---
schema_version: "secwatch.filing_event.v1"
accession: "0001206774-26-000359"
form_type: "8-K"
ticker: "SFST"
cik: "0001090009"
company_name: "SOUTHERN FIRST BANCSHARES INC"
filed_at: "2026-07-21T12:30:36+00:00"
generated_at: "2026-07-21T12:35:12.189362+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Southern First Q2 net income $11.2M, EPS $1.20, up 48% YoY; raises $65.2M in equity

## Summary
- Net income $11.2M, diluted EPS $1.20, up 48% from $0.81 in Q2 2025.
- Total revenue $35.9M (+25% YoY); net interest income $32.4M (+28% YoY) on loan growth.
- Loans $4.03B (+9% annualized QoQ); retail deposits $3.56B (+22% annualized QoQ).
- Raised $65.2M gross proceeds from 1.2M common shares; redeemed $11.5M subordinated notes.
- CET1 ratio 12.82% (up from 10.71% YoY); TCE ratio 9.62% (up from 8.02% YoY).

## SEC filing metadata
- accession: 0001206774-26-000359
- form_type: 8-K
- ticker: SFST
- cik: 0001090009
- company_name: SOUTHERN FIRST BANCSHARES INC
- filed_at: 2026-07-21T12:30:36+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1090009/000120677426000359/0001206774-26-000359-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1090009/000120677426000359/sfst4665911-8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001206774-26-000359
- JSON: https://secwatch.observer/filing/0001206774-26-000359.json
- Plain text: https://secwatch.observer/filing/0001206774-26-000359.txt

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