Stock Ratings / Financials / SFST / financials

UNTY (67) BWB (53) BSVN (70) CIVB (70) ⌘ Pro Terminal →

Southern First Bancshares Inc. (SFST) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$60.87 -0.18% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $60.73

Southern First Bancshares Inc. (SFST) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $576.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $60.74 (-0.22%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SFST)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY SFST SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 83% of 52W Range • RSI-14 at 42.8 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$59.65+0.3% Next Q

Q2 (-2Q)

Grade C$59.81+2.3% Next Q

Q3 (-1Q)

Grade C$61.20-0.5% Next Q

Current

Grade C$60.87+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SFST Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, SFST faces multiple-compression risk if 19.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($61.14) or 200D SMA ($58.86) invalidates the momentum regime and cuts Target Base ($62.24) toward Bear Floor ($48.55).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SFST• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SFST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How SFST Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$29.9M (0.7% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$30.4M	$29.9M	8.2%
FY 2024	$4.00B	52%	0%	$15.5M	$24.8M	8.2%
FY 2023	$4.00B	52%	0%	$13.4M	$17.7M	8.2%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SFST)

✓Walkthrough of SFST's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

SFST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.12%📐 HORIZONTAL RANGE

2026-10-30O $60.93H $60.93L $58.98C $60.87VOL 75.2K

RES: $62.30SUP: $58.28SMA50: $61.14SMA200: $58.86

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SFST Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SFST Butterfly Map → + Track SFST →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

12.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SFST today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SFST. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SFST today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SFST)

Financials Rank #394 of 1096 ⚔️ UNTY vs SFST Full Matrix →

1. Head-to-Head Financials Peer Comparison (SFST vs. UNTY, BWB, BSVN, CIVB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Southern First Bancshares Inc. (SFST) ranks #394 by composite RQD confidence (63/100, grade C) and #672 by equity capitalization ($576.5M). Within this direct 5-issuer industry benchmark cohort, UNTY leads on earnings valuation at 10.1x trailing P/E, while BSVN leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. BSVN currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with SFST at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SFST ACTIVE Southern First Bancshares Inc.	C	63/100	19.0x	—	8.2%	-0.18%	$576.5M	Benchmark Subject
UNTY Unity Bancorp Inc.	C+	67/100	10.1x	—	16.8%	+0.64%	$583.5M	/unty-vs-sfst →
BWB Bridgewater Bancshares Inc.	D+	53/100	12.3x	—	8.9%	-0.24%	$567.2M	/bwb-vs-sfst →
BSVN Bank7 Corp.	B-	70/100	13.1x	—	17.2%	+0.46%	$564.9M	/bsvn-vs-sfst →
CIVB Civista Bancshares Inc.	B-	70/100	12.8x	—	8.5%	+1.03%	$592.0M	/civb-vs-sfst →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001090009

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Southern First Bancshares Inc. (SFST) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $30.4M, operating cash flow of $30.5M, and free cash flow of $29.9M (+20.6% YoY). On the balance sheet, SFST closed FY2025 with $4.40B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$30.4M	$30.5M	$29.9M	$4.40B	—
FY2024 (FY)	2024-12-31	$0	$15.5M	$25.6M	$24.8M	$4.09B	—
FY2023 (FY)	2023-12-31	$0	$13.4M	$17.7M	$17.7M	—	—

3. SFST Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SFST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Southern First Bancshares Inc. (NASDAQ: SFST) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $60.87 (-0.18% 1D, market cap $576.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, SFST ranks #394 in composite RQD confidence.

How does SFST compare to UNTY and BWB in the Financials sector?

Within the Financials sector (Major Banks), SFST carries a Roarable C (63/100 RQD), trailing P/E of 19.0x, gross margin of —, and ROIC of 8.2%. By comparison, UNTY (Unity Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 10.1x, ROIC 16.8%, cap $583.5M) and BWB (Bridgewater Bancshares Inc.) posts a D+ grade (53/100 RQD, P/E 12.3x, ROIC 8.9%, cap $567.2M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while BSVN leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SFST?

Per SFST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001090009), Southern First Bancshares Inc. generated $0 in revenue, $30.4M in net income, and $29.9M in free cash flow against $4.40B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SFST trading relative to its 50-day, 200-day, and 52-week technical levels?

SFST last traded at $60.87 (-0.18% on volume of 125,414 shares), positioning the stock -0.44% below its 50-day simple moving average ($61.14) and +3.41% above its 200-day simple moving average ($58.86). Across its 52-week range of $40.91 to $65.09, SFST sits at the 82.5% percentile with a 14-day RSI of 42.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($57.95 to $63.79).

SFST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Southern First Bancshares Inc. (SFST)?

In FY 2025 (10-K), SFST converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $29.9M in free cash flow (0.7% FCF margin).

Direct Sub-Reports: SFST RQD Cockpit SFST 12M Forecast SFST Earnings & Move SFST Dividends & DRIP SFST Insiders & 13F SFST Whale Options SFST Profit Sankey SFST News & Why