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BWB (52) BWFG (65) BSVN (71) UNTY (63) ⌘ Pro Terminal β†’

Southern First Bancshares Inc. (SFST) Dividend Safety Gauge & 10-Year DRIP Compounder

$61.01 +2.40% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $61.16

Southern First Bancshares Inc. (SFST) carries a Roarable Rating of C- (Hold) with 59/100 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.

ROARABLE C- β€’ HOLD / WATCH Cap $564.3M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SFST Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is SFST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Southern First Bancshares Inc. (NASDAQ: SFST) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $61.01 (+2.40% 1D, market cap $564.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, SFST ranks #430 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does SFST compare to BWB and BWFG in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), SFST carries a Roarable C- (59/100 RQD), trailing P/E of 19.0x, gross margin of β€”, and ROIC of 8.2%. By comparison, BWB (Bridgewater Bancshares Inc.) holds a D+ grade (52/100 RQD, P/E 12.3x, ROIC 8.9%, cap $566.2M) and BWFG (Bankwell Financial Group Inc.) posts a C grade (65/100 RQD, P/E 15.8x, ROIC 11.7%, cap $567.8M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while BSVN leads on capital efficiency (17.2% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SFST?
β–Ό

Per SFST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001090009), Southern First Bancshares Inc. generated $1.85B in revenue (+7.7% YoY), $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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $61.16 (+0.24%)🧬 Cannibal Buyback (-1.80% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 1.6% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY β€’ 53.1% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw D+ Β· Rk C
Cash (11)Whales (8)SEC (13)Macro (13)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0.4% Base Target
$72 Bull$61 Base$48 Bear
πŸ“¬ FREE SFST RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for SFST)Realized 20D OHLCV Swing Band: Β±4.7%
Deterministic 5-Pillar Attribution (59/100 Composite)
πŸ” WHY SFST SCORES 59/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (24% of score)

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

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 5/9

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
51
Grade C-$60.09+1.4% Next Q
Q2 (-2Q)
54
Grade C-$60.93+0.5% Next Q
Q3 (-1Q)
56
Grade C$61.26-0.4% Next Q
Current
59
Grade C-$61.01+0.2% Hist 90D Ξ±
Trajectory: C- (51) β†’ C- (59)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the SFST Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 59/100 (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) β€” 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 ($61.03) or 200D SMA ($58.90) invalidates the momentum regime and cuts Target Base ($61.28) toward Bear Floor ($47.80).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SFSTβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œSFST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 β€’ REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SFST & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on SFST and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) β†’$100K Arena
SFST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.10%πŸ“ WEDGE COMPRESSION COIL
2026-11-03O $60.87H $61.01L $59.58C $61.01VOL 75.3K
RES: $62.20SUP: $59.06SMA50: $61.03SMA200: $58.90
$66.14$61.78$57.41$53.05$48.69RES $62.20SUP $59.06$61.012026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ SFST Butterfly Map β†’ + Track SFST β†’
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
12.4%/yr Implied 5Y Growth

vs. +7.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SFST today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SFST)

Financials Rank #430 of 1097 βš”οΈ BWB vs SFST Full Matrix β†’

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Southern First Bancshares Inc. (SFST) ranks #430 by composite RQD confidence (59/100, grade C-) and #677 by equity capitalization ($564.3M). 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 β€” gross margin. BSVN currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with SFST at 59/100 (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- 59/100 19.0x β€” 8.2% +2.40% $564.3M Benchmark Subject
BWB
Bridgewater Bancshares Inc.
D+ 52/100 12.3x β€” 8.9% +2.03% $566.2M /bwb-vs-sfst β†’
BWFG
Bankwell Financial Group Inc.
C 65/100 15.8x β€” 11.7% +2.40% $567.8M /bwfg-vs-sfst β†’
BSVN
Bank7 Corp.
B- 71/100 13.1x β€” 17.2% +0.02% $558.5M /bsvn-vs-sfst β†’
UNTY
Unity Bancorp Inc.
C 63/100 10.1x β€” 16.8% +2.77% $575.5M /unty-vs-sfst β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001090009 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Southern First Bancshares Inc. (SFST) reported GAAP revenue of $1.85B (+7.7% vs. FY2024 revenue of $1.72B , and +1720.7% cumulative change since FY2023) , 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 $1.85B $30.4M $30.5M $29.9M $4.40B β€”
FY2024 (FY) 2024-12-31 $1.72B $15.5M $25.6M $24.8M $4.09B β€”
FY2023 (FY) 2023-12-31 $101.6M $13.4M $17.7M $17.7M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-03, Southern First Bancshares Inc. (NASDAQ: SFST) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $61.01 (+2.40% 1D, market cap $564.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, SFST ranks #430 in composite RQD confidence.

