SFST
Southern First Bancshares, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Neutral
+19/100
Last price
60.44
▼ 0.23 (0.38%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
60.50
Prev close
60.67
Day high
61.32
Day low
60.38
Volume
80.39K
Market cap
$572.47M
P/E (TTM)
13.11
52W range
40.90 – 65.09
Day trading desk
Gap from prior close
-0.28%
Prior close 60.67
VWAP
60.60
-0.26% from price
Relative volume
1.47×
Normal
Session range
1.56%
60.38 – 61.32
Position in range
6%
Near session low
ATR (14D)
1.27
2.10% of price
Prior day high
61.10
PDH
Prior day low
60.43
PDL
Bid / ask spread
—
Quote not published
Session volume
148.84K
Avg 101.21K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.49%
-0.5%
1M
-5.09%
-6.2%
3M
+1.65%
-2.9%
6M
+7.72%
-10.5%
YTD
+17.31%
+3.1%
1Y
+37.61%
+21.2%
3Y
+124.35%
+42.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on SFST open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-17.69K
Net selling
Buy transactions
20
18.69K shares
Sell transactions
9
36.38K shares
Net transactions
+29
Buys less sells
Sell : buy shares
1.9 : 1
Mixed
Insider-held shares
487.61K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 18, 26 | ORDERS JAMES B III Director |
SELL | 8.04K | $499.17K | Direct |
| Sep 14, 26 | LOCKE ANNA T Director |
BUY | 300 | $18.98K | Direct |
| Sep 3, 26 | CUBBAGE LEIGHTON M Director |
SELL | 2.17K | $134.35K | Direct |
| Aug 28, 26 | CUBBAGE LEIGHTON M Director |
SELL | 400 | $25.20K | Direct |
| Aug 25, 26 | CUBBAGE LEIGHTON M Director |
SELL | 750 | $47.27K | Direct |
| Aug 12, 26 | SEAVER R ARTHUR JR Chief Executive Officer |
CONVERSION | 10.43K | $410.79K | Direct |
| Aug 12, 26 | SEAVER R ARTHUR JR Chief Executive Officer |
SELL | 21.00K | $1.34M | Direct |
| Aug 4, 26 | FAIRCHILD JULIE ANN Officer |
CONVERSION | 1.50K | $95.17K | Direct |
| Aug 4, 26 | FAIRCHILD JULIE ANN Officer |
CONVERSION | 1.50K | $53.48K | Direct |
| Aug 3, 26 | FAIRCHILD JULIE ANN Officer |
SELL | 1.50K | $94.50K | Direct |
| Aug 3, 26 | FAIRCHILD JULIE ANN Officer |
SELL | 1.50K | $94.50K | Direct |
| Jun 23, 26 | LATTIMORE RAY A. Director |
SELL | 253 | $15.00K | Direct |
| Jun 10, 26 | CUBBAGE LEIGHTON M Director |
SELL | 765 | $46.36K | Direct |
| Jun 1, 26 | HOOPER TECUMSEH JR. Director |
STOCK | 310 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
AIKEN WILLIAM M III |
Officer | 13.82K | Stock Award(Grant) |
CAJKA ANDREW B JR |
Director | 12.70K | Stock Award(Grant) |
COTHRAN MARK A |
Director | 100.39K | Stock Award(Grant) |
CUBBAGE LEIGHTON M |
Director | 46.60K | Sale |
ELLISON DAVID GAILLARD |
Director | 49.97K | Stock Award(Grant) |
HOOPER TECUMSEH JR. |
Director | 43.19K | Stock Award(Grant) |
HURST CALVIN C |
President | 18.38K | Stock Award(Grant) |
JOHNSTONE RUDOLPH G III |
Director | 30.68K | Stock Award(Grant) |
ORDERS JAMES B III |
Director | 49.76K | Sale |
SEAVER R ARTHUR JR |
Chief Executive Officer | 92.03K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$572.47M
Enterprise value$490.96M
Revenue (TTM)$128.81M
Gross profit$128.81M
EBITDA—
Net income$39.60M
EPS (TTM)$4.61
Free cash flow—
Total cash$361.77M
Total debt$280.26M
Book value / share$47.77
Shares outstanding9.47M
Float7.45M
Short % of float4.62%
Dividend yield0.00%
Beta (5Y)0.72
Valuation & profitability ratios
Trailing P/E13.11
Forward P/E9.79
PEG ratio—
Price / sales—
Price / book1.27
EV / revenue3.81
EV / EBITDA—
Gross margin0.00%
Operating margin43.95%
Profit margin30.74%
Return on equity9.93%
Return on assets0.88%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $118.09M | $93.36M | $87.51M | $107.59M | +26.5% |
| Operating revenue | $118.09M | $93.36M | $87.51M | $107.59M | +26.5% |
| Selling, general & admin | $50.21M | $48.98M | $45.40M | $41.69M | +2.5% |
| Pre-tax income | $39.60M | $19.91M | $17.43M | $38.11M | +98.9% |
| Tax provision | $9.24M | $4.38M | $4.00M | $9.00M | +110.8% |
| Net income | $30.37M | $15.53M | $13.43M | $29.11M | +95.5% |
| Net income to common | $30.37M | $15.53M | $13.43M | $29.11M | +95.5% |
| Basic EPS | 3.77 | 1.92 | 1.67 | 3.66 | +96.4% |
