SFST— SOUTHERN FIRST BANCSHARES INC

FinancialsNational Commercial Banks$603M mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Loans	$198.1M+6.0%	$186.9M+12.5%	$166.1M+45.4%	$114.2M
Investment securities	$5.4M-7.6%	$5.8M+30.2%	$4.5M+124.3%	$2.0M
Federal funds sold and interest-bearing deposits with banks	$8.0M-6.7%	$8.5M+22.0%	$7.0M+386.3%	$1.4M
Total interest income	$211.5M+5.1%	$201.2M+13.3%	$177.6M+50.9%	$117.7M
Deposits	$95.6M-12.1%	$108.8M+19.0%	$91.4M+404.8%	$18.1M
Borrowings	$10.9M-2.8%	$11.2M+30.9%	$8.6M+342.0%	$1.9M
Total interest expense	$106.5M-11.2%	$120.0M+20.1%	$99.9M+398.7%	$20.0M
Net interest income	$105.0M+29.2%	$81.2M+4.6%	$77.7M-20.5%	$97.6M
Provision for credit losses	$3.0M+2260.0%	$125K-90.1%	$1.3M-79.5%	$6.2M
Net interest income after provision for credit losses	$102.0M+25.8%	$81.1M+6.2%	$76.4M-16.5%	$91.5M
Mortgage banking income	$6.3M+13.0%	$5.6M+37.8%	$4.0M-3.9%	$4.2M
Service fees on deposit accounts	$2.4M+34.1%	$1.8M+27.6%	$1.4M+9.2%	$1.3M
ATM and debit card income	$2.4M+1.7%	$2.3M+4.1%	$2.2M+3.8%	$2.2M
Income from bank owned life insurance	$1.7M+8.7%	$1.6M+13.8%	$1.4M+7.0%	$1.3M
Loss on sale of investment securities	-$515K	—	—	—
Other income	$924K+1.4%	$911K+11.4%	$818K-22.8%	$1.1M
Total noninterest income	$13.1M+8.2%	$12.1M+23.1%	$9.9M+2.9%	$9.6M
Compensation and benefits	$44.8M+2.9%	$43.5M+8.1%	$40.3M+3.8%	$38.8M
Occupancy	$10.0M-3.0%	$10.3M+0.4%	$10.3M+12.6%	$9.1M
Outside service and data processing costs	$8.5M+10.2%	$7.7M+9.4%	$7.1M+15.8%	$6.1M
Insurance	$3.9M-3.7%	$4.0M+6.8%	$3.8M+123.4%	$1.7M
Professional fees	$2.5M+2.1%	$2.4M-3.7%	$2.5M-5.3%	$2.6M
Marketing	$1.5M+8.3%	$1.4M+4.1%	$1.4M+11.6%	$1.2M
Other	$4.4M+11.5%	$3.9M+8.6%	$3.6M+6.2%	$3.4M
Total noninterest expenses	$75.5M+3.0%	$73.3M+6.5%	$68.8M+9.4%	$62.9M
Income before income tax expense	$39.6M+98.9%	$19.9M+14.3%	$17.4M-54.3%	$38.1M
Income tax expense	$9.2M+110.8%	$4.4M+9.5%	$4.0M-55.5%	$9.0M
Net income available to common shareholders	$30.4M+95.5%	$15.5M+15.7%	$13.4M-53.9%	$29.1M
Basic	$8.09B+0.1%	$8.08B+0.4%	$8.05B+1.1%	$7.96B
Diluted	$8.16B+0.5%	$8.12B+0.5%	$8.08B+0.1%	$8.07B

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.