
SFST Stock Forecast & Price Target
SFST Analyst Ratings
Bulls say
Southern First Bancshares Inc. demonstrated a solid financial performance with total loan yields rising by 8 basis points to 5.28%, indicating increasing profitability from its lending activities. The bank achieved a total loan increase to $3.7 billion in the second quarter of 2025, reflecting approximately 7% annualized growth from the previous quarter, driven by robust contributions from both commercial and consumer lending portfolios. Additionally, total deposits grew by around 1.7% annualized, which, despite exerting some pressure on the end-of-period loan-to-deposit ratio, underscores the bank's overall growth trajectory.
Bears say
Southern First Bancshares has experienced a significant decline in construction loans, decreasing from $90.0 million in 1Q25 to $68.4 million, attributed to project completions and loan payoffs. This reduction in construction loan volume could negatively impact the bank's revenue growth, as it represents a key segment of their lending activities. The ongoing trend of declining construction loans may raise concerns regarding the company's ability to sustain its financial performance in a competitive banking environment.
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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