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

SFST POWR Grades

• Sentiment is the dimension where SFST ranks best; there it ranks ahead of 96.39% of US stocks.
• The strongest trend for SFST is in Momentum, which has been heading up over the past 179 days.
• SFST's current lowest rank is in the Quality metric (where it is better than 29.35% of US stocks).

SFST Stock Summary

• SFST's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 92.61% of US stocks.
• With a year-over-year growth in debt of -40.81%, Southern First Bancshares Inc's debt growth rate surpasses only 10.11% of about US stocks.
• In terms of twelve month growth in earnings before interest and taxes, Southern First Bancshares Inc is reporting a growth rate of 155.27%; that's higher than 87.05% of US stocks.
• Stocks with similar financial metrics, market capitalization, and price volatility to Southern First Bancshares Inc are NBN, FBK, BCML, CBTX, and CASH.
• 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

• In comparison to the median Financial Services stock, SFST's price/sales ratio is 233.33% higher, now standing at 4.
• SFST's EV/EBIT ratio has moved up 35.7 over the prior 243 months.
• SFST's price/sales ratio has moved down 2.7 over the prior 243 months.

Below are key valuation metrics over time for SFST.

SFST Growth Metrics

Its 5 year revenue growth rate is now at 70.6%.
• Its 2 year price growth rate is now at -36.64%.
• The 3 year price growth rate now stands at 43.73%.

Over the past 15 months, SFST's revenue has gone up $45,231,000.

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
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
2021-03-31	89.027	34.746	25.862
2020-12-31	77.563	20.619	18.328
2020-09-30	72.002	16.119	16.924

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.