---
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"
generated_at: "2026-05-18T04:07:23.482112+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1090009/000120677425000458/0001206774-25-000458-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1090009/000120677425000458/sfst4512731-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001206774-25-000458
- JSON: https://secwatch.observer/filing/0001206774-25-000458.json
- Plain text: https://secwatch.observer/filing/0001206774-25-000458.txt

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