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Southern First Bancshares (SFST) investor relations material
Southern First Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Achieved record revenue and net income of $8.7 million in Q3 2025, up 98% year-over-year, driven by expanding net interest margin, disciplined pricing, and loan growth.
Diluted EPS rose to $1.07, up 32% sequentially and 98% year-over-year, with nine-month EPS at $2.54.
Total assets reached $4.36 billion as of September 30, 2025, up 6.6% from year-end 2024.
Maintained strong asset quality with NPAs at 0.27% and no new credit concerns.
Focused on organic growth in high-growth Southeastern metro markets.
Financial highlights
Net interest margin increased to 2.62% from 2.50% in Q2 2025 and 2.08% in Q3 2024.
Net interest income for Q3 2025 rose 33.7% year-over-year to $27.5 million.
Book value per share rose to $43.51, up 12% annualized from Q2 2025 and 9% year-over-year.
Total loans reached $3.8 billion, up 4% annualized from Q2 2025; core deposits at $2.9 billion, up 2% annualized.
Efficiency ratio improved to 60.86% from 67.54% in Q2 2025 and 75.9% in Q3 2024.
Outlook and guidance
Management remains optimistic for the remainder of 2025, citing strong business pipelines and healthy Southeastern markets, but notes ongoing economic uncertainty and regulatory changes.
Balance sheet positioned for current interest rate environment, with $2.8 billion in deposits and $1.5 billion in assets expected to reprice through 2026.
Strategic focus on margin expansion, disciplined pricing, and organic growth.
Explain risk migration in commercial loans?
Why did commercial construction loans decline?
What drove the Q3'25 compensation expense decrease?
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Next Southern First Bancshares earnings date
Q4 202520 Jan, 2026
Next Southern First Bancshares earnings date
Q4 202520 Jan, 2026
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Frequently asked questions
Southern First Bancshares, Inc. is the holding company for Southern First Bank, a financial institution primarily serving customers in South Carolina, North Carolina, and Georgia. The company offers a range of banking products, including commercial, consumer, and mortgage loans. Its deposit products include checking and savings accounts, as well as time deposits like money market accounts and certificates of deposit. In addition to these core services, Southern First provides online banking, mobile banking, cash management, and other related financial services. Southern First Bancshares is headquartered in Greenville, South Carolina, and its shares are listed on the NASDAQ.
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