Southern First Q1 net income $9.9M, EPS $1.19 (+83% YoY); NIM expands to 2.88%

SOUTHERN FIRST BANCSHARES INC

2026-Q1 EPS reported $1.19 revenue$1,493,000

Diluted EPS $1.19 vs $0.65 YoY; net income $9.9M, up 88% from $5.3M.
NIM 2.88% (+16 bps QoQ, +47 bps YoY); net interest income up 29% YoY.
Loans $3.9B, up $97M (10% annualized) from Q4; retail deposit growth record $210M.
Completed public offering of 1.21M shares at $54, gross proceeds $65.2M on April 17.
NPAs 0.26% (down from 0.32% Q4); net charge-offs 0.01%; allowance 1.10%.

item 2.02item 7.01item 9.01

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.