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Southern First Bancshares Financial Ratios 2025-2008 | SFST
Brief overview of Southern First Bancshares's financial ratios
The review covers five available annual periods spanning 2021 to 2025.
Key multiples at the end of the period are P/E 15.78x (median 15.78x), P/B 1.3x (median 1.13x), P/CF 15.74x (median 10.59x). The current ratio basket stands about 15.1% above the five-year base, increasing sensitivity to weak reports.
The 1/P/E calculation produces a 6.3% earnings yield. It does not capture future growth or capital structure.
Returns on assets and capital are represented by ROE 8.2%, ROA 0.7%, ROCE 11.5%. Efficiency ratios are restrained, with capital and assets producing modest returns.
Price, earnings and growth produce a PEG of 0.5x. A value below one indicates moderate pricing relative to expected growth.
For this sector, valuation ratios are useful only alongside capital adequacy, reserves and credit-portfolio quality.
What the ratios show
Southern First Bancshares's valuation is above historical references while efficiency remains restrained, increasing sensitivity to weak reports.
Annual Financial Ratios Southern First Bancshares
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
15.8 | 17.4 | 19.5 | 11.4 | 10.5 | 14.9 | 11.2 | 12.2 | 23.4 | 17.4 | 13.8 | 13.2 | 11.1 | 10.5 | 12.2 | 29102.3 | 13504.3 | - |
P/S |
76.3 | 48.7 | 64.9 | 79.2 | 43.1 | 13.8 | 3.7 | 3.9 | 5.1 | 4.2 | 3.0 | 2.2 | 1.7 | 1.4 | 1.0 | - | - | - |
EPS |
3.8 | 1.9 | 1.7 | 3.7 | 6.0 | 2.4 | 3.7 | 3.0 | 1.9 | 2.1 | 1.6 | 1.1 | 1.0 | 0.7 | 0.2 | -0.1 | 0.1 | - |
EV (Enterprise Value) |
4.24 B | 3.86 B | 3.85 B | 3.72 B | 2.97 B | 2.43 B | 2.24 B | 1.93 B | 1.69 B | 1.41 B | 1.2 B | 993 M | 843 M | 745 M | 708 M | 26.5 B | 19.2 B | -13.2 M |
EBITDA per Share |
0.53 | 0.58 | 0.58 | 0.46 | 0.3 | 0.28 | 3.85 | - | - | - | - | - | - | - | - | - | - | - |
EV/EBITDA |
987.1 | 822.3 | 819.0 | 1006.6 | 1348.5 | - | 14.1 | - | - | - | - | - | - | - | - | 31095.5 | 26197.7 | - |
PEG |
1.01 | -14.12 | - | - | - | -0.47 | 0.5 | 0.2 | -2.41 | 0.68 | 0.32 | 1.03 | 0.19 | 0.06 | 0.04 | - | - | - |
P/B |
1.3 | 0.8 | 0.8 | 1.1 | 1.8 | 1.2 | 1.5 | 1.6 | 2.0 | 2.1 | 1.5 | 1.1 | 0.9 | 0.6 | 0.4 | 437.4 | - | - |
P/CF |
15.7 | 10.6 | 14.8 | 6.6 | 6.3 | 13.2 | 31.6 | 9.1 | 25.8 | 19.4 | 9.1 | 34.7 | 7.2 | 4.3 | 2.9 | - | - | - |
ROE % |
8.24 | 4.70 | 4.30 | 9.89 | 16.81 | 8.03 | 13.53 | 12.82 | 8.71 | 11.86 | 10.79 | 7.98 | 7.80 | 6.02 | 3.34 | 1.50 | 2.37 | - |
ROA % |
0.69 | 0.38 | 0.33 | 0.79 | 1.60 | 0.74 | 1.23 | 1.17 | 0.80 | 0.97 | 0.84 | 0.64 | 0.57 | 0.48 | 0.27 | 0.12 | - | - |
ROCE % |
- | - | - | - | - | - | 11.52 | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 1.1 | - | - |
All numbers in USD currency
Quarterly Financial Ratios Southern First Bancshares
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
1.22 | 1.21 | 1.08 | 0.81 | 0.65 | - | 0.54 | 0.37 | 0.31 | - | 0.51 | 0.31 | 0.34 | - | 1.06 | 0.91 | 1 | - | 1.78 | 1.32 | 1.33 | - | 0.29 | 0.61 | 0.37 | - | 0.98 | 0.97 | 0.81 | - | 0.78 | 0.75 | 0.71 | - | 0.58 | 0.52 | 0.48 | 0.52 | 0.54 | 0.52 | 0.48 | 0.46 | 0.44 | 0.41 | 0.33 | 0.32 | 0.33 | 0.28 | 0.23 | 0.29 | 0.29 | 0.26 | 0.18 | 0.22 | 0.2 | 0.14 | 0.09 | 0.04 | 0.05 | 0.08 | 0.06 |
EBITDA per Share |
0.21 | 0.12 | - | - | 0.14 | - | - | - | 0.15 | - | - | - | 0.15 | - | 0.32 | - | 0.07 | - | 0.21 | - | 0.07 | - | 0.2 | 0.14 | 0.07 | - | 0.18 | 0.12 | 0.06 | - | 0.18 | 0.12 | 0.05 | - | 0.14 | 0.1 | 0.05 | - | 0.15 | 0.1 | 0.05 | - | 0.16 | 0.11 | 0.05 | - | 0.19 | 0.12 | 0.06 | - | 0.21 | 0.14 | 0.07 | - | 0.17 | 0.12 | 0.06 | - | 0.16 | 0.1 | 0.05 |
ROE % |
9.42 | 8.50 | 7.24 | 5.75 | 4.64 | 3.08 | 4.43 | 3.90 | 3.87 | 3.07 | 5.99 | 7.20 | 9.25 | 8.35 | 13.62 | 14.80 | 16.57 | 13.71 | 14.68 | 11.45 | 8.59 | 4.26 | 7.86 | 10.41 | 11.28 | 10.04 | 13.36 | 12.93 | 12.41 | 9.49 | 12.33 | 11.41 | 10.32 | 7.33 | 10.32 | 10.61 | 11.21 | 11.86 | 11.90 | 11.67 | 11.37 | 10.79 | 10.15 | 9.46 | 8.63 | 7.98 | 7.78 | 7.75 | 7.84 | 7.80 | 7.37 | 7.12 | 6.41 | 6.02 | 4.96 | 3.82 | 3.55 | 3.34 | 0.77 | 1.00 | 0.86 |
ROA % |
0.81 | 0.69 | 0.58 | 0.45 | 0.36 | 0.24 | 0.34 | 0.30 | 0.29 | 0.23 | 0.48 | 0.63 | 1.08 | 1.01 | 1.40 | 1.15 | 1.55 | 1.29 | 1.38 | 1.07 | 0.79 | 0.39 | 0.72 | 0.95 | 1.03 | 0.91 | 1.22 | 1.18 | 1.13 | 0.87 | 1.13 | 1.05 | 0.95 | 0.67 | 0.92 | 0.91 | 0.94 | 0.97 | 0.96 | 0.93 | 0.89 | 0.84 | 0.79 | 0.75 | 0.69 | 0.64 | 0.61 | 0.59 | 0.59 | 0.57 | 0.56 | 0.55 | 0.51 | 0.48 | 0.40 | 0.31 | 0.29 | 0.27 | 0.06 | 0.08 | 0.07 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
DSO |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 294.9 | 293.9 | 465.8 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 294.9 | 293.9 | 465.8 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 294.9 | 293.9 | 465.8 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Southern First Bancshares, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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