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Southern First Bancshares
Southern First Bancshares (SFST) investor relations material
Southern First Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved strong financial performance in Q4 2025, with significant year-over-year and sequential growth in key metrics.
Fourth quarter 2025 marked the strongest performance of the year, with continued momentum in loan and deposit growth and improved financial returns.
Net income for Q4 2025 was $9.9 million, or $1.21 per diluted share, up 13% from Q3 2025 and 73% year-over-year.
Maintained a solid balance sheet, robust asset quality, and efficient operating model across high-growth Southeast metro markets.
The company remains optimistic for 2026, citing a strong business pipeline and resilient Southeast markets.
Financial highlights
Diluted EPS rose to $1.21, up 13% from Q3 2025 and 73% from Q4 2024.
Net interest margin increased to 2.72%, up from 2.62% in Q3 2025 and 2.25% in Q4 2024.
Book value per share reached $44.89, up 3% sequentially and 11% year-over-year.
Total loans reached $3.8 billion, up 6% year-over-year; total deposits were $3.7 billion, up 8% year-over-year.
Noninterest expense decreased to $18.4 million, down $530 thousand from Q3 2025 and $128 thousand from Q4 2024.
Outlook and guidance
Focus remains on profitable growth, margin expansion, and disciplined expense management.
Management expects continued financial performance improvement in 2026, with a strong business pipeline and plans to expand teams in resilient Southeast markets.
Continued emphasis on core deposit growth and prudent underwriting standards.
Strategy for declining deposit costs in Q4
Reason for Q4 individually evaluated loan impairment
Explain Q4 securities sale loss and strategy
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Next Southern First Bancshares earnings date
Q1 202621 Apr, 2026
Southern First Bancshares
Next Southern First Bancshares earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Southern First Bancshares, Inc. is the holding company for Southern First Bank, a financial institution primarily serving customers in South Carolina, North Carolina, and Georgia. The company offers a range of banking products, including commercial, consumer, and mortgage loans. Its deposit products include checking and savings accounts, as well as time deposits like money market accounts and certificates of deposit. In addition to these core services, Southern First provides online banking, mobile banking, cash management, and other related financial services. Southern First Bancshares is headquartered in Greenville, South Carolina, and its shares are listed on the NASDAQ.
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