
SFST Stock Forecast & Price Target
SFST Analyst Ratings
Bulls say
Southern First Bancshares Inc. has demonstrated solid financial performance with total loan yields increasing by 8 basis points to 5.28%, indicating improved profitability from its lending activities. In the second quarter of 2025, total loans rose to $3.7 billion, reflecting approximately 7% annualized growth, driven by balanced contributions from both commercial and consumer portfolios. Additionally, total deposits increased by about 1.7% annualized, showcasing the bank's ability to attract deposits and support its lending operations amidst a growing loan portfolio.
Bears say
Southern First Bancshares Inc. experienced a significant decline in construction loans, decreasing from $90.0 million to $68.4 million in the first quarter of 2025, attributed to project completions and payoffs. This reduction in lending activity may indicate weaker demand in a critical segment of the bank's portfolio, which could adversely impact overall revenue generation. The continued trend of diminishing loan balances could be a concern for the company's growth prospects within its primary revenue-generating Commercial and Retail Banking segment.
This aggregate rating is based on analysts' research of Southern First Bancshares and is not a guaranteed prediction by Public.com or investment advice.
SFST Analyst Forecast & Price Prediction
Start investing in SFST
Order type
Buy in
Order amount
Est. shares
0 shares