Southern First Bancshares, Inc. cash flow to debt ratio of 11.50% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Southern First Bancshares, Inc.'s free cash flow has increased 20.60% from $24.77M last year to $29.88M, signaling increasing performance

Southern First Bancshares, Inc.'s debt to equity ratio is 0.62, which means that the company's assets are unhealthy financed, signaling financial risk.

Southern First Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.80 last year to 0.62 today, signaling strengthened financials

Southern First Bancshares, Inc. has a net debt to EBITDA ratio of 4.03x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Southern First Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Southern First Bancshares, Inc.'s profit margin has increased (157.02%) in the last year from 7.28% to 18.71%, signaling increasing performance

Southern First Bancshares, Inc.'s short-term liabilities of $3.72B exceed its short-term assets of $86.13M, signaling financial risk

Southern First Bancshares, Inc.'s return on assets of 0.84% is lower than the 5.00% threshold, indicating inefficient asset utilization

Southern First Bancshares, Inc.'s return on equity of 10.18%, is lower than 15.00%, indicating bad performance

Southern First Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Southern First Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Southern First Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Southern First Bancshares, Inc. has a free cash flow yield of 5.04%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Southern First Bancshares, Inc.'s yearly earnings has increased 95.53% since last year from $15.53M to $30.37M, signaling increasing performance

Southern First Bancshares, Inc.'s yearly revenue has decreased 0.86% since last year from $213.32M to $211.48M, signaling decreasing performance

ROIC 0.84% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Southern First Bancshares, Inc.'s 3-year revenue CAGR of 20.73% is positive, indicating growing revenue over the past 3 years

Southern First Bancshares, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Southern First Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Southern First Bancshares, Inc. is overvalued relative to its fair value price of 35.56 based on Discounted Cash Flow model

Southern First Bancshares, Inc. has an earnings yield of 6.87%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Southern First Bancshares, Inc. is overvalued relative to its fair value price of 8.89 based on EBITDA multiple model

Southern First Bancshares, Inc. has an EV/EBITDA ratio of 17.41x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Southern First Bancshares, Inc. is undervalued relative to its fair value price of 92.13 based on Earnings Fair Value model

Southern First Bancshares, Inc. has a PEG-ratio over 1 which is considered overvalued

Southern First Bancshares, Inc. has a price-to-book ratio of 1.27x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Southern First Bancshares, Inc. has a price-to-sales ratio of 2.72x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue