Southern First Bancshares (NASDAQ: SFST) is one of 207 public companies in the “Commercial Banks” industry, but how does it weigh in compared to its competitors? We will compare Southern First Bancshares to related businesses based on the strength of its risk, institutional ownership, profitability, earnings, valuation, analyst recommendations and dividends.

Profitability

This table compares Southern First Bancshares and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Southern First Bancshares 20.68% 11.39% 0.95%
Southern First Bancshares Competitors 19.73% 8.36% 0.88%

Volatility & Risk

Southern First Bancshares has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500. Comparatively, Southern First Bancshares’ competitors have a beta of 0.74, indicating that their average stock price is 26% less volatile than the S&P 500.

Valuation & Earnings

This table compares Southern First Bancshares and its competitors top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
Southern First Bancshares $53.79 million N/A 19.05
Southern First Bancshares Competitors N/A N/A 25.62

Southern First Bancshares is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Southern First Bancshares and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Southern First Bancshares 0 1 2 0 2.67
Southern First Bancshares Competitors 380 2904 2379 70 2.37

Southern First Bancshares currently has a consensus target price of $38.67, indicating a potential upside of 4.08%. As a group, “Commercial Banks” companies have a potential upside of 0.26%. Given Southern First Bancshares’ stronger consensus rating and higher possible upside, analysts clearly believe Southern First Bancshares is more favorable than its competitors.

Institutional and Insider Ownership

70.2% of Southern First Bancshares shares are held by institutional investors. Comparatively, 46.5% of shares of all “Commercial Banks” companies are held by institutional investors. 14.5% of Southern First Bancshares shares are held by company insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Southern First Bancshares beats its competitors on 9 of the 12 factors compared.

Southern First Bancshares Company Profile

Southern First Bancshares, Inc. is a bank holding company that owns the capital stock of Southern First Bank (the Bank), a South Carolina state bank, and all of the stock of Greenville First Statutory Trust I and II (the Trusts). The Bank is a commercial bank with approximately nine retail offices located in Greenville, Columbia and Charleston, South Carolina. The Bank is primarily 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 public. In addition to deposit and loan services, the Company offers other bank services, such as Internet banking, cash management services, safe deposit boxes, direct deposit and automatic drafts for various accounts. The Bank offers a range of lending services, including real estate, commercial, and equity-line consumer loans to individuals and small- to medium-sized businesses, and professional firms.

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