---
schema_version: "secwatch.filing_event.v1"
accession: "0001206774-26-000043"
form_type: "8-K"
ticker: "SFST"
cik: "0001090009"
company_name: "SOUTHERN FIRST BANCSHARES INC"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T08:40:52.283047+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001206774-26-000043
- form_type: 8-K
- ticker: SFST
- cik: 0001090009
- company_name: SOUTHERN FIRST BANCSHARES INC
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 5.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1090009/000120677426000043/0001206774-26-000043-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1090009/000120677426000043/sfst4585581-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001206774-26-000043
- JSON: https://secwatch.observer/filing/0001206774-26-000043.json
- Plain text: https://secwatch.observer/filing/0001206774-26-000043.txt

## Key facts
- Governance Changes
  SOUTHERN FIRST BANCSHARES INC: Amended Bylaws to authorize the Nominating and Corporate Governance Committee to determine compensation of Emeritus Directors (effective 2026-01-20).
  - Change: bylaw amendment
  - Effective: 2026-01-20
  source text: On January 20, 2026, the Board of Directors of Southern First Bancshares (the “Company”) amended the Company’s Amended and Restated Bylaws (the “Bylaws”) to authorize the Nominating and Corporate Governance Committee of the Company to determine the compensation of Emeritus Directors.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1090009/000120677426000043/0001206774-26-000043-index.htm

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