Southern First Bancshares (SFST) Debt/Equity Ratio: History & Chart

Southern First Bancshares, Inc.(SFST)

Banks - Regional · Greenville, SC

$60.44-0.23 (-0.38%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About Southern First Bancshares, Inc.

Southern First Bancshares, Inc. acts as the parent organization for Southern First Bank, providing a comprehensive range of banking and financial services to individuals and businesses in South Carolina, North Carolina, and Georgia. Its operations are structured into three primary divisions: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The institution accepts various deposit products, including standard and commercial checking accounts, savings accounts, money market accounts, and long-term certificates of deposit. Its diverse loan offerings encompass commercial and construction real estate, business financing for sectors such as manufacturing, service, and professional services, alongside consumer real estate and home equity loans. Furthermore, it extends other consumer credit options like secured and unsecured installment loans and revolving lines of credit. Complementary services include online and mobile banking, cash management, safe deposit boxes, direct deposit, automated drafts, and bill payment. The company operates eight retail branches in South Carolina (Greenville, Charleston, and Columbia), three in North Carolina (Raleigh, Greensboro, and Charlotte areas), and one in Atlanta, Georgia. Founded in 1999, Southern First Bancshares, Inc. is based in Greenville, South Carolina.

Greenville, SC

315 employees

www.southernfirst.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: R. Arthur Seaver Jr.

View full financials

SFST Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.62

DEBT TO EQUITY RATIO AVG TTM

0.71

DEBT TO EQUITY RATIO AVG 3Y

0.80

DEBT TO EQUITY RATIO AVG 5Y

0.61

DEBT TO EQUITY RATIO AVG 10Y

0.57

DEBT TO EQUITY RATIO AVG 15Y

1.01

DEBT TO EQUITY RATIO AVG 20Y

1.65

CURRENT VS TTM AVG

-12.65%

CURRENT VS 3Y AVG

-22.74%

CURRENT VS 5Y AVG

+1.19%

CURRENT VS 10Y AVG

+9.50%

CURRENT VS 15Y AVG

-38.41%

CURRENT VS 20Y AVG

-62.34%

SECTOR MEDIAN · FINANCIAL SERVICES

0.28

median of 700 covered companies

CURRENT VS SECTOR MEDIAN

+121.29%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Southern First Bancshares, Inc. (SFST)	$571.47M	0.62	0.71	0.80	0.61
Gemini Space Station, Inc. (GEMI)vs ›	$570.58M	1.11	1.22	1.22	1.22
Bridgewater Bancshares, Inc. (BWB)vs ›	$567.99M	0.79	0.98	1.04	0.84
Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs ›	$564.90M	0.76	0.72	0.71	0.67
Kearny Financial Corp. (KRNY)vs ›	$580.24M	1.50	1.59	1.76	1.45
Bridgewater Bancshares, Inc. (BWBBP)vs ›	$560.55M	0.79	0.98	1.04	0.84
Greene County Bancorp, Inc. (GCBC)vs ›	$585.17M	0.56	0.55	0.58	0.60
Civista Bancshares, Inc. (CIVB)vs ›	$555.12M	0.40	0.84	1.21	0.98
Community West Bancshares (CWBC)vs ›	$554.79M	0.41	0.46	0.57	0.42
Unity Bancorp, Inc. (UNTY)vs ›	$554.56M	0.88	0.78	1.15	1.02

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Southern First Bancshares, Inc. (SFST)

$571.47M

0.62

0.71

0.80

0.61

Gemini Space Station, Inc. (GEMI)vs ›

$570.58M

1.11

1.22

Bridgewater Bancshares, Inc. (BWB)vs ›

$567.99M

0.79

0.98

1.04

0.84

Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs ›

$564.90M

0.76

0.72

0.71

0.67

Kearny Financial Corp. (KRNY)vs ›

$580.24M

1.50

1.59

1.76

1.45

Bridgewater Bancshares, Inc. (BWBBP)vs ›

$560.55M

0.79

0.98

1.04

0.84

Greene County Bancorp, Inc. (GCBC)vs ›

$585.17M

0.56

0.55

0.58

0.60

Civista Bancshares, Inc. (CIVB)vs ›

$555.12M

0.40

0.84

1.21

0.98

Community West Bancshares (CWBC)vs ›

$554.79M

0.41

0.46

0.57

0.42

Unity Bancorp, Inc. (UNTY)vs ›

$554.56M

0.88

0.78

1.15

1.02

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Southern First Bancshares, Inc. (SFST)?

The debt to equity ratio for SFST stock is 0.62.

Is Southern First Bancshares, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 0.62 is in line with its 5-year average of 0.61, around the middle of its 5-year range (0.13–1.02).

