Donegal Group Inc. (DGICB) vs Southern First Bancshares, Inc. (SFST)
A side-by-side comparison of Donegal Group Inc. and Southern First Bancshares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — DGICB vs SFST
growth of $100 · dividends reinvested · last 10yDGICB vs SFST: by the numbers
- •SFST is the larger company ($571M vs $545M market cap).
- •DGICB trades at the lower trailing earnings multiple (8.47 vs 12.91 P/E), one valuation lens rather than an overall verdict.
- •SFST converts more revenue to profit (18.71% vs 7.38% net margin).
- •SFST grew revenue faster over the past five years (15.98% vs 3.86% CAGR).
- •DGICB pays a dividend (3.89% yield), while SFST has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | DGICB | SFST |
|---|---|---|
| P/E ratio | 8.47 | 12.91 |
| Forward P/E | 9.32 | 12.09 |
| PEG ratio | 2.38 | 1.31 |
| P/S ratio | 0.57 | 2.70 |
| P/B ratio | 0.82 | 1.26 |
Profitability
| Metric | DGICB | SFST |
|---|---|---|
| Operating margin | 9.10% | 24.12% |
| Net margin | 7.38% | 18.71% |
| ROE | 10.67% | 8.76% |
Donegal Group Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Southern First Bancshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | DGICB | SFST |
|---|---|---|
| Dividend yield | 3.89% | N/A |
| Payout ratio | 34.34% | N/A |
Growth (annualized)
| Metric | DGICB | SFST |
|---|---|---|
| Revenue CAGR (5Y) | 3.86% | 15.98% |
| EPS CAGR (5Y) | 4.28% | 9.73% |
| Total return CAGR (5Y) | 7.50% | 2.17% |
Frequently asked
- Which has the lower trailing P/E, DGICB or SFST?
- DGICB has the lower trailing P/E: DGICB trades at 8.47 and SFST at 12.91. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, DGICB or SFST?
- Over the past five years, SFST grew revenue faster — DGICB at a 3.86% CAGR versus SFST at 15.98%.
- Does DGICB or SFST pay a bigger dividend?
- DGICB pays a dividend (3.89% yield), while SFST has no payments in the available dividend history.
- Is DGICB or SFST more profitable?
- SFST runs the higher net margin — DGICB at 7.38% versus SFST at 18.71%.
- How have DGICB and SFST total returns compared?
- Over the past 10 years, DGICB delivered 2.95% and SFST delivered 8.45% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Donegal & Southern First Bancshares appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.