| Diluted EPS | 3.75 | 1.91 | 1.66 | 3.61 | +96.3% |
| Basic shares | 8.05M | 8.08M | 8.05M | 7.96M | -0.4% |
| Diluted shares | 8.09M | 8.12M | 8.08M | 8.07M | -0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $86.11M | $34.41M | $36.82M | $69.60M | +150.2% |
| Property, plant & equipment | $83.47M | $88.79M | $94.30M | $99.18M | -6.0% |
| Total assets | $4.40B | $4.09B | $4.06B | $3.69B | +7.7% |
| Long-term debt | $264.90M | $264.90M | $311.32M | $211.21M | 0.0% |
| Total debt | $264.90M | $264.90M | $311.32M | $211.21M | 0.0% |
| Total liabilities | $4.03B | $3.76B | $3.74B | $3.40B | +7.4% |
| Retained earnings | $251.44M | $221.08M | $205.55M | $192.12M | +13.7% |
| Shareholder equity | $368.66M | $330.44M | $312.47M | $294.51M | +11.6% |
| Net tangible assets | $368.66M | $330.44M | $312.47M | $294.51M | +11.6% |
| Shares issued | 8.21M | 8.16M | 8.09M | 8.01M | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $30.37M | $15.53M | $13.43M | $29.11M | +95.5% |
| Depreciation & amortisation | $4.31M | $4.81M | $4.82M | $3.70M | -10.5% |
| Stock-based compensation | $2.27M | $2.28M | $1.94M | $2.03M | -0.5% |
| Change in working capital | -$3.38M | -$345.00K | -$576.00K | -$1.40M | -879.4% |
| Operating cash flow | $30.46M | $25.56M | $17.65M | $50.30M | +19.2% |
| Capital expenditure | -$581.00K | -$785.00K | -$1.24M | -$13.95M | +26.0% |
| Investing cash flow | -$206.33M | -$28.86M | -$378.57M | -$792.58M | -614.9% |
| Financing cash flow | $282.60M | $9.99M | $346.22M | $745.94M | +2,727.4% |
| Free cash flow | $29.88M | $24.77M | $16.41M | $36.35M | +20.6% |
| End cash position | $269.58M | $162.86M | $156.17M | $170.87M | +65.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $35.88M | $33.80M | $31.84M | $31.13M | $28.63M | +6.2% |
| Operating revenue | $35.88M | $33.80M | $31.84M | $31.13M | $28.63M | +6.2% |
| Selling, general & admin | $13.53M | $13.27M | $11.87M | $12.67M | $12.98M | +2.0% |
| Pre-tax income | $14.46M | $12.48M | $12.77M | $11.33M | $8.59M | +15.8% |
| Tax provision | $3.27M | $2.60M | $2.91M | $2.67M | $2.01M | +25.7% |
| Net income | $11.20M | $9.89M | $9.86M | $8.66M | $6.58M | +13.2% |
| Net income to common | $11.20M | $9.89M | $9.86M | $8.66M | $6.58M | +13.2% |
| Basic EPS | 1.22 | 1.21 | 1.23 | 1.08 | 0.81 | +0.8% |
| Diluted EPS | 1.20 | 1.19 | 1.21 | 1.07 | 0.81 | +0.8% |
| Basic shares | 9.19M | 8.16M | 8.04M | 8.03M | 8.12M | +12.5% |
| Diluted shares | 9.32M | 8.29M | 8.12M | 8.08M | 8.13M | +12.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $102.58M | $114.54M | $86.11M | $104.37M | $90.20M | -10.4% |
| Property, plant & equipment | $88.01M | $88.58M | $83.47M | $84.59M | $85.92M | -0.6% |
| Total assets | $4.70B | $4.58B | $4.40B | $4.36B | $4.31B | +2.7% |
| Long-term debt | $253.40M | $264.90M | $264.90M | $264.90M | $264.90M | -4.3% |
| Total debt | $253.40M | $264.90M | $264.90M | $264.90M | $264.90M | -4.3% |
| Total liabilities | $4.25B | $4.20B | $4.03B | $4.00B | $3.96B | +1.2% |
| Retained earnings | $272.52M | $261.33M | $251.44M | $241.59M | $232.92M | +4.3% |
| Shareholder equity | $452.27M | $379.41M | $368.66M | $356.35M | $345.46M | +19.2% |
| Net tangible assets | $452.27M | $379.41M | $368.66M | $356.35M | $345.46M | +19.2% |
| Shares issued | 9.47M | 8.25M | 8.21M | 8.19M | 8.18M | +14.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $11.20M | $9.89M | $9.86M | $8.66M | $6.58M | +13.2% |
| Depreciation & amortisation | $956.00K | $945.00K | $988.00K | $1.02M | $1.13M | +1.2% |
| Stock-based compensation | $702.00K | $623.00K | $591.00K | $539.00K | $605.00K | +12.7% |
| Change in working capital | -$850.00K | $238.00K | -$10.12M | -$535.00K | $556.00K | -457.1% |
| Operating cash flow | $18.05M | $10.77M | -$2.09M | $14.49M | $10.47M | +67.5% |
| Capital expenditure | -$1.32M | -$280.00K | -$272.00K | -$88.00K | -$80.00K | -370.0% |
| Investing cash flow | -$111.15M | -$94.89M | -$52.51M | -$43.20M | -$60.21M | -17.1% |
| Financing cash flow | $111.96M | $157.31M | $41.27M | $40.59M | $15.71M | -28.8% |
| Free cash flow | $16.73M | $10.49M | -$2.36M | $14.40M | $10.39M | +59.4% |
