{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-23-001196","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.188792+00:00","generated_at":"2026-06-09T19:42:33.690878+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Southern First Q3 2023 net income $4.1M ($0.51 EPS); NIM falls to 1.97% from 3.19% YoY","bullets":["Net income $4.1M ($0.51 diluted) vs $2.5M Q2 2023 and $8.4M Q3 2022.","Net interest margin (tax-equivalent) 1.97%, down 8 bps QoQ and 122 bps YoY.","Loans $3.55B (+17% YoY); core deposits flat at $2.9B; total deposits $3.35B.","Credit quality: NPAs/Assets 0.11%, net recoveries $126k; ACL/loans 1.16%.","Book value per share $37.57, up 4% YoY; CET1 ratio improved to 10.17%."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-23-001196","json":"https://secwatch.observer/filing/0001206774-23-001196.json","markdown":"https://secwatch.observer/filing/0001206774-23-001196.md","text":"https://secwatch.observer/filing/0001206774-23-001196.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677423001196/0001206774-23-001196-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677423001196/sfst4255921-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T19:42:33.690878+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":[{"claim_id":"58791a7d2b2793eefd24264b004c5ea3f81ad5f5","claim":"SOUTHERN FIRST BANCSHARES INC reported three-month period ended September 30, 2023 results: net income Net income was $4.1 million, EPS diluted earnings per common share were $0.51 for Q3 2023.","evidence_excerpt":"On October 19, 2023, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1090009/000120677423001196/0001206774-23-001196-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three-month period ended September 30, 2023"},{"label":"Net income","value":"Net income was $4.1 million"},{"label":"EPS","value":"diluted earnings per common share were $0.51 for Q3 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}