Southern First Bancshares, Inc. (SFST) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Orrstown Financial Services, Inc.

Northrim BanCorp, Inc.

Southern First Bancshares, Inc.

Orange County Bancorp, Inc.

PCB Bancorp

Unity Bancorp, Inc.

RBB Bancorp

Citizens Financial Services, Inc.

Farmers & Merchants Bancorp, Inc. (Ohio)

BayCom Corp.

Pioneer Bancorp, Inc. (New York)

Why is Southern First Bancshares, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

The company has declared positive results for the last 3 consecutive quarters
NII(Q) Highest at USD 25.3 MM
OPERATING CASH FLOW(Y) Highest at USD 33.06 MM
OPERATING PROFIT(Q) Highest at USD 8.59 MM

With ROA of 0.25%, it has a fair valuation with a 0.87 Price to Book Value

Over the past year, while the stock has generated a return of 13.91%, its profits have risen by 37.9% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 85.46%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How 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.

20.43%

2.72

35.17%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.35%

EBIT Growth (5y)

-6.05%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

85.46%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.87

EV to EBIT

11.88

EV to EBITDA

9.47

EV to Capital Employed

0.83

EV to Sales

1.10

PEG Ratio

0.44

Dividend Yield

ROCE (Latest)

6.99%

ROE (Latest)

5.41%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

26What is working for the Company

NII(Q)

Highest at USD 25.3 MM

OPERATING CASH FLOW(Y)

Highest at USD 33.06 MM

OPERATING PROFIT(Q)

Highest at USD 8.59 MM

OPERATING PROFIT MARGIN(Q)

Highest at 16.42 %

PRE-TAX PROFIT(Q)

Highest at USD 8.59 MM

NET SALES(Q)

Highest at USD 52.32 MM

NET PROFIT(Q)

Highest at USD 6.58 MM

EPS(Q)

Highest at USD 0.81

-1What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 103.04%

Here's what is working for Southern First Bancshares, Inc.

NII

Highest at USD 25.3 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 8.59 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 16.42 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 8.59 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 8.59 MM has Grown at 119.88%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 6.58 MM has Grown at 119.44%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 33.06 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 52.32 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Net Profit

Highest at USD 6.58 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.81

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Southern First Bancshares, Inc.

Credit Deposit Ratio

Lowest at 103.04%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)