ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Southern First Bancshares, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 7 consecutive quarters
- NII(Q) Highest at USD 30.26 MM
- ROCE(HY) Highest at 0.79%
- NET PROFIT(Q) Highest at USD 9.89 MM
2
With ROA of 0.42%, it has a fair valuation with a 1.19 Price to Book Value
- Over the past year, while the stock has generated a return of 60.30%, its profits have risen by 95.6% ; the PEG ratio of the company is 0.2
3
High Institutional Holdings at 85.78%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.56% over the previous quarter.
4
Market Beating Performance
- The stock has generated a return of 60.30% in the last 1 year, much higher than market (S&P 500) returns of 25.41%
Real-Time Research ReportHow much should you hold?
- 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.
60.3%
3.82
32.01%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.40%
EBIT Growth (5y)
1.52%
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
85.78%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.19
EV to EBIT
11.50
EV to EBITDA
10.25
EV to Capital Employed
1.21
EV to Sales
1.92
PEG Ratio
0.15
Dividend Yield
NA
ROCE (Latest)
10.56%
ROE (Latest)
8.24%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at USD 30.26 MM
ROCE(HY)
Highest at 0.79%
NET PROFIT(Q)
Highest at USD 9.89 MM
CASH AND EQV(HY)
Highest at USD 60.54 MM
PRE-TAX PROFIT(Q)
At USD 12.48 MM has Grown at 80.64%
-2What is not working for the Company
ROCE(HY)
Lowest at 0.79%
Here's what is working for Southern First Bancshares, Inc.
NII
Highest at USD 30.26 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
Highest at USD 9.89 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Pre-Tax Profit
At USD 12.48 MM has Grown at 80.64%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 9.89 MM has Grown at 87.75%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 60.54 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
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