Southern First Q4 EPS $1.21, up 13% QoQ; NIM expands to 2.72%

SOUTHERN FIRST BANCSHARES INC

2025-FY EPS reported $3.72 revenue$6,282,000

Diluted EPS $1.21, up 13% from Q3 2025 and up 73% from Q4 2024.
Net interest margin 2.72%, up 10 bps QoQ and 47 bps YoY.
Total loans $3.85B (+6% YoY); deposits $3.72B (+8% YoY).
Nonperforming assets to total assets 0.32%, up from 0.27% prior quarter.
Book value per share $44.89, up 3% QoQ and 11% YoY.

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