
SFST Stock Forecast & Price Target
SFST Analyst Ratings
Bulls say
Southern First Bancshares Inc. demonstrated a positive financial trajectory with total loan yields increasing by 8 basis points to reach 5.28%. The company reported substantial loan growth, achieving total loans of $3.7 billion in the second quarter of 2025, which reflects an annualized growth rate of approximately 7% from the previous quarter, largely driven by contributions from both commercial and consumer portfolios. Additionally, total deposits rose by around 1.7% annualized, underscoring the strength and stability of its banking operations amidst a robust lending environment.
Bears say
Southern First Bancshares Inc. experienced a significant decline in construction loans, dropping to $68.4 million from $90.0 million in the first quarter of 2025, primarily due to project completions and payoffs. This decrease in loan volume reflects potential challenges in the bank's lending operations and could indicate a weakening demand for new construction financing. The reduction in construction loans may adversely affect the company's overall revenue growth and profitability, contributing to a negative outlook on its stock performance.
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
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