{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-25-000031","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.904228+00:00","generated_at":"2026-05-27T07:54:10.985328+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":"Southern First Q4 2024 EPS $0.70, net income up 30% QoQ; NIM 2.25% up 33bp YoY","bullets":["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%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-25-000031","json":"https://secwatch.observer/filing/0001206774-25-000031.json","markdown":"https://secwatch.observer/filing/0001206774-25-000031.md","text":"https://secwatch.observer/filing/0001206774-25-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000031/0001206774-25-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000031/sfst4432111-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:54:10.985328+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"}