Southern First Bancshares (SFST)
Provides relationship-team commercial banking across eight Southeast markets.
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Operates Southern First Bank, a relationship-team-oriented commercial bank serving eight Southeast markets. Client teams and organic expansion from Greenville shape the business, which also includes mortgage activity through the Dream Mortgage Center.
Acts as the bank holding company for Southern First Bank, a relationship-team-oriented commercial bank serving eight Southeast markets. Each client is assigned a Senior Officer, a Client Officer, and consistent support staff. The organization expanded organically from Greenville to markets in South Carolina, North Carolina, and Georgia, and opened a Dream Mortgage Center loan-production office in Columbia.
Commercial banking is the operating focus, with mortgage activity through the Dream Mortgage Center. Art Seaver has led both the company and bank since 1999. The relationship-team model and an organic-expansion approach rather than bank acquisitions shape operations.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Feb 5, 2026 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $64 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $174.5M · Total debt $280.2M · Total assets $4.70B · Shareholders' equity $452.3M
- Revenue
- $61.6M
- Operating income
- $14.5M
- Net income
- $11.2M
No dividends on record.
| Institutions | ≈ 89.88% | 8.51M shares | |
|---|---|---|---|
| 166 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 5.34% | 505.9K shares | |
| 23 holders · as of Sep 22, 2026 | |||
| Other | ≈ 4.78% | 452.4K shares | |
| remainder | |||
9.47M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
FJ Capital Management LLCInstitution | 9.42% | 892,223 | as of Jun 30, 2026 |
T. Rowe Price Investment Management, Inc.Institution | 8.92% | 844,650 | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 8.77% | 830,375 | as of Jun 30, 2026 |
Endeavour Capital Advisors IncInstitution | 7.00% | 662,860 | as of Jun 30, 2026 |
T. Rowe Price Associates, Inc.Institution | 5.66% | 536,573 | filed Feb 14, 2018 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 18, 2026 | James B. Iii Orders | director | −8,045 | $62.05 |
| Sep 14, 2026 | Anna T. Locke | director | +300 | $63.27 |
| Sep 3, 2026 | Leighton M. Cubbage | director | −500 | $62.79 |
| Sep 2, 2026 | Leighton M. Cubbage | director | −1,200 | $62.26 |
| Sep 1, 2026 | Leighton M. Cubbage | director | −465 | $60.75 |
- Bank of America
National-scale commercial, private, and consumer banking
- Truist Financial
Charlotte-based top-10 bank across core Southeast markets
- Wells Fargo
Large bank with commercial, consumer, and wealth capabilities
- SouthState
Southeast regional bank spanning the Carolinas and Georgia
- United Community Banks
Greenville-based regional bank serving Southeast clients
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Southern First Bancshares | $59.84 | −1.12% | $572.1M | 12.9 | 10.9 | 2.7 | +25.3% |
| Bank of America | $55.81 | −0.70% | $398.83B | 12.9 | 11.4 | 2.0 | +19.3% |
| Truist Financial | $47.59 | −1.01% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| Wells Fargo | $82.59 | −0.67% | $251.45B | 12.0 | 11.0 | 1.9 | +8.6% |
| SouthState | $102.48 | +0.11% | $9.93B | 10.8 | 10.5 | 3.1 | +1.2% |
| United Community Banks | $33.98 | −0.63% | $4.09B | 11.2 | 10.8 | 2.6 | +9.8% |
| Median | 11.4 | 10.8 | 2.0 | +8.6% |