Earnings summaries and quarterly performance for SOUTHERN FIRST BANCSHARES.
Executive leadership at SOUTHERN FIRST BANCSHARES.
Board of directors at SOUTHERN FIRST BANCSHARES.
AB
Andrew B. Cajka, Jr.
Detailed
Director
AT
Anna T. Locke
Detailed
Director
AS
Anne S. Ellefson
Detailed
Director
DG
Darrin Goss, Sr.
Detailed
Director
DG
David G. Ellison
Detailed
Director
JB
James B. Orders, III
Detailed
Chair of the Board
JS
Jennifer S. Cluverius
Detailed
Director
LM
Leighton M. Cubbage
Detailed
Director
MA
Mark A. Cothran
Detailed
Director
RA
Ray A. Lattimore
Detailed
Director
RG
Rudolph G. Johnstone, III
Detailed
Director
TH
Tecumseh Hooper, Jr.
Detailed
Director
TG
Terry Grayson-Caprio
Detailed
Director
WA
William A. Maner, IV
Detailed
Director
WM
William M. McClatchey, Jr.
Detailed
Director
Research analysts covering SOUTHERN FIRST BANCSHARES.
Recent press releases and 8-K filings for SFST.
Southern First Bancshares Reports Strong Fourth Quarter 2025 Results
SFST
Earnings
Revenue Acceleration/Inflection
Guidance Update
- Southern First Bancshares reported diluted earnings per common share of $1.21 for Q4 2025, representing a 13% increase from Q3 2025 and a 73% increase compared to Q4 2024.
- The company's net interest margin expanded to 2.72% in Q4 2025, an increase of 10 basis points from Q3 2025 and 36 basis points over Q4 2024.
- Total loans grew to $3.8 billion, up 6% from Q4 2024, and total deposits reached $3.7 billion, an 8% increase from Q4 2024.
- Asset quality metrics included nonperforming assets to total assets at 0.32% and a Tangible Common Equity (TCE) ratio of 8.37% for Q4 2025.
- CEO Art Seaver highlighted Q4 2025 as the strongest financial performance of the year, driven by solid loan and deposit growth and an expanding net interest margin, expressing optimism for continued financial performance improvement in the new year.
Jan 22, 2026, 12:15 PM
Southern First Bancshares Reports Strong Fourth Quarter 2025 Results
SFST
Earnings
Revenue Acceleration/Inflection
- Southern First Bancshares, Inc. reported net income available to common shareholders of $9,857 thousand and diluted earnings per common share of $1.21 for the fourth quarter of 2025.
- The company's net interest margin expanded to 2.72% in Q4 2025, an increase from 2.62% in Q3 2025 and 2.25% in Q4 2024.
- Total loans grew to $3.8 billion (up 6% from Q4 2024) and total deposits reached $3.7 billion (up 8% from Q4 2024) by December 31, 2025.
- Nonperforming assets to total assets was 0.32% for Q4 2025.
- CEO Art Seaver highlighted the strong Q4 2025 performance, attributing it to solid loan growth, stronger client deposit growth, and an expanding net interest margin, while expressing optimism for continued financial performance improvement in the new year.
Jan 22, 2026, 12:00 PM
SFST Reports Strong Q4 2025 Financial Results
SFST
Earnings
Revenue Acceleration/Inflection
- Southern First Bancshares, Inc. (SFST) reported diluted earnings per common share of $1.21 for Q4 2025, a 73% increase compared to Q4 2024, and a Net Interest Margin (NIM) of 2.72%, up from 2.25% in Q4 2024.
- Revenue in Q4 2025 was 49% higher than Q1 2024, primarily bolstered by a consistently expanding margin and significant loan growth in 2025.
- The company's total loans reached $3.8 billion and total deposits $3.7 billion in Q4 2025, representing increases of 6% and 8% respectively from Q4 2024.
- SFST maintained strong asset quality with nonperforming assets at 0.32% and no net charge-offs. Capital levels were robust, with a Tangible Common Equity (TCE) ratio of 8.37% and a Tier 1 risk-based capital ratio of 11.44% in Q4 2025.
Jan 22, 2026, 12:00 PM
Southern First Bancshares Reports Strong Q3 2025 Earnings
SFST
Earnings
Revenue Acceleration/Inflection
Capital Ratios
- Southern First Bancshares, Inc. reported diluted earnings per common share of $1.07 for Q3 2025, representing a 32% increase from Q2 2025 and a 98% increase compared to Q3 2024.
- The company's net interest margin improved to 2.62% in Q3 2025, up from 2.50% in Q2 2025 and 2.08% in Q3 2024.
- Total loans reached $3.8 billion, growing 4% (annualized) from Q2 2025, while core deposits were $2.9 billion, up 2% (annualized).
- Asset quality remained strong with nonperforming assets to total assets at 0.27% and past due loans to total loans at 0.18% in Q3 2025.
- Book value per common share increased to $43.51, reflecting a 12% (annualized) rise from Q2 2025 and 9% compared to Q3 2024.
Nov 4, 2025, 11:00 AM
Southern First Bancshares Reports Strong Third Quarter 2025 Results
SFST
Earnings
Revenue Acceleration/Inflection
- Southern First Bancshares reported diluted earnings per common share of $1.07 for Q3 2025, marking a 32% increase from Q2 2025 and a 98% increase compared to Q3 2024.
- The company's net interest margin improved to 2.62% in Q3 2025, up from 2.50% for Q2 2025 and 2.08% for Q3 2024.
- Total loans reached $3.8 billion and core deposits were $2.9 billion as of Q3 2025, showing annualized growth of 4% and 2% respectively from Q2 2025.
- Book value per common share increased to $43.51, up 12% (annualized) from Q2 2025, and the Tangible Common Equity (TCE) ratio stood at 8.18%.
Oct 28, 2025, 11:15 AM
Southern First Bancshares Reports Strong Third Quarter 2025 Results
SFST
Earnings
Revenue Acceleration/Inflection
- Southern First Bancshares reported diluted earnings per common share of $1.07 for Q3 2025, marking a 32% increase from Q2 2025 and a 98% increase compared to Q3 2024.
- The company's net interest margin expanded to 2.62% in Q3 2025, up from 2.50% in Q2 2025 and 2.08% in Q3 2024.
- Total loans grew to $3.8 billion (up 4% annualized from Q2 2025) and core deposits reached $2.9 billion (up 2% annualized from Q2 2025).
- Asset quality remained strong with nonperforming assets to total assets at 0.27% for Q3 2025.
- Book value per common share increased to $43.51, an annualized 12% increase from Q2 2025.
Oct 28, 2025, 11:00 AM
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