Southern First Bancshares (SFST)
Provides relationship-team commercial banking across eight Southeast markets.
$60.01
vs last close−0.50 (−0.83%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 50 | 51 | 51 | 54 | 54 | 54 | 53 | 56 | 59 | 58 | 34 | 62 |
| Cost of revenue | 28 | 29 | 30 | 32 | 31 | 28 | 27 | 28 | 28 | 26 | 1 | 27 |
| Gross profit | 23 | 22 | 21 | 23 | 24 | 25 | 26 | 28 | 30 | 31 | 32 | 35 |
| 17 | 17 | 18 | 19 | 18 | 19 | 19 | 19 | 19 | 18 | 20 | 20 | |
| 12 | 6 | 12 | 13 | −33 | 12 | 1 | 1 | 17 | 13 | 13 | 15 | |
| Selling & marketing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 11 | 5 | 12 | 12 | −33 | 12 | 1 | 1 | 17 | 13 | 13 | 15 |
| Other expenses | 6 | 11 | 6 | 6 | 51 | 6 | 18 | 18 | 2 | 5 | 7 | 6 |
| Operating income | 5 | 5 | 3 | 4 | 6 | 7 | 7 | 9 | 11 | 13 | 12 | 14 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 47 | 49 | 48 | 51 | 51 | 51 | 50 | 52 | 55 | 55 | 55 | 58 |
| Interest expense | 28 | 30 | 30 | 31 | 31 | 29 | 26 | 27 | 27 | 26 | 24 | 26 |
| Income before tax | 5 | 5 | 3 | 4 | 6 | 7 | 7 | 9 | 11 | 13 | 12 | 14 |
| Income tax expense | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 3 | 3 |
| Net income from continuing operations | 4 | 4 | 3 | 3 | 4 | 6 | 5 | 7 | 9 | 10 | 10 | 11 |
| Net income | 4 | 4 | 3 | 3 | 4 | 6 | 5 | 7 | 9 | 10 | 10 | 11 |
| EPS, basic | $0.51 | $0.52 | $0.31 | $0.37 | $0.54 | $0.70 | $0.65 | $0.81 | $1.08 | $1.23 | $1.20 | $1.22 |
| EPS, diluted | $0.51 | $0.52 | $0.31 | $0.37 | $0.54 | $0.70 | $0.65 | $0.81 | $1.07 | $1.21 | $1.20 | $1.20 |
| Weighted average shares, basic | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 9 |
| Weighted average shares, diluted | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 9 |
| EBITDA | 7 | 7 | 5 | 5 | 7 | 8 | 8 | 10 | 13 | 14 | 13 | 14 |
| Depreciation & amortization | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
| EBIT | 5 | 5 | 3 | 4 | 6 | 7 | 7 | 9 | 11 | 13 | 12 | 14 |