{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-22-000229","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2022-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.387489+00:00","generated_at":"2026-06-27T15:45:55.511304+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Q4 net income $12.0M ($1.49 EPS) vs $8.6M ($1.10) YoY; loans up 16%","bullets":["Net income $12.0M for Q4 2021 vs $8.6M in Q4 2020; diluted EPS $1.49 vs $1.10.","Total loans $2.49B (+16.2% YoY); deposits $2.56B (+19.7% YoY).","Net interest margin 3.35% (tax-equivalent), down 20 bps YoY due to yield compression.","Reversal of provision for loan losses $4.2M in Q4 vs $2.3M provision in Q4 2020.","Expects CECL adoption on Jan 1, 2022 with retained earnings charge of $3.5M-$7.0M."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-22-000229","json":"https://secwatch.observer/filing/0001206774-22-000229.json","markdown":"https://secwatch.observer/filing/0001206774-22-000229.md","text":"https://secwatch.observer/filing/0001206774-22-000229.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422000229/0001206774-22-000229-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422000229/sfst4013201-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:45:55.511304+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}