SFST on Nasdaq

SOUTHERN FIRST BANCSHARES INC

American national commercial bank, incorporated in South Carolina. Summary from the record

Price unavailable

Last updated Oct 19, 2026.

Overview

Compare with Meridian Corporation, CONSUMERS BANCORP INC /OH/ or NATIONAL BANKSHARES INC, or pick any stock.

  • TickerSFST on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersGreenville, South Carolina1
  • Incorporated inSC2
  • Business address6 Verdae Boulevard, Greenville, Sc 296072
  • Filer categoryAccelerated filer2

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“we,” “us,” “our,” or similar references mean Southern First Bancshares, Inc. and its subsidiaries.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

483.4%Net margin4
13.0%Revenue growth, 20254
8.2%Return on equity4
$29.9MFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax23¢$9.2M
  • Profit77¢$30.4M

Out of $6.3M in revenue.4

Where each dollar of operating cash went, fiscal 2025

  • Capital spending2¢$581.0K
  • Kept or used elsewhere98¢$29.9M

Out of $30.5M of cash from operations.4

Financial statements

Revenue56784$6.3M in 2025−37% since 2019
0$5.0M$10.0M$15.0M$20.0M2019: $9.9M$9.9M20192020: $19.8M$19.8M2020+99%2021: $11.4M$11.4M2021−43%2022: $4.2M$4.2M2022−63%2023: $4.0M$4.0M2023−4%2024: $5.6M$5.6M2024+38%2025: $6.3M$6.3M2025+13%
Net income56784$30.4M in 2025+9% since 2019
0$20.0M$40.0M$60.0M2019: $27.9M$27.9M20192020: $18.3M$18.3M2020−34%2021: $46.7M$46.7M2021+155%2022: $29.1M$29.1M2022−38%2023: $13.4M$13.4M2023−54%2024: $15.5M$15.5M2024+16%2025: $30.4M$30.4M2025+96%

Every line of the income statement as filed: the last 3 fiscal years, latest first.4

Period ending2025-12-312024-12-312023-12-31
Loans$198.1M$186.9M$166.1M
Investment securities$5.4M$5.8M$4.5M
Federal funds sold and interest-bearing deposits with banks$8.0M$8.5M$7.0M
Total interest income$211.5M$201.2M$177.6M
Deposits$95.6M$108.8M$91.4M
Borrowings$10.9M$11.2M$8.6M
Total interest expense$106.5M$120.0M$99.9M
Net interest income$105.0M$81.2M$77.7M
Provision for credit losses$3.0M$125.0K$1.3M
Net interest income after provision for credit losses$102.0M$81.1M$76.4M
Mortgage banking income$6.3M$5.6M$4.0M
Service fees on deposit accounts$2.4M$1.8M$1.4M
ATM and debit card income$2.4M$2.3M$2.2M
Income from bank owned life insurance$1.7M$1.6M$1.4M
Loss on sale of investment securities-$515.0K
Other income$924.0K$911.0K$818.0K
Total noninterest income$13.1M$12.1M$9.9M
Compensation and benefits$44.8M$43.5M$40.3M
Occupancy$10.0M$10.3M$10.3M
Outside service and data processing costs$8.5M$7.7M$7.1M
Insurance$3.9M$4.0M$3.8M
Professional fees$2.5M$2.4M$2.5M
Marketing$1.5M$1.4M$1.4M
Other$4.4M$3.9M$3.6M
Total noninterest expenses$75.5M$73.3M$68.8M
Income before income tax expense$39.6M$19.9M$17.4M
Income tax expense$9.2M$4.4M$4.0M
Net income available to common shareholders$30.4M$15.5M$13.4M
Basic$3.75$1.92$1.67
Diluted$3.72$1.91$1.66
Basic8.1M shares8.1M shares8.0M shares
Diluted8.2M shares8.1M shares8.1M shares

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Leadership

Who has led SOUTHERN FIRST BANCSHARES INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. R. Arthur Seaver Jr.2009–now

President

  1. F. Justin Strickland2006–2019
  2. Calvin C. Hurst2023–now

Chief financial officer

  1. Michael D. Dowling2011–2023
  2. David Andrew Borrmann2023–2024
  3. Christian J. Zych2024–now

Chief operating officer

  1. Michael D. Dowling2020–2023
2010201520202025
Board members and other officers (27)

Former names

  • GREENVILLE FIRST BANCSHARES INCJul 27, 1999 to Jul 2, 20072

Timeline

  1. Jan 22, 2009New chief executive R. Arthur Seaver Jr. becomes CEO12

Filings

296 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 44 major events, 176 insider forms, 22 large holders, 34 other. The latest 20:

