Southern First Q2 EPS $0.81, up 119% YoY; NIM expands to 2.50%

SOUTHERN FIRST BANCSHARES INC

2025-Q2 EPS reported $1.46 revenue$2,993,000

Diluted EPS of $0.81 vs $0.37 in Q2 2024 (+119%) and $0.65 in Q1 2025 (+25%).
Net interest margin (tax-equivalent) rose to 2.50% from 1.98% a year ago and 2.41% last quarter.
Total revenue $28.6M, up 24% YoY; net income $6.6M vs $3.0M in Q2 2024.
Loans grew to $3.75B, up 7% annualized from Q1; nonperforming assets remained low at 0.27%.
Book value per share $42.23, up 8% YoY; TCE ratio 8.02%.

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