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Compared to Estimates, Southern First (SFST) Q3 Earnings: A Look at Key Metrics
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For the quarter ended September 2025, Southern First (SFST - Free Report) reported revenue of $31.13 million, up 31% over the same period last year. EPS came in at $1.07, compared to $0.54 in the year-ago quarter.
The reported revenue represents a surprise of +4.25% over the Zacks Consensus Estimate of $29.86 million. With the consensus EPS estimate being $0.89, the EPS surprise was +20.22%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Southern First performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency ratio: 60.9% versus 65.3% estimated by two analysts on average.
Net Interest Margin: 2.6% versus 2.6% estimated by two analysts on average.
Total Noninterest Income: $3.6 million versus the two-analyst average estimate of $3.47 million.
Net Interest Income: $27.53 million versus the two-analyst average estimate of $26.38 million.
Shares of Southern First have returned -4.7% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Compared to Estimates, Southern First (SFST) Q3 Earnings: A Look at Key Metrics
For the quarter ended September 2025, Southern First (SFST - Free Report) reported revenue of $31.13 million, up 31% over the same period last year. EPS came in at $1.07, compared to $0.54 in the year-ago quarter.
The reported revenue represents a surprise of +4.25% over the Zacks Consensus Estimate of $29.86 million. With the consensus EPS estimate being $0.89, the EPS surprise was +20.22%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Southern First performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Southern First here>>>
Shares of Southern First have returned -4.7% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.