{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-26-000230","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2026-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.936169+00:00","generated_at":"2026-05-15T05:03:04.807317+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Southern First Q1 net income $9.9M, EPS $1.19 (+83% YoY); NIM expands to 2.88%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-26-000230","json":"https://secwatch.observer/filing/0001206774-26-000230.json","markdown":"https://secwatch.observer/filing/0001206774-26-000230.md","text":"https://secwatch.observer/filing/0001206774-26-000230.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677426000230/0001206774-26-000230-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677426000230/sfst4624051-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:03:04.807317+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"d59b1d248ca7a821f36090877b75edf1529fa7c3","claim":"SOUTHERN FIRST BANCSHARES INC reported the three months ended March 31, 2026 results: revenue $33.8 million, net income $9.9 million, EPS $1.19.","evidence_excerpt":"by $0.01 from the fourth quarter of 2025 ● Net income improved to $9.9 million, a $4.6 million increase, or 88%, compared to the first quarter of 2025 ● Total revenue was $33.8 million, an increase of $7.3 million, or 28%, year-over-year and $2.0 million on a linked quarter basis ● Net interest income improved by $6.9 million, or 29% year-over-year, driven","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1090009/000120677426000230/0001206774-26-000230-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Revenue","value":"$33.8 million"},{"label":"Net income","value":"$9.9 million"},{"label":"EPS","value":"$1.19"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}