ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Southern First Bancshares, Inc. ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 30.33 MM
- NII(Q) Highest at USD 28.74 MM
- ROCE(HY) Highest at 0.71%
2
With ROA of 0.29%, it has a fair valuation with a 1.00 Price to Book Value
- Over the past year, while the stock has generated a return of 61.29%, its profits have risen by 58.5% ; the PEG ratio of the company is 0.3
3
Market Beating Performance
- The stock has generated a return of 61.29% in the last 1 year, much higher than market (S&P 500) returns of 19.17%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Southern First Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Southern First Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Southern First Bancshares, Inc.
60.96%
2.94
34.79%
S&P 500
20.12%
0.99
19.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.40%
EBIT Growth (5y)
1.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
84.22%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.00
EV to EBIT
13.19
EV to EBITDA
10.99
EV to Capital Employed
1.00
EV to Sales
1.51
PEG Ratio
0.27
Dividend Yield
NA
ROCE (Latest)
7.57%
ROE (Latest)
6.33%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend27What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 30.33 MM
NII(Q)
Highest at USD 28.74 MM
ROCE(HY)
Highest at 0.71%
OPERATING PROFIT(Q)
Highest at USD 13.28 MM
OPERATING PROFIT MARGIN(Q)
Highest at 24.36 %
PRE-TAX PROFIT(Q)
Highest at USD 12.77 MM
CASH AND EQV(HY)
Highest at USD 52.42 MM
NET PROFIT(Q)
Highest at USD 9.86 MM
EPS(Q)
Highest at USD 1.21
-2What is not working for the Company
ROCE(HY)
Lowest at 0.71%
Here's what is working for Southern First Bancshares, Inc.
NII
Highest at USD 28.74 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 30.33 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 13.28 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 24.36 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 12.77 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 12.77 MM has Grown at 85.23%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 9.86 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 9.86 MM has Grown at 75.17%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.21
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 52.42 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 11.44%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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