| End cash position | $361.63M | $342.78M | $269.58M | $282.90M | $271.03M | +5.5% |
Options analytics
Put / call volume
0.56
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
55.00
-9.0% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
+109.0%
Puts bid over calls
Call volume
9
Contracts, this expiry
Put volume
5
Contracts, this expiry
Heaviest call OI
30.00
0 contracts
Heaviest put OI
55.00
1 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.19 | 1.20 | +0.8% |
| Mar 2026 | 1.23 | 1.19 | -3.3% |
| Dec 2025 | 1.11 | 1.21 | +9.0% |
| Sep 2025 | 0.89 | 1.07 | +20.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.26 | 2 | $37.60M | +20.8% |
| Next quarter | 1.36 | 2 | $39.10M | +22.8% |
| Current year | 5.00 | 2 | $146.40M | +24.0% |
| Next year | 6.18 | 2 | $172.30M | +17.7% |
Analyst targets & ownership
Mean target$68.50
High target$70.00
Low target$67.00
Implied upside13.34%
Analyst count2
ConsensusNONE
Strong buy / Buy1 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders5.15%
Held by institutions91.52%
Institutions holding216
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
60.12
+0.53% from price
SMA 20
61.15
-1.17% from price
SMA 50
62.22
-2.87% from price
SMA 100
60.86
-0.70% from price
SMA 200
58.18
+3.89% from price
EMA 12
60.54
-0.17% from price
EMA 26
61.14
-1.14% from price
EMA 50
61.38
-1.53% from price
RSI (14)
44.9
Neutral
MACD (12,26,9)
-0.59
Hist -0.00
ATR (14)
1.27
2.10% of price
Realised vol 30D
19.6%
Annualised
Bollinger upper
63.75
20, 2σ
Bollinger lower
58.56
20, 2σ
50 / 200 cross
Golden
62.22 vs 58.18
Trend bias
Above 200
+3.89%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.53
Less volatile than market
Correlation to SPY
0.23
Largely independent
Realised vol 30D
19.6%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.1%
Peak to trough
Max drawdown 5Y
-67.2%
Peak to trough
ATR 14
1.27
2.10% of price
Beta (reported)
0.72
5Y monthly, from filing
Short interest
Shares short
414.14K
Prior 359.36K
Change vs prior
+15.2%
Shorts adding
% of float
4.62%
Normal
% of shares out
4.37%
Against total outstanding
Days to cover
4.3
Liquid
Float
7.45M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Feb 5, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 23, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jan 3, 24 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Aug 1, 22 | DA Davidson | DOWNGRADE | Buy | Neutral |
| Mar 16, 21 | Janney Montgomery Scott | DOWNGRADE | Buy | Neutral |
| Jun 26, 18 | Piper Sandler | DOWNGRADE | Buy | Hold |
| Nov 29, 16 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
| Jul 27, 16 | Keefe, Bruyette & Woods | MAINTAINED | — | Outperform |
| Aug 20, 15 | Keefe, Bruyette & Woods | MAINTAINED | — | Outperform |
| Feb 2, 15 | Keefe, Bruyette & Woods | MAINTAINED | — | Outperform |
| Jan 28, 15 | Piper Sandler | DOWNGRADE | Buy | — |
| Aug 21, 13 | Piper Sandler | INITIATED | — | Hold |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split11:10
Split dateJan 30, 2013
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-28
Periodic Financial Reports
10-Q · 2026-08-03
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-06-02
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-01
Corporate Changes & Voting Matters
8-K · 2026-04-21
Corporate Changes & Voting Matters
8-K · 2026-04-15
Headlines
Southern First Bancshares Insider Sold Shares Worth $499,171, According to a Recent SEC Filing
MT Newswires · 15d ago
Southern First (SFST) Upgraded to Strong Buy: Here's What You Should Know
Zacks · 76d ago
What Makes Southern First (SFST) a Strong Momentum Stock: Buy Now?
Zacks · 76d ago
Compared to Estimates, Southern First (SFST) Q2 Earnings: A Look at Key Metrics
Zacks · 78d ago
Southern First (SFST) Q2 Earnings Surpass Estimates
Zacks · 78d ago
Southern First: Q2 Earnings Snapshot
Associated Press · 78d ago
Southern First Reports Second Quarter 2026 Results
PR Newswire · 78d ago
BayFirst Rallies 16% in a Month: Should You Buy the Stock?
Zacks · 82d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.