COMP <GO>
SFST vs NPB // EV/EBITDA & P/E VALUATION
Southern First Bancshares Inc. (NASDAQ) VS. Northpointe Bancshares Inc. (NYSE) • 15-METRIC TALLY: SFST 2
— NPB 5
■ METRIC PARITY
LAST: $61.01 (+2.40%) • MKT CAP: $564.3M
valuation
—
LAST: $15.89 (+0.63%) • MKT CAP: $546.0M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SFST VS. NPB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SFST | NPB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.20% | 14.70% | -6.50 | NPB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.18% | 7.42% | -2.24 | NPB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.58% | -0.58 | NPB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | SFST | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.2 | 49.9 | -5.70 | NPB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.7x | 6.2x | +11.50 | NPB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $564.3M | $546.0M | $18.3M | SFST | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SFST REV | NPB REV | SFST GROSS % | NPB GROSS % | SFST FCF | NPB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.85B | $2.95B | — | — | $29.9M | $41.5M |
| FY 2024 | $1.72B | $2.19B | — | — | $24.8M | $18.8M |
| FY 2023 | $101.6M | $1.92B | — | — | $17.7M | $504.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SFST // BETA —
NPB // BETA —