secwatch.observer — SEC 8-K summary
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Issuer:     SOUTHERN FIRST BANCSHARES INC (SFST)
CIK:        0001090009
Form:       8-K
Filed at:   2025-07-22T23:59:59+00:00
Accession:  0001206774-25-000458
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1090009/000120677425000458/0001206774-25-000458-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1090009/000120677425000458/sfst4512731-8k.htm
  HTML page:      https://secwatch.observer/filing/0001206774-25-000458

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer