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

SFST POWR Grades

• SFST scores best on the Sentiment dimension, with a Sentiment rank ahead of 88.98% of US stocks.
• SFST's strongest trending metric is Sentiment; it's been moving up over the last 26 weeks.
• SFST's current lowest rank is in the Growth metric (where it is better than 5.69% of US stocks).

SFST Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 13.05 for SOUTHERN FIRST BANCSHARES INC; that's greater than it is for 94.79% of US stocks.
• With a year-over-year growth in debt of 223.63%, SOUTHERN FIRST BANCSHARES INC's debt growth rate surpasses 96.03% of about US stocks.
• SOUTHERN FIRST BANCSHARES INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -72.45%, greater than the shareholder yield of just 5.64% of stocks in our set.
• Stocks that are quantitatively similar to SFST, based on their financial statements, market capitalization, and price volatility, are NWFL, WNEB, OPOF, CIVB, and EBMT.
• Visit SFST's SEC page to see the company's official filings. To visit the company's web site, go to www.southernfirst.com.

SFST Valuation Summary

• In comparison to the median Financial Services stock, SFST's price/sales ratio is 175% higher, now standing at 3.3.
• 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

The 4 year revenue growth rate now stands at 47.64%.
• Its 5 year net income to common stockholders growth rate is now at 87.8%.
• Its year over year revenue growth rate is now at 28.89%.

SFST's revenue has moved up $55,475,000 over the prior 67 months.

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.