Southern First Bancshares Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
20.7%projected annual EPS growth
Analyst Coverage
2analysts covering
FY EPS (est.)
$4.95next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 20 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly288.0%Target: Further expansion through deposit rate optimization and loan repricing
Efficiency Ratio Quarterly5,922.0%Target: Sub-60% operational efficiency maintenance
Nonperforming Assets to Total Assets Quarterly0.3Target: Prudent credit risk management below 0.35%
Tangible Common Equity (TCE) Ratio Quarterly829.0%Target: Capital preservation above 8.00% post-equity offering
Watch Items
- Deposit Cost Pressures and Wholesale Funding MixTrigger: Wholesale deposit reliance increasing or retail deposit growth slowing below 10% annualizedAction: Re-evaluate deposit pricing strategies and promotional CD offerings to protect net interest margin.
- Classified Assets and Credit Quality NormalizationTrigger: Classified assets rising above 4.00% of total loansAction: Increase credit loss provisions and tighten underwriting standards in commercial real estate and construction segments.
Research as of 19 Jun 2026