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

Within the Financials sector (Major Banks), SFST carries a Roarable C- (59/100 RQD), trailing P/E of 19.0x, gross margin of β€”, and ROIC of 8.2%. By comparison, BWB (Bridgewater Bancshares Inc.) holds a D+ grade (52/100 RQD, P/E 12.3x, ROIC 8.9%, cap $566.2M) and BWFG (Bankwell Financial Group Inc.) posts a C grade (65/100 RQD, P/E 15.8x, ROIC 11.7%, cap $567.8M). 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 $1.85B in revenue (+7.7% YoY), $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 $61.01 (+2.40% on volume of 89,620 shares), positioning the stock -0.03% below its 50-day simple moving average ($61.03) and +3.58% above its 200-day simple moving average ($58.90). Across its 52-week range of $40.91 to $65.09, SFST sits at the 83.1% percentile with a 14-day RSI of 44.2 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.7% ($58.14 to $63.88).

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
ROARABLE RATING BRIEF β€’ RQD 59/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

SFST β€” Southern First Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Southern First Bancshares Inc. (SFST) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $61.01 (+2.40% 1D, market capitalization $564.3M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 8.2%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 5.18%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Southern First Bancshares Inc. Is a NASDAQ-listed issuer in the Financials sector, operating in the Major Banks industry..6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Southern First Bancshares Inc. (SFST) reported $1.85B in annual revenue (up from $1.72B in FY2024, +7.7% YoY) and $30.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($101.6M revenue, $13.4M net income) through FY2025, SFST scaled operating cash flow to $30.5M and free cash flow to $29.9M, backed by $4.40B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C- β€’ RQD 59/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.18% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $40.91 – $65.09 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 19.0x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), SFST carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can SFST sustain or expand its β€” operating margin and 8.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.85B and free cash flow of $29.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SFST's 17.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SFST Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Southern First Bancshares Inc. (SFST) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to SFST Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SFST Bull vs. Bear Conversation Board β€” What's Your Call at $61.01?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SFST 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SFST:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER β€’ FCF Compounder Hunter πŸ‚ BULLISH 🎯 Target: $70.30 (+18.0%)
πŸ“Œ Pinned Debate

Net income more than doubled from $15.5M in FY 2024 to $30.4M in FY 2025 while the stock trades at a 17.7 forward P/E.

Here is why I am bullish on SFST here at $59.58: Net income more than doubled from $15.5M in FY 2024 to $30.4M in FY 2025 while the stock trades at a 17.7 forward P/E.. Compare SFST's 0.0% operating margin and 8.2% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $56.60 are getting bought.

EarningsSniper πŸ‚ BULL

@ShortSeller_Dan Shorting a 8/20 institutional whale-flow stock at $59.58 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER β€’ Forensic Short Bias 🐻 BEARISH 🎯 Target: $45.28 (-24.0%)
Spot @ $59.58

The RQD rating is only a C- with the whale-flow pillar at 10 of 20 and no dividend yield, and the Simply Wall St item carries a RED RIS

Sitting on the sidelines or leaning short SFST above $59.58. The RQD rating is only a C- with the whale-flow pillar at 10 of 20 and no dividend yield, and the Simply Wall St item carries a RED RISK WATCH flag.. Until Fundamental Cash Engine (11/20) and FCF yield (5.18%) inflect higher, upside is capped near $65.09.

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