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Southern First Bancshares SFST · USD

Financials · US listing · 🇺🇸 United States

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60.82

+2.62%

Close of 9 Nov 2026, in USD

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About Southern First Bancshares

From its filings with the US Securities and Exchange Commission

SEC filings

Southern First Bancshares is based in Greenville, South Carolina and is incorporated in South Carolina. Its shares trade on Nasdaq under the ticker SFST. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $6.3m and net income of $30.4m. At that date it held total assets of $4.40bn and shareholders' equity of $368.7m.

Read the filing on SEC.gov ↗

Company facts

Sector
Financials
Industry
Banks
Listed since
26 Oct 1999
Employees
315
Head office
6 VERDAE BOULEVARD, GREENVILLE, SC, 29607
Incorporated in
SC
Classification
National Commercial Banks
Filer status
Accelerated filer

Leadership

Pay as last reported

  • Mr. James OrdersIndependent Chairman of the Board$57,300
  • Mr. Calvin HurstPresident$719,003
  • Mr. R. Arthur SeaverChief Executive Officer, Director, since 2006$1.1m
  • Mr. Christian ZychChief Financial Officer, Executive Vice President$360,910
  • Ms. Silvia KingChief Human Resources Officer$282,494
  • Mr. Blair MillerExecutive Vice President, Chief Retail Experience Officer
  • Mr. Wes WilbanksExecutive Vice President, Chief Credit Officer
  • Ms. Julie FairchildChief Accounting Officer$321,066
  • Ms. Jennie CluveriusDirector
  • Mr. Mark CothranDirector$45,600
  • Mr. Darrin GossDirector
  • Mr. Billy McclatcheyDirector

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
35
Environment
13
Social
59
Governance
33
Carbon reduction policy
No
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Southern First Bancshares Inc has a strong financial position, with stable revenue growth and consistent profitability. This provides a solid foundation for the company to sustain its operations and make strategic investments.
  • The company also boasts a diverse portfolio of products and services, catering to the financial needs of individual and corporate clients. This enables Southern First Bancshares Inc to capture a wider market share and generate multiple revenue streams.
  • Furthermore, Southern First Bancshares Inc has a well-established brand reputation and a loyal customer base. This gives the company a competitive edge in attracting and retaining customers in the highly competitive banking industry.

Weaknesses

  • One of the weaknesses of Southern First Bancshares Inc is its limited geographical presence. Although the company has been expanding its branch network, it still operates within a specific region, which restricts its access to potential customers outside its primary market area.
  • Additionally, the company may face challenges in adapting its operations to rapidly evolving technological advancements in the banking industry. Failure to keep up with these changes could result in inefficiencies and loss of market share.
  • Moreover, Southern First Bancshares Inc relies heavily on traditional banking services, which may limit its ability to cater to the growing demand for digital and online banking solutions.

Opportunities

  • One significant opportunity for Southern First Bancshares Inc lies in expanding its market reach by acquiring or partnering with other regional banks. This would allow the company to enter new markets and diversify its customer base.
  • Another opportunity is the increasing demand for sustainable and socially responsible banking practices. Southern First Bancshares Inc can capitalize on this trend by incorporating environmental and social factors into its business strategies, offering green financial products, and supporting community development initiatives.
  • Furthermore, the digital transformation of the banking industry presents opportunities for Southern First Bancshares Inc to invest in advanced technological solutions, such as mobile banking apps and online platforms, thereby enhancing customer experiences and capturing a larger market share.

Threats

  • Southern First Bancshares Inc faces threats from intense competition within the banking sector. The presence of established national and international banks, as well as emerging fintech companies, poses a risk to the company's market position and profitability.
  • Another threat is the potential impact of economic downturns on loan portfolios and credit quality. A decline in economic conditions could lead to higher loan defaults and lower interest income for Southern First Bancshares Inc, putting its financial stability at risk.
  • Moreover, increasing regulatory requirements and compliance costs could create operational challenges for the company, potentially limiting its ability to adapt quickly to changing regulatory frameworks.

Sources and methodology

Data on this tab
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Chart on the Overview
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