SFST Stock Analysis: Buy, Sell, or Hold?
SFST - Southern First Bancshares, Inc.
$61.19
-1.30 (-2.08%)
▼
5d:
+3.1%
30d:
+5.1%
90d:
+11.36%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 28, 2026
23d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SFST is fairly valued with market pricing in 1.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: SFST is fairly valued with market pricing in 1.2% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$108.64
Based on 13.1% avg growth
INTRINSIC VALUE TODAY
$67.46
9.3% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SFST is currently trading at $61.19, which is considered extended relative to its 30-day fair value range of $57.75 to $60.82. The stock's valuation (Forward PE: 9.9) is in line with its historical norms (9.6). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SFST is showing sideways momentum. The price is approaching resistance at $61.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SFST has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SFST is showing sideways momentum. The price is approaching resistance at $61.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SFST has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$57.75 -
$60.82
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($66.50)
- NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$57.75 -
$60.82
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$56.09
Resistance Level
$61.50
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.93
Wall Street Target
$66.50
(+8.7%)
Revenue Growth (YoY)
26.2%
Earnings Growth (YoY)
83.1%
Profit Margin
28.7%
Valuation Premium vs History
+1.2% premium
PE vs Historical
9.9 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.2%
(market-implied from PE analysis)
1-Year Target
$61.92
(+1%)
2-Year Target
$62.67
(+2%)
3-Year Target
$63.42
(+4%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$61.34
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 22.2%)
$245.02
(+300%)
Base:
(SPY PE: 9.9, Growth: 22.2%)
$111.66
(+83%)
Bear:
(PE: 8.4, Growth: 22.2%)
$94.91
(+55%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 14.67 | Current EPS (TTM): $4.26
Bull Case
$99.48
(+63%)
Analyst growth 44.7%, PE expands to 16.1
Base Case
$90.43
(+48%)
Market implied 44.7%, PE stable at 14.7
Bear Case
$42.49
(-31%)
Severe decline -20.0%, PE contracts to 12.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 03, 2026 8:54 PM ET
Data refreshes hourly during market hours. Next update: 9:54 PM
Data refreshes hourly during market hours. Next update: 9:54 PM
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Technical Signals Check
Is SFST showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
INSIDERS SELLING
Recent Transactions
William Iv Maner
BUY
400 shares
2026-03-06
Silvia T King
SELL
2625 shares
2026-02-26
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