  1. Sep 22, 20264 PRIMARY DOCUMENT EDGAR
  2. Sep 18, 2026144 EDGAR
  3. Sep 15, 20264 PRIMARY DOCUMENT EDGAR
  4. Sep 3, 20264 PRIMARY DOCUMENT EDGAR
  5. Sep 1, 20264 PRIMARY DOCUMENT EDGAR
  6. Aug 28, 20268-K CURRENT REPORT EDGAR
  7. Aug 27, 20264 PRIMARY DOCUMENT EDGAR
  8. Aug 24, 20264 PRIMARY DOCUMENT EDGAR
  9. Aug 14, 2026SCHEDULE 13G/A EDGAR
  10. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  11. Aug 13, 20264/A PRIMARY DOCUMENT EDGAR
  12. Aug 12, 2026144 EDGAR
  13. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  14. Aug 3, 2026144 EDGAR
  15. Aug 3, 202610-Q QUARTERLY REPORT EDGAR
  16. Jul 29, 20264 PRIMARY DOCUMENT EDGAR
  17. Jul 21, 20268-K CURRENT REPORT EDGAR
  18. Jun 12, 20264 PRIMARY DOCUMENT EDGAR
  19. Jun 3, 20264 PRIMARY DOCUMENT EDGAR
  20. Jun 3, 20264 PRIMARY DOCUMENT EDGAR

The 296 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

105 open-market trades by officers, directors and large owners since October 2021: 59 buys and 46 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 18, 2026ORDERS JAMES B IIIDirectorSale8,045$62.05$499.2KForm 4
Sep 14, 2026Locke Anna TDirectorBuy300$63.27$19.0KForm 4
Sep 3, 2026CUBBAGE LEIGHTON MDirectorSale500$62.79$31.4KForm 4
Sep 2, 2026CUBBAGE LEIGHTON MDirectorSale1,200$62.26$74.7KForm 4
Sep 1, 2026CUBBAGE LEIGHTON MDirectorSale465$60.75$28.2KForm 4
Aug 28, 2026CUBBAGE LEIGHTON MDirectorSale400$63.00$25.2KForm 4
Aug 25, 2026CUBBAGE LEIGHTON MDirectorSale350$63.05$22.1KForm 4
Aug 24, 2026CUBBAGE LEIGHTON MDirectorSale400$63.00$25.2KForm 4
Aug 20, 2026CUBBAGE LEIGHTON MDirectorSale800$63.02$50.4KForm 4
Aug 12, 2026SEAVER R ARTHUR JRChief Executive OfficerSale21,000$63.59$1.3MForm 4
Aug 3, 2026Fairchild Julie AnnChief Accounting OfficerSale1,500$63.00$94.5KForm 4
Aug 3, 2026Fairchild Julie AnnChief Accounting OfficerSale1,500$63.00$94.5KForm 4
Jun 23, 2026Lattimore RayDirectorSale253$59.28$15.0KForm 4
Jun 10, 2026CUBBAGE LEIGHTON MDirectorSale765$60.60$46.4KForm 4
Mar 6, 2026Maner William IVDirectorBuy400$52.35$20.9KForm 4
Feb 26, 2026King Silvia TChief Human Resources OfficerSale2,625$60.49$158.8KForm 4
Dec 15, 2025SEAVER R ARTHUR JRChief Executive OfficerSale10,000$55.14$551.4KForm 4
Dec 10, 2025ELLISON DAVID GDirectorSale1,000$53.29$53.3KForm 4
Nov 21, 2025Fairchild Julie AnnChief Accounting OfficerSale1,258$50.00$62.9KForm 4
Nov 3, 2025ELLISON DAVID GDirectorBuy200$43.50$8.7KForm 4

All 105 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
FJ Capital Management LLC892,223$54.5M7.1%+85,000
BlackRock, Inc.830,375$50.7M0.0%+117,965
Endeavour Capital Advisors Inc662,860$40.5M8.3%+55,455
Vanguard Capital Management LLC392,789$24.0M0.0%+47,904
Dimensional Fund Advisors LP387,861$23.7M0.0%+7,493
State Street Corp373,521$22.8M0.0%+205,558
Ameriprise Financial Inc247,644$15.1M0.0%−23,599
Geode Capital Management, LLC237,053$14.5M0.0%+56,822
Renaissance Technologies LLC186,307$11.4M0.0%+35,700
Walleye Capital LLC179,992$11.0M0.1%New
Banc Funds Co LLC162,655$9.9M1.6%−9,000
American Century Companies Inc157,858$9.6M0.0%+8,441
Morgan Stanley126,040$7.7M0.0%+41,436
Maltese Capital Management LLC122,000$7.5M1.4%+86,974
Hotchkis & Wiley Capital Management LLC116,130$7.1M0.0%+1,000
Goldman Sachs Group Inc106,925$6.5M0.0%+41,021
Jpmorgan Chase & Co96,212$5.9M0.0%+92,824
Alliancebernstein L.P.106,590$5.8M0.0%+65,027
Stieven Capital Advisors, L.P.94,114$5.8M1.1%New
Bank Of America Corp /de/91,966$5.6M0.0%+73,765
Manufacturers Life Insurance Company, The87,448$5.3M0.0%New
Northern Trust Corp85,785$5.2M0.0%+14,699
Russell Investments Group, Ltd.76,998$4.7M0.0%+23,705
Aqr Capital Management LLC76,428$4.7M0.0%+49,745
Vanguard Portfolio Management LLC76,294$4.7M0.0%+31,545

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

1 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jun 29, 2020William R. Timmons IVRepublican, HouseSale$1,001 - $15,000+33.3%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

Sources

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