SOUTHERN FIRST BANCSHARES (SFST)
US8428731017 - Common Stock
Taking everything into account, SFST scores 3 out of 10 in our fundamental rating. SFST was compared to 411 industry peers in the Banks industry. SFST may be in some trouble as it scores bad on both profitability and health. SFST has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SFST had positive earnings in the past year.
In the past year SFST had a positive cash flow from operations.
SFST had positive earnings in each of the past 5 years.
Each year in the past 5 years SFST had a positive operating cash flow.
1.2 Ratios
SFST's Return On Assets of 0.32% is on the low side compared to the rest of the industry. SFST is outperformed by 86.16% of its industry peers.
SFST has a Return On Equity of 4.20%. This is amonst the worse of the industry: SFST underperforms 83.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.32% | ||
| ROE | 4.2% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.94%
ROE(3y)10.33%
ROE(5y)10.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SFST (15.34%) is worse than 77.67% of its industry peers.
In the last couple of years the Profit Margin of SFST has declined.
The Operating Margin and Gross Margin are not available for SFST so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.34% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.5%
PM growth 5Y-13.5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SFST does not have a ROIC to compare to the WACC, probably because it is not profitable.
SFST has more shares outstanding than it did 1 year ago.
SFST has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SFST has an improved debt to assets ratio.
2.2 Solvency
SFST has a debt to FCF ratio of 2.99. This is a good value and a sign of high solvency as SFST would need 2.99 years to pay back of all of its debts.
SFST has a Debt to FCF ratio of 2.99. This is comparable to the rest of the industry: SFST outperforms 45.87% of its industry peers.
SFST has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
SFST's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. SFST outperforms 72.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SFST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.41%.
The earnings per share for SFST have been decreasing by -10.43% on average. This is quite bad
SFST shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.61%.
Measured over the past years, SFST shows a small growth in Revenue. The Revenue has been growing by 4.45% on average per year.
EPS 1Y (TTM)-44.41%
EPS 3Y-7.83%
EPS 5Y-10.43%
EPS growth Q2Q-6.06%
Revenue 1Y (TTM)-16.61%
Revenue growth 3Y-6.54%
Revenue growth 5Y4.45%
Revenue growth Q2Q-16.99%
3.2 Future
The Earnings Per Share is expected to grow by 55.20% on average over the next years. This is a very strong growth
SFST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.97% yearly.
EPS Next Y23.51%
EPS Next 2Y55.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.99%
Revenue Next 2Y18.97%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.68 indicates a rather expensive valuation of SFST.
81.07% of the companies in the same industry are cheaper than SFST, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of SFST to the average of the S&P500 Index (28.60), we can say SFST is valued slightly cheaper.
SFST is valuated cheaply with a Price/Forward Earnings ratio of 7.25.
SFST's Price/Forward Earnings ratio is rather cheap when compared to the industry. SFST is cheaper than 82.77% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.15. SFST is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.68 | ||
| Fwd PE | 7.25 |
4.2 Price Multiples
SFST's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SFST is more expensive than 77.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SFST's earnings are expected to grow with 55.20% in the coming years.
PEG (NY)0.75
PEG (5Y)N/A
EPS Next 2Y55.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SFST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SOUTHERN FIRST BANCSHARES
NASDAQ:SFST (5/17/2024, 7:25:56 PM)
After market: 29 0 (0%)29
+1.17 (+4.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap236.64M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.68 | ||
| Fwd PE | 7.25 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.75
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.32% | ||
| ROE | 4.2% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 15.34% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-44.41%
EPS 3Y-7.83%
EPS 5Y
EPS growth Q2Q
EPS Next Y23.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-16.61%
Revenue growth 3Y-6.54%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y