Southern First Bancshares (SFST) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Adjusted EPS
- $1.28
- Estimate
- $1.25
- Surprise
- +2.0%
- Score today
- 6.8/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Southern First Bancshares (SFST) beat the $1.25 estimate with adjusted EPS of $1.28 — a modest 2.0% upside surprise.
Coverage in the report window
- Southern First Reports Third Quarter 2026 Results — fiscal.ai, 2026-10-20
- Southern First Bancshares Q3 EPS $1.30 Beats $1.25 Estimate, Sales $37.530M Beat $34.100M Estimate — benzinga, 2026-10-20
Where TrendMatrix's rating stands now
TrendMatrix currently rates SFST Hold at 6.8/10; no pre/post engine snapshot brackets this report.
3 of the last 4 quarters beat the estimate; this quarter's +2.0% surprise compares with a +2.1% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (3/4)
What argues against it
- Concentration risk — Loan Portfolio: loans secured by real estate (83.0%)
- Concentration risk — Geographic: South Carolina, North Carolina, and Georgia markets
- Analyst target reached - limited upside remaining
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $60.93
- Stop
- $58.27
The stock trades at 13.1× trailing but 9.9× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: trading volume is running 1.7× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-10-21 — shown for context, not personalized investment advice.
SFST at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $577.1M
- P/E (fwd)
- 9.9
- P/E (ttm)
- 13.1
- 52-week range
- $40.91–$65.09
- Off 52-week high
- 6.4%
- RSI (14)
- 60
- Volume vs avg
- 1.72×
- Score today
- 6.8/10