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AI brief of an SEC Form 8-K · SOUTHERN FIRST BANCSHARES INC (SFST)

Southern First Q3 net income rises 41% to $12.2 million, diluted EPS $1.28

Positive Impact 3 of 5 earnings Written later

Southern First Bancshares reported third-quarter 2026 results for the period ended September 30, 2026. Net income was $12.2 million, up 41% from a year earlier, and diluted earnings per share were $1.28, up 21%, driven by 26% growth in net interest income. Noninterest income fell 20% year over year, to $2.9 million.

Key points

  • Net income $12.2 million, up 41% year over year and up 9% from the second quarter of 2026
  • Diluted EPS $1.28 versus $1.06 in the third quarter of 2025; net interest margin 3.02% versus 2.62%
  • Total loans $4.2 billion, up 14% annualized from the second quarter; retail deposits $3.7 billion
  • Noninterest income $2.9 million, down from $3.6 million, as the bank retained more mortgage loans instead of selling them

The filing

CompanySOUTHERN FIRST BANCSHARES INC (SFST)
Form8-K, current report
Filed with the SECOct 20, 2026, 8:30 AM ET
Accession number0001206774-26-000563

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:36 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 20, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.