What Is Southern First Bancshares, Inc. (SFST) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Southern First Bancshares, Inc. presents a highly debated valuation profile at its current price of $61.41. The composite intrinsic value is estimated at $76.18 (+24.1% average upside), masking a wide model spread between the 5 bullish models and 5 bearish models. Model dispersion is worth noting: ML-RIV targets $158.43 (+158.0%), versus EPV at $24.43 (-60.2%). This +218.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About SFST?
11 of 13 models are currently active for SFST. Of these, 5 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates SFST's intrinsic value at $113.03, implying +84.1% upside from the current price. See which stocks rank higher →
How Does SFST Rank in National Commercial Banks?
Among 92 National Commercial Banks stocks, SFST ranks #50 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 places SFST in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
Southern First Bancshares, Inc.'s positioning within the National Commercial Banks segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.
Is SFST a Value Trap?
CirclFi's Value Trap algorithm assigns SFST a score of 10/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for Southern First Bancshares, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, Southern First Bancshares, Inc. earns a quality score of 8.0/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +218.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every SFST valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across SFST's 11 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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