Southern First Bancshares, Inc.

SFSTNASDAQFinancial Services● Active

$59.71

+$0.74(+1.25%)

Market Cap$564567902

P/E Ratio—

52W High$62

52W Low$34.51

Avg Volume131K

Open$59.20

Beta0.69

Free Cash Flow Financials Revenue

Southern First Bancshares, Inc. (SFST) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

SFST · free cash flow · updated Jun 8, 2026

Core FCF metrics

SFST · FCF · TTM · margin & CAGR

Free cash flow was $29.9M for FY2025 (fiscal year ending 2025-12-31), up 20.6% year-over-year The FCF margin was 13.3%. Five-year CAGR stands at +17.5%.

FY2025 Free Cash Flow$29.9M▲ +20.6% YoY

Trailing 12M (TTM)$32.9Mtrailing 4 quarters sum

FCF Margin13.3%$29.9M ÷ revenue

3-Year CAGR-6.3%FY2022 → FY2025

5-Year CAGR+17.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

SFST · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$30.5M(1M)$29.9M▲ +20.6%13.3%

FY2024$25.6M(1M)$24.8M▲ +51.0%11.6%

FY2023$17.7M(1M)$16.4M▼ 54.9%8.8%

FY2022$50.3M(14M)$36.4M▼ 29.5%28.5%

FY2021$78.1M(27M)$51.6M▲ +286.4%46.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

SFST · P/FCF · FCF yield · FCF per share

Southern First Bancshares, Inc. (SFST) trades at a FCF yield of 5.83% and a price-to-free-cash-flow ratio of 14.6x. FCF per share stands at $4.09, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

5.83%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$4.09

TTM FCF ÷ Shares Outstanding

Price / FCF

x14.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x21.7

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

SFST · cash flow statement · operating / investing / financing

For FY2025, Southern First Bancshares, Inc. generated $30.5M in operating cash flow and spent 1M in capital expenditures, yielding $29.9M in free cash flow.

Operating Activities

+$30.5M

Cash from core business operations

2025-12-31

Investing Activities

−$206.3M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$282.6M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($30.5M) − |CapEx| (1M) = FCF ($29.9M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

SFST vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Southern First Bancshares, Inc.YOU

SFST

$29.9M+20.6%13.3%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Southern First Bancshares, Inc. (SFST) reported free cash flow of $29.9M for FY2025 (fiscal year ending 2025-12-31), up 20.6% year-over-year. The FCF margin was 13.3%.

Based on available data, Southern First Bancshares, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $51.6M in FY2021. The 5-year CAGR stands at +17.5%.

Southern First Bancshares, Inc.'s FCF yield is 5.83% and price-to-FCF ratio is 14.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

SFST free cash flow · 8 questions

Southern First Bancshares, Inc. free cash flow was $29.9M for FY2025, up 20.6% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $32.9M.

SFST free cash flowSFST FCFSFST FCF 2025SFST free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Southern First Bancshares, Inc. · Southern First Bancshares, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026