Southern First Bancshares, Inc. (SFST)

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Southern First Bancshares, Inc. (SFST) is up 13.0% since the beginning of the year. At $58 per share, SFST is trading 6.1% below its 52-week high of $62. Investors who bought $1,000 worth of SFST shares 5 years ago would now be looking at an investment worth $1,080.

Southern First Bancshares, Inc. (SFST) has returned 13.00% so far this year and 65.92% over the past 12 months. Over the last ten years, SFST has returned 8.52% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.

Based on dividend-adjusted daily data since Oct 28, 1999, SFST's average daily return is +0.08%, while the average monthly return is +1.27%. At this rate, an investment would double in approximately 4.6 years.

Historically, 55% of months were positive and 45% were negative. The best month was May 2009 with a return of +29.4%, while the worst month was Jan 2009 at -34.8%. The longest winning streak lasted 16 consecutive months, and the longest losing streak was 6 months.

On a daily basis, SFST closed higher 39% of trading days. The best single day was Apr 23, 2002 with a return of +50.0%, while the worst single day was Mar 18, 2020 at -38.1%.

Southern First Bancshares, Inc. has an annualized alpha of 17.42%, beta of 0.44, and R2 of 0.04 versus S&P 500 Index. Calculated based on daily prices since October 29, 1999.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (72.17%) than losses (49.29%) - typical of diversified or defensive assets.
• Beta of 0.44 may look defensive, but with R2 of 0.04 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.04 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

SFST ranks 87 for risk / return — in the top 87% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

The table below present risk-adjusted performance metrics for Southern First Bancshares, Inc. (SFST) and compare them to S&P 500 Index.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Southern First Bancshares, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Southern First Bancshares, Inc. was 79.10%, occurring on Mar 6, 2009. Recovery took 1102 trading sessions.

The current Southern First Bancshares, Inc. drawdown is 10.46%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Southern First Bancshares, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Southern First Bancshares, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.