Southern First Bancshares, Inc.
SFST scores 50.7 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -15.4 points significantly impact the ranking. Without these adjustments, SFST would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| SFST | 50.7 | 16.1 | 5.3% | 13.5% | $506M |
| CME | 84.9 | 27.2 | 9.9% | 57.5% | $112.1B |
| CINF | 82.4 | 10.7 | 11.4% | 18.9% | $25.8B |
| ACT | 81.9 | 8.9 | 2.4% | 54.6% | $6.1B |
| SEIC | 81.0 | 14.0 | 10.7% | 27.3% | $10.1B |
| TROW | 79.5 | 10.1 | 3.1% | 28.5% | $21.1B |
| FHB | 78.1 | 11.8 | 3.2% | 24.2% | $3.2B |
| MCHB | 77.4 | N/A | 123.7% | 23.2% | $3.3B |
| TRMK | 75.7 | 11.9 | 34.8% | 19.3% | $2.7B |
| BCAL | 74.4 | 9.9 | 26.2% | 27.1% | $605M |
| NMIH | 73.9 | 7.7 | 8.4% | 55.1% | $3.1B |
| TW | 73.1 | 30.0 | 18.9% | 39.6% | $26.2B |
| VCTR | 73.1 | 18.3 | 8.8% | 32.3% | $4.7B |
| FFIN | 73.1 | 18.8 | 11.7% | 30.7% | $4.8B |
| VLY | 72.5 | 12.5 | -2.2% | 17.1% | $7.4B |
| QQQX | 72.0 | 10.4 | 48.6% | 257.3% | $1.4B |
| Sector Average | 45.7 | 26.8 | 13.4% | -2.8% | โ |
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company provides other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. It operates through eight retail offices located in Greenville, Charleston, and Columbia; three retail offices located in Raleigh, Greensboro, and Charlotte markets; and one retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $58M | $59M | $56M | $53M |
| Gross Profit | $31M | $30M | $28M | $26M |
| Operating Income | $13M | $11M | $9M | $7M |
| Net Income | $10M | $9M | $7M | $5M |
| EPS (Diluted) | $1.21 | $1.07 | $0.81 | $0.65 |
| Gross Margin | 54.1% | 51.7% | 50.2% | 48.8% |
| Operating Margin | 22.2% | 19.3% | 15.4% | 13.1% |
| Net Margin | 17.1% | 14.8% | 11.8% | 10.0% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ it is a practical tradability overlay).
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $43.51 | $65.59 | 40.5% | Wide |
| 2022 | $41.05 | $65.38 | 45.7% | Wide |
| 2023 | $20.75 | $45.98 | 75.6% | Wide |
| 2024 | $24.98 | $45.91 | 59% | Wide |
| 2025 | $29.14 | $56.73 | 64.3% | Wide |
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.