Southern First Q4 2024 EPS $0.70, net income up 30% QoQ; NIM 2.25% up 33bp YoY

SOUTHERN FIRST BANCSHARES INC

2024-FY EPS reported $1.91 revenue$5,560,000

Net income $5.6M ($0.70 diluted EPS) vs $4.4M in Q3 2024 and $4.2M in Q4 2023.
Net interest margin (tax-equivalent) 2.25%, up 17bp QoQ and 33bp YoY; net interest income $22.5M.
Total loans $3.63B, total deposits $3.44B; nonperforming assets 0.27% of total assets.
Book value per share $40.47, TCE ratio 8.08%; capital ratios remain strong.
Reversal of provision for credit losses $200K; net charge-offs $2K (annualized 0.00%).

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.