Compared to Estimates, Southern First (SFST) Q3 Earnings: A Look at Key Metrics

Core Insights - Southern First (SFST) reported a revenue of $31.13 million for the quarter ended September 2025, marking a 31% increase year-over-year [1] - Earnings per share (EPS) reached $1.07, up from $0.54 in the same quarter last year, with an EPS surprise of +20.22% compared to the consensus estimate of $0.89 [1] - The revenue exceeded the Zacks Consensus Estimate by +4.25% [1] Financial Performance Metrics - Efficiency ratio improved to 60.9%, better than the estimated 65.3% by analysts [4] - Net Interest Margin remained stable at 2.6%, matching analyst expectations [4] - Total Noninterest Income was reported at $3.6 million, surpassing the average estimate of $3.47 million [4] - Net Interest Income was $27.53 million, exceeding the average estimate of $26.38 million [4] Stock Performance - Southern First's shares have returned -4.7% over the past month, contrasting with the Zacks S&P 500 composite's +3.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]