Southern First Bancshares Q4 EPS rises 73% yr/yr

Southern First Bancshares

22/01/2026 12:25

Overview

U.S. bank's Q4 revenue rose, driven by loan and deposit growth

Diluted EPS for Q4 increased 13% from Q3 2025 and 73% from Q4 2024

Net interest margin improved to 2.72% from 2.62% in Q3 2025

Outlook

Southern First expects continued financial performance improvement in 2026

Company plans to expand teams in resilient Southeast markets

Result Drivers

LOAN AND DEPOSIT GROWTH - Southern First's Q4 revenue increase was driven by solid loan growth and stronger client deposit growth

NET INTEREST MARGIN - The increase in net interest income was primarily driven by higher interest income on loans and lower interest expense on deposits

NONINTEREST INCOME DECLINE - Noninterest income decreased from previous quarter due to a $515 thousand loss on the sale of securities

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
$31.83 mln
$28.60 mln (1 Analyst)
Q4 EPS
$1.21
Q4 Net Income
$9.86 mln
Q4 CET1 Capital Ratio
11.06%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 1 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Southern First Bancshares Inc is $49.00, about 13.8% below its January 21 closing price of $56.86

The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nPn8qj1lna

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)