
SFST Stock Forecast & Price Target
SFST Analyst Ratings
Bulls say
Southern First Bancshares Inc. has demonstrated a positive trend in its loan yields, which rose by 8 basis points to 5.28%, indicating a strengthening in its lending profitability. Additionally, total loans increased to $3.7 billion in the second quarter of 2025, reflecting an impressive annualized growth rate of approximately 7% compared to the previous quarter, driven by contributions from both commercial and consumer lending segments. This robust loan growth, combined with a 1.7% annualized increase in total deposits, underscores the company's solid market position and diversified lending strategy, contributing to an optimistic outlook for the bank's stock performance.
Bears say
Southern First Bancshares is experiencing a notable decline in its construction loans, which decreased to $68.4 million from $90.0 million in the first quarter of 2025. This reduction is attributed to project completions and payoffs, indicating potential challenges in the bank's lending portfolio. The decline in construction loans may negatively impact future revenue growth, thereby raising concerns about the company's financial outlook.
This aggregate rating is based on analysts' research of Southern First Bancshares and is not a guaranteed prediction by Public.com or investment advice.
SFST Analyst Forecast & Price Prediction
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