southern First 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Southern First's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Southern First.
| 11/21/2025 |
| 02/19/2026 |
If you would invest 0.00 in Southern First on November 21, 2025 and sell it all today you would earn a total of 0.00 from holding Southern First Bancshares or generate 0.0% return on investment in Southern First over 90 days. Southern First is related to or competes with West Bancorporation, US Century, Carter Bank, Greene County, Pioneer Bancorp, Bankwell Financial, and Kearny Financial. Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banki... More
Southern First Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Southern First's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Southern First Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.87 | |||
| Information Ratio | 0.1417 | |||
| Maximum Drawdown | 13.26 | |||
| Value At Risk | (2.14) | |||
| Potential Upside | 3.36 |
Southern First Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Southern First's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Southern First's standard deviation. In reality, there are many statistical measures that can use Southern First historical prices to predict the future Southern First's volatility.| Risk Adjusted Performance | 0.1367 | |||
| Jensen Alpha | 0.2903 | |||
| Total Risk Alpha | 0.2274 | |||
| Sortino Ratio | 0.1519 | |||
| Treynor Ratio | 0.3943 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Southern First's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Southern First February 19, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1367 | |||
| Market Risk Adjusted Performance | 0.4043 | |||
| Mean Deviation | 1.4 | |||
| Semi Deviation | 1.69 | |||
| Downside Deviation | 1.87 | |||
| Coefficient Of Variation | 605.96 | |||
| Standard Deviation | 2.0 | |||
| Variance | 4.0 | |||
| Information Ratio | 0.1417 | |||
| Jensen Alpha | 0.2903 | |||
| Total Risk Alpha | 0.2274 | |||
| Sortino Ratio | 0.1519 | |||
| Treynor Ratio | 0.3943 | |||
| Maximum Drawdown | 13.26 | |||
| Value At Risk | (2.14) | |||
| Potential Upside | 3.36 | |||
| Downside Variance | 3.48 | |||
| Semi Variance | 2.84 | |||
| Expected Short fall | (1.76) | |||
| Skewness | (0.77) | |||
| Kurtosis | 4.34 |
Southern First Bancshares Backtested Returns
Southern First appears to be very steady, given 3 months investment horizon. Southern First Bancshares owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.17, which indicates the firm had a 0.17 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Southern First Bancshares, which you can use to evaluate the volatility of the company. Please review Southern First's Semi Deviation of 1.69, risk adjusted performance of 0.1367, and Coefficient Of Variation of 605.96 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Southern First holds a performance score of 13. The entity has a beta of 0.81, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, Southern First's returns are expected to increase less than the market. However, during the bear market, the loss of holding Southern First is expected to be smaller as well. Please check Southern First's sortino ratio, semi variance, as well as the relationship between the Semi Variance and rate of daily change , to make a quick decision on whether Southern First's existing price patterns will revert.
Auto-correlation | 0.19 |
Very weak predictability
Southern First Bancshares has very weak predictability. Overlapping area represents the amount of predictability between Southern First time series from 21st of November 2025 to 5th of January 2026 and 5th of January 2026 to 19th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Southern First Bancshares price movement. The serial correlation of 0.19 indicates that over 19.0% of current Southern First price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.19 | |
| Spearman Rank Test | 0.35 | |
| Residual Average | 0.0 | |
| Price Variance | 6.12 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Southern Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Southern First Bancshares reported net income of 15.53 M. This is 98.78% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.28% higher than that of the company.
Southern Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Southern First's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Southern First could also be used in its relative valuation, which is a method of valuing Southern First by comparing valuation metrics of similar companies.Southern First is currently under evaluation in net income category among its peers.
Southern First ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Southern First's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Southern First's managers, analysts, and investors.Environmental | Governance | Social |
Southern First Institutional Holders
Institutional Holdings refers to the ownership stake in Southern First that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Southern First's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Southern First's value.| Shares | Alliancebernstein L.p. | 2025-06-30 | 157.4 K | Fourthstone Llc | 2025-06-30 | 129.2 K | American Century Companies Inc | 2025-06-30 | 98.6 K | Renaissance Technologies Corp | 2025-06-30 | 96.4 K | Northern Trust Corp | 2025-06-30 | 74.6 K | Goldman Sachs Group Inc | 2025-06-30 | 58.3 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 56.1 K | Bridgeway Capital Management, Llc | 2025-06-30 | 52.1 K | Acadian Asset Management Llc | 2025-06-30 | 50.7 K | T. Rowe Price Investment Management,inc. | 2025-06-30 | 808.4 K | Fj Capital Management Llc | 2025-06-30 | 807.2 K |
Southern Fundamentals
| Return On Equity | 0.0869 | ||||
| Return On Asset | 0.0072 | ||||
| Profit Margin | 0.26 % | ||||
| Operating Margin | 0.44 % | ||||
| Current Valuation | 485.31 M | ||||
| Shares Outstanding | 8.22 M | ||||
| Shares Owned By Insiders | 6.31 % | ||||
| Shares Owned By Institutions | 83.50 % | ||||
| Number Of Shares Shorted | 54.5 K | ||||
| Price To Earning | 15.02 X | ||||
| Price To Book | 1.33 X | ||||
| Price To Sales | 4.26 X | ||||
| Revenue | 224.62 M | ||||
| Gross Profit | 115.14 M | ||||
| EBITDA | 39.6 M | ||||
| Net Income | 15.53 M | ||||
| Cash And Equivalents | 160.61 M | ||||
| Cash Per Share | 20.08 X | ||||
| Total Debt | 264.9 M | ||||
| Debt To Equity | 11.92 % | ||||
| Book Value Per Share | 44.89 X | ||||
| Cash Flow From Operations | 25.56 M | ||||
| Short Ratio | 1.10 X | ||||
| Earnings Per Share | 3.75 X | ||||
| Price To Earnings To Growth | 2.31 X | ||||
| Target Price | 64.0 | ||||
| Number Of Employees | 297 | ||||
| Beta | 0.76 | ||||
| Market Capitalization | 490.19 M | ||||
| Total Asset | 4.4 B | ||||
| Retained Earnings | 251.44 M | ||||
| Net Asset | 4.4 B |
About Southern First Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Southern First Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Southern First using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Southern First Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for Southern Stock Analysis
When running Southern First's price analysis, check to measure Southern First's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Southern First is operating at the current time. Most of Southern First's value examination focuses on studying past and present price action to predict the probability of Southern First's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Southern First's price. Additionally, you may evaluate how the addition of Southern First to your portfolios can decrease your overall portfolio volatility.