---
schema_version: "secwatch.filing_event.v1"
accession: "0001206774-25-000731"
form_type: "8-K"
ticker: "SFST"
cik: "0001090009"
company_name: "SOUTHERN FIRST BANCSHARES INC"
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T01:51:49.036263+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Southern First Q3 diluted EPS $1.07, up 98% YoY; NIM expands to 2.62%

## Summary
- Net income $8.7M vs $4.4M in Q3 2024; diluted EPS $1.07 vs $0.54 (+98%).
- Net interest margin (tax-equivalent) 2.62%, up 54 bps YoY from 2.08%.
- Total loans $3.79B (+4% annualized QoQ); core deposits $2.88B (+2% annualized QoQ).
- Efficiency ratio improved to 60.86% from 75.90% a year ago.
- Nonperforming assets / total assets held at 0.27%; allowance 1.10% of loans.

## SEC filing metadata
- accession: 0001206774-25-000731
- form_type: 8-K
- ticker: SFST
- cik: 0001090009
- company_name: SOUTHERN FIRST BANCSHARES INC
- filed_at: 2025-10-28T23:59:59+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/1090009/000120677425000731/0001206774-25-000731-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1090009/000120677425000731/sfst4551931-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001206774-25-000731
- JSON: https://secwatch.observer/filing/0001206774-25-000731.json
- Plain text: https://secwatch.observer/filing/0001206774-25-000731.txt

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