Southern First Bancshares Inc is a bank holding company. The company engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the "FDIC"), and providing commercial, consumer and mortgage loans to the general public of which a majority of the revenue is derived from the Commercial and Retail Banking segment which includes the provision of traditional deposit and lending products and services to its commercial and retail banking clients.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.12
Equity-to-Asset	0.08
Debt-to-Equity	1
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.85	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-7.5
	3-Year EPS without NRI Growth Rate	-10.8
	3-Year FCF Growth Rate	6
	3-Year Book Growth Rate	9.6

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	34.1
	9-Day RSI	37.57
	14-Day RSI	37.85
	6-1 Month Momentum %	11.78
	12-1 Month Momentum %	11.65

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1.3
	Shareholder Yield %	-64.08

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	15.34
	FCF Margin %	19
	ROE %	4.44
	ROA %	0.34
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	16.57
	Forward PE Ratio	12.82
	PE Ratio without NRI	16.57
	Shiller PE Ratio	8.88
	Price-to-Owner-Earnings	30.33
	PEG Ratio	1.51
	PS Ratio	2.5
	PB Ratio	0.7
	Price-to-Tangible-Book	0.7
	Price-to-Free-Cash-Flow	13.38
	Price-to-Operating-Cash-Flow	12.44
	EV-to-Revenue	5.75
	EV-to-FCF	30.29
	Price-to-Projected-FCF	0.39
	Price-to-DCF (Earnings Based)	0.89
	Price-to-DCF (FCF Based)	0.68
	Price-to-Median-PS-Value	0.71
	Price-to-Peter-Lynch-Fair-Value	1.49
	Price-to-Graham-Number	0.72
	FCF Yield %	7.4
	Forward Rate of Return (Yacktman) %	22.73

GF Value: $36.92

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