SOUTHERN FIRST BANCSHARES
Southern First Bancshares (SFST) is a small‑capitalisation banking group (market cap US$345.64m) that operates in the regional banking sector. Investors should know its performance is typically driven by net interest margin, loan growth, deposit trends and credit quality rather than broad-market momentum. As a smaller bank, it can be more sensitive to local economic conditions, funding costs and regulatory changes. Key metrics to track include loan loss provisions, non-performing assets, capital ratios and deposit stability. Market capitalisation in this range often means lower liquidity and higher share-price volatility compared with larger banks. Income from interest and fee-based services can support earnings, but dividends — if paid — are subject to board discretion and regulatory limits. This summary aims to inform general research and is not personal investment advice; values can rise and fall and past performance is not a guarantee of future returns.
Stock Performance Snapshot
Analyst Rating
Analysts recommend buying Southern First Bancshares stock, anticipating a slight increase in value.
Financial Health
Southern First Bancshares shows strong revenue and cash flow, indicating solid financial performance.
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Baskets Featuring SFST
Riding The Southeast Consolidation Wave
The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.
Published: July 26, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Rate Sensitivity
Net interest margin and loan yields respond to interest-rate moves; this can lift earnings when rates rise but may compress margins if rates fall.
Credit Quality Watch
Loan performance and provisions are key; rising non-performing loans can erode profit and capital, especially during economic downturns.
Small-Cap Dynamics
Market capitalisation under US$500m often means higher volatility and lower liquidity; factor this into position sizing and risk tolerance.
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