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SFST

Southern First BancsharesD
Nasdaq / Banks
Last Price
At close
2026-07-22
View Chart
Current thesis
The bullish case is that April 21, 2026 results were a genuine step-up rather than a one-quarter spike: margin expanded, retail deposits accelerated, credit stayed controlled, and the April equity raise gives capacity to keep growing.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +1.7.
What can break
Credit quality could worsen from current low-loss levels, especially after rapid balance-sheet growth
Momentum
45
Value
49
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $57.50 · Bull $63.00 · Bear $48.00
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $66.50
Why
Momentum45 · Δ7d +15.3
Value49 · Δ7d +1.7
Sentiment48 · Δ7d -1.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
45
26% active weight
Current posture
7d trendFlat
Δ7d
+15.3
Δ21d
-2.8
Value
49
39% active weight
Current posture
7d trendImproving
Δ7d
+1.7
Δ21d
+3.0
Sentiment
48
34% active weight
Current posture
7d trendFlat
Δ7d
-1.0
Δ21d
-2.7
Why this grade

Composite grade D. Momentum 45.4 / Value 49.5 / Sentiment 48.4

Fundamentals (TTM)
As of 2026-07-22
Market Cap
$570.53M
Beta
0.77
Shares Out
9.46M
P/E (TTM)
16.4
P/S (TTM)
3.89
P/FCF (TTM)
14.37
Rev YoY
+10.2%
EPS YoY
+83.6%
Gross Margin
-
Op Margin
-
Net Debt
$258.79M
Current Ratio
0.10
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology