
SFST Stock Forecast & Price Target
SFST Analyst Ratings
Bulls say
Southern First Bancshares Inc. demonstrates a positive outlook primarily due to its strong loan performance, achieving total loan yields of 5.28%, which reflects an increase of eight basis points. The company reported robust loan growth of approximately 7% annualized in the second quarter of 2025, with total loans rising to $3.7 billion, driven by contributions from both commercial and consumer lending segments. Additionally, while total deposits increased by about 1.7% annualized, the strengthened loan activity underscores the company's effective management and growth strategies within its banking operations.
Bears say
Southern First Bancshares has experienced a notable decline in its construction loans, which decreased from $90.0 million to $68.4 million in the first quarter of 2025, primarily due to project completions and payoffs. This reduction in loans highlights potential weaknesses in the company's lending activities and overall revenue generation capabilities. Furthermore, the decline in construction loans could indicate a slowdown in client demand for financing, which may adversely affect the bank's profitability in the near term.
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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