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Investor Relations14 Oct 2025
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Southern First Bancshares (SFST) investor relations material
Southern First Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Achieved record revenue in Q2 2025, with total revenue up 24% year-over-year and strong business pipelines.
Diluted EPS rose to $0.81, up 25% sequentially and 119% year-over-year.
Net income for Q2 2025 was $6.6 million, more than doubling year-over-year.
Total assets reached $4.31 billion at June 30, 2025, up 5.4% from year-end 2024, driven by loan and deposit growth.
Maintained a solid balance sheet, strong capital ratios, and outstanding asset quality.
Financial highlights
Net interest income increased 29.5% year-over-year to $25.3 million for Q2 2025, with net interest margin rising to 2.50%.
Loans outstanding grew to $3.75 billion, up 7% annualized from Q1 2025; core deposits at $2.87 billion, also up 7% annualized.
Book value per share increased to $42.23, up 9% annualized from Q1 2025 and 8% year-over-year.
Efficiency ratio improved to 67.5% in Q2 2025 from 80.9% in Q2 2024.
Nonperforming assets to total assets at 0.27%; allowance for credit losses was $41.3 million (1.10% of loans).
Outlook and guidance
Management remains optimistic for continued growth, citing strong pipelines and a solid balance sheet.
Balance sheet positioned for current interest rate and business environment, with $2.3B in deposits and $1.2B in assets expected to reprice in 2025.
Strategic focus on growing core deposits, optimizing pricing, and maintaining expense discipline.
Management anticipates continued pressure on net interest margin due to competitive deposit rates.
No material impact expected from recent tax law changes or the One Big Beautiful Bill Act in 2025.
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Next Southern First Bancshares earnings date
Q3 202521 Oct, 2025
Next Southern First Bancshares earnings date
Q3 202521 Oct, 2025
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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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