{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-25-000458","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.312215+00:00","generated_at":"2026-05-18T04:07:23.482112+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 Q2 EPS $0.81, up 119% YoY; NIM expands to 2.50%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-25-000458","json":"https://secwatch.observer/filing/0001206774-25-000458.json","markdown":"https://secwatch.observer/filing/0001206774-25-000458.md","text":"https://secwatch.observer/filing/0001206774-25-000458.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000458/0001206774-25-000458-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000458/sfst4512731-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:07:23.482112+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"}