Southern First Bancshares, Inc. (SFST): Price and Financial Metrics

SFST POWR Grades

• Momentum is the dimension where SFST ranks best; there it ranks ahead of 92.63% of US stocks.
• SFST's strongest trending metric is Stability; it's been moving down over the last 178 days.
• SFST's current lowest rank is in the Growth metric (where it is better than 20.77% of US stocks).

SFST Stock Summary

• SFST's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 93.2% of US stocks.
• With a year-over-year growth in debt of 166.6%, SOUTHERN FIRST BANCSHARES INC's debt growth rate surpasses 91.76% of about US stocks.
• The volatility of SOUTHERN FIRST BANCSHARES INC's share price is greater than that of only 14.81% US stocks with at least 200 days of trading history.
• Stocks that are quantitatively similar to SFST, based on their financial statements, market capitalization, and price volatility, are BMRC, CALB, FVCB, PWOD, and CASS.
• SFST's SEC filings can be seen here. And to visit SOUTHERN FIRST BANCSHARES INC's official web site, go to www.southernfirst.com.

SFST Valuation Summary

• SFST's EV/EBIT ratio is 7; this is 38.6% lower than that of the median Financial Services stock.
• Over the past 243 months, SFST's price/sales ratio has gone down 1.2.

Below are key valuation metrics over time for SFST.

SFST Growth Metrics

The year over year net income to common stockholders growth rate now stands at 71.35%.
• The 2 year cash and equivalents growth rate now stands at 5.74%.
• The 4 year revenue growth rate now stands at 50.26%.

Over the past 70 months, SFST's revenue has gone up $56,393,000.

The table below shows SFST's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	107.938	65.103	35.628
2022-06-30	113.165	58.601	41.232
2022-03-31	114.743	75.367	44.315
2021-12-31	117.233	78.069	46.711
2021-09-30	112.488	73.682	43.307
2021-06-30	97.198	52.38	31.507

SFST's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SFST has a Quality Grade of C, ranking ahead of 28.47% of graded US stocks.
• SFST's asset turnover comes in at 0.043 -- ranking 129th of 428 Banking stocks.
• UNTY, MRLN, and DFS are the stocks whose asset turnover ratios are most correlated with SFST.

The table below shows SFST's key quality metrics over time.