secwatch.observer — SEC 8-K summary
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Issuer:     SOUTHERN FIRST BANCSHARES INC (SFST)
CIK:        0001090009
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001206774-26-000043
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 5.03, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1090009/000120677426000043/0001206774-26-000043-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1090009/000120677426000043/sfst4585581-8k.htm
  HTML page:      https://secwatch.observer/filing/0001206774-26-000043

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