Southern First Bancshares

SFST · NASDAQ

$60.93+$1.80 (+3.04%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $59.13

SFST analyst rating

BuyConsensus of 1 analyst over the last 12 months. 100% rate it a buy.

Strong buy0
Buy1
Hold0
Underperform0
Sell0

12-month price target · 4 analysts

Average $69.87 (+14.7% upside)

Low: $67.67
Now: $60.93
High: $73.50

Upgrades and downgrades

The latest rating actions, newest first

SFST analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Feb 5, 2026	Maintains	Overweight	$54.00 → $64.00	67%

The case for and against

Updated Jan 12, 2026

Bull case

Southern First Bancshares Inc. demonstrates a positive outlook due to a noticeable increase in total loan yields, which rose by 8 basis points to 5.28%. The company reported total loans reaching $3.7 billion in the second quarter of 2025, reflecting approximately 7% annualized growth from the first quarter, fueled by robust contributions from both commercial and consumer lending segments. Additionally, total deposits experienced a 1.7% annualized increase, supporting the bank's overall financial stability and growth trajectory despite some pressure on the end-of-period loan-to-deposit ratio.

Bear case

Southern First Bancshares Inc. experienced a significant decline in construction loans, dropping to $68.4 million from $90.0 million in the first quarter of 2025, largely due to project completions and payoffs. This decrease in construction lending is concerning, as it indicates a slowdown in new project financing, which could adversely affect future revenue growth. Additionally, the persistent reduction in a key lending sector suggests potential challenges in attracting new customers and maintaining existing client relationships in the competitive banking landscape.

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