Southern First Bancshares Q4 EPS rises 73% yr/yr
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
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.
Related Articles
Coca Cola (KO) Q4 Earnings Preview: Look for the Upside in the AI Initiatives, not in the Revenue and the EPS
Coca-Cola (KO) enters its fourth-quarter 2025 earnings call tomorrow with significant momentum. However, a fundamental shift is occurring.
Warsh’s Fed Era Signals a Death Knell for QE, Jolting the $30 Trillion Treasury Market
With Warsh’s nomination, his past proposals for governing the Federal Reserve are being brought to the forefront. A central issue is the formulation of a new "1951 Accord" to restructure the relationship between the Fed and the Treasury. Analysts suggest such a move could impact the $30 trillion Tre
Amazon Stock Predictions for 2026 to 2030: Will They Exceed Expectations and Achieve Major Long-Term Goals?
TradingKey - As we head into 2026, many investors are questioning where Amazon (AMZN) fits into the technology world.
A Crash After a Surge: Why Silver Lost 40% in a Week?
TradingKey - Spot silver (XAGUSD) prices continue to decline. Silver plunged 20% on Thursday, breaking below $71 per ounce, with the sell-off intensifying on Friday as prices fell further below $64. Compared to the all-time high set on January 29, silver prices have retraced more than 40%, wiping out nearly all gains accumulated over the previous month.
