UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission file number 000-27719 Southern First Bancshares, Inc. (Exact name of registrant as specified in its charter) South Carolina 58-2459561 (State or other ...

For the quarter ended September 2025, Southern First (SFST) 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 Stre ...

Southern First (SFST) came out with quarterly earnings of $1.07 per share, beating the Zacks Consensus Estimate of $0.89 per share. This compares to earnings of $0.54 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +20.22%. A quarter ago, it was expected that this holding company for Southern First Bank would post earnings of $0.65 per share when it actually produced earnings of $0.81, delivering a surprise of +24.62%.Over the ...

Exhibit 99.1 Southern First Reports Third Quarter 2025 Results Greenville, South Carolina, October 28, 2025 – Southern First Bancshares, Inc. (NASDAQ: SFST), holding company for Southern First Bank, today announced its financial results for the nine months ended September 30, 2025. "Our third quarter financial performance clearly shows the steady momentum that continued this quarter, in line with our expectations. Our team remains highly focused on executing our plans for increased profitability and high-qu ...

With a market cap of just $353 million, Southern First Bancshares (NASDAQ: SFST ) is a small regional bank holding company that operates in the Southeastern US. The company's size causes it to be overlooked by mostI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on indi ...

Core Insights - Southern First Bancshares (NASDAQ: SFST) is a small regional bank holding company with a market capitalization of $353 million, primarily operating in the Southeastern US, which often leads to it being overlooked by investors [1] Company Overview - The company is characterized as a small regional bank, indicating a niche market presence and potential for growth opportunities that may not be fully recognized by the broader market [1] Investment Perspective - The article suggests that the best investment opportunities often arise from stocks that are less widely followed or those that do not accurately reflect the current market opportunities, implying that Southern First Bancshares may present such an opportunity [1]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission file number 000-27719 South Carolina 58-2459561 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 6 Verda ...

Core Viewpoint - Southern First (SFST) has been upgraded to a Zacks Rank 1 (Strong Buy) due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Performance - The Zacks rating system is based on changes in a company's earnings picture, with the Zacks Consensus Estimate tracking EPS estimates from sell-side analysts [1][2]. - A strong correlation exists between changes in earnings estimates and near-term stock price movements, influenced by institutional investors who adjust their valuations based on these estimates [4][6]. Recent Developments for Southern First - For the fiscal year ending December 2025, Southern First is expected to earn $3.05 per share, unchanged from the previous year, but analysts have raised their estimates by 14% over the past three months [8]. - The upgrade to Zacks Rank 1 indicates an improvement in Southern First's underlying business, which is likely to drive the stock price higher as investors respond positively to this trend [5][10]. Zacks Rank System Overview - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [7]. - Only the top 5% of Zacks-covered stocks receive a "Strong Buy" rating, indicating superior earnings estimate revisions and potential for market-beating returns [9][10].

Core Insights - Three stocks with strong buy rankings and momentum characteristics are highlighted for investors: Charles Schwab, Texas Capital Bancshares, and Southern First Bancshares [1][2][3][4] Company Summaries - **Charles Schwab (SCHW)**: - Zacks Rank: 1 (Strong Buy) - Current year earnings estimate increased by 6.5% over the last 60 days - Share price increased by 19.4% over the last three months, outperforming the S&P 500's 15.2% gain - Momentum Score: A [1][2] - **Texas Capital Bancshares (TCBI)**: - Zacks Rank: 1 (Strong Buy) - Current year earnings estimate increased by 8.2% over the last 60 days - Share price increased by 30% over the last three months, significantly outperforming the S&P 500's 15.2% gain - Momentum Score: A [2][3] - **Southern First Bancshares (SFST)**: - Zacks Rank: 1 (Strong Buy) - Current year earnings estimate increased by 14.2% over the last 60 days - Share price increased by 33.3% over the last three months, also outperforming the S&P 500's 15.2% gain - Momentum Score: A [3][4]

Core Viewpoint - Southern First (SFST) reported quarterly earnings of $0.81 per share, exceeding the Zacks Consensus Estimate of $0.65 per share, and showing significant growth from $0.37 per share a year ago, indicating strong financial performance [1][2] Financial Performance - The company achieved revenues of $28.63 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 7.81%, compared to $23.05 million in the same quarter last year [2] - Southern First has consistently outperformed consensus EPS estimates over the last four quarters, achieving earnings surprises of +24.62% in the latest quarter and +6.56% in the previous quarter [1][2] Stock Performance and Outlook - Southern First shares have increased by approximately 0.9% since the beginning of the year, underperforming compared to the S&P 500's gain of 7.2% [3] - The company's current Zacks Rank is 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Estimates - The current consensus EPS estimate for the upcoming quarter is $0.73 on revenues of $27.89 million, and for the current fiscal year, it is $2.79 on revenues of $108.88 million [7] - The trend of earnings estimate revisions is mixed ahead of the earnings release, which may influence future stock performance [6] Industry Context - The Banks - Southeast industry, to which Southern First belongs, is currently ranked in the top 16% of over 250 Zacks industries, suggesting a favorable environment for performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which could impact investor sentiment [5]