---
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"
generated_at: "2026-05-27T07:54:10.985328+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001206774-25-000031
- JSON: https://secwatch.observer/filing/0001206774-25-000031.json
- Plain text: https://secwatch.observer/filing/0001206774-25-000031.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.