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Southern First (SFST) Reports Q1 Earnings: What Key Metrics Have to Say

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Southern First (SFST - Free Report) reported $33.8 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 27.5%. EPS of $1.19 for the same period compares to $0.65 a year ago.

The reported revenue represents a surprise of +4.21% over the Zacks Consensus Estimate of $32.44 million. With the consensus EPS estimate being $1.20, the EPS surprise was -0.42%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 59.2% compared to the 58.5% average estimate based on two analysts.
  • Net Interest Margin: 2.9% versus 2.8% estimated by two analysts on average.
  • Total Noninterest Income: $3.54 million versus the two-analyst average estimate of $3.38 million.
  • Net Interest Income: $30.26 million versus $29.08 million estimated by two analysts on average.

View all Key Company Metrics for Southern First here>>>

Shares of Southern First have returned +5.2% over the past month versus the Zacks S&P 500 composite's +9.3% 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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