What is the TTM average debt to equity ratio for Southern First Bancshares, Inc. (SFST)?

The TTM average debt to equity ratio for SFST stock is 0.71.

What is the 3Y average debt to equity ratio for Southern First Bancshares, Inc. (SFST)?

The 3Y average debt to equity ratio for SFST stock is 0.80.

What is the 5Y average debt to equity ratio for Southern First Bancshares, Inc. (SFST)?

The 5Y average debt to equity ratio for SFST stock is 0.61.

What is the 10Y average debt to equity ratio for Southern First Bancshares, Inc. (SFST)?

The 10Y average debt to equity ratio for SFST stock is 0.57.

What is the 15Y average debt to equity ratio for Southern First Bancshares, Inc. (SFST)?

The 15Y average debt to equity ratio for SFST stock is 1.01.

What is the 20Y average debt to equity ratio for Southern First Bancshares, Inc. (SFST)?

The 20Y average debt to equity ratio for SFST stock is 1.65.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.62
2026-03-31	0.70
2025-12-31	0.72
2025-09-30	0.74
2025-06-30	0.77
2025-03-31	0.78
2024-12-31	0.80
2024-09-30	0.81
2024-06-30	0.87
2024-03-31	0.88
2023-12-31	1.00
2023-09-30	1.02
2023-06-30	0.72
2023-03-31	0.54
2022-12-31	0.72
2022-09-30	0.33
2022-06-30	0.30
2022-03-31	0.13
2021-12-31	0.13
2021-09-30	0.14
2021-06-30	0.14
2021-03-31	0.15
2020-12-31	0.27
2020-09-30	0.16
2020-06-30	0.17
2020-03-31	0.48
2019-12-31	0.71
2019-09-30	0.31
2019-06-30	0.20
2019-03-31	0.21
2018-12-31	0.36
2018-09-30	0.49
2018-06-30	0.26
2018-03-31	0.27
2017-12-31	0.54
2017-09-30	0.36
2017-06-30	0.61
2017-03-31	1.15
2016-12-31	1.17
2016-09-30	1.21
2016-06-30	1.26
2016-03-31	1.31
2015-12-31	1.36
2015-09-30	1.41
2015-06-30	1.47
2015-03-31	1.51
2014-12-31	1.79
2014-09-30	2.08
2014-06-30	1.95
2014-03-31	1.97
2013-12-31	2.09
2013-09-30	2.64
2013-06-30	2.16
2013-03-31	2.13
2012-12-31	2.35
2012-09-30	2.17
2012-06-30	2.15
2012-03-31	2.16
2011-12-31	4.14
2011-09-30	2.20
2011-06-30	2.24
2011-03-31	2.28
2010-12-31	2.30
2010-09-30	2.26
2010-06-30	2.34
2010-03-31	2.67
2009-12-31	2.68
2009-09-30	2.87
2009-06-30	3.07
2009-03-31	2.90
2008-12-31	4.48
2008-09-30	4.65
2008-06-30	4.43
2008-03-31	4.34
2007-12-31	4.49
2007-09-30	4.23
2007-06-30	4.12
2007-03-31	3.70
2006-12-31	3.52
2006-09-30	3.54
2006-06-30	3.90
2006-03-31	3.41
2005-12-31	3.53
2005-09-30	3.41
2005-06-30	3.24
2005-03-31	3.20
2004-12-31	2.85
2004-09-30	3.16
2004-06-30	6.80
2004-03-31	6.13
2003-12-31	4.29
2003-09-30	4.33
2003-06-30	3.34
2003-03-31	3.05
2002-12-31	2.49
2002-09-30	1.66

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.62

2026-03-31

0.70

2025-12-31

0.72

2025-09-30

0.74

2025-06-30

0.77

2025-03-31

0.78

2024-12-31

0.80

2024-09-30

0.81

2024-06-30

0.87

2024-03-31

0.88

2023-12-31

1.00

2023-09-30

1.02

2023-06-30

0.72

2023-03-31

0.54

2022-12-31

0.72

2022-09-30

0.33

2022-06-30

0.30

2022-03-31

0.13

2021-12-31

0.13

2021-09-30

0.14

2021-06-30

0.14

2021-03-31

0.15

2020-12-31

0.27

2020-09-30

0.16

2020-06-30

0.17

2020-03-31

0.48

2019-12-31

0.71

2019-09-30

0.31

2019-06-30

0.20

2019-03-31

0.21

2018-12-31

0.36

2018-09-30

0.49

2018-06-30

0.26

2018-03-31

0.27

2017-12-31

0.54

2017-09-30

0.36

2017-06-30

0.61

2017-03-31

1.15

2016-12-31

1.17

2016-09-30

1.21

2016-06-30

1.26

2016-03-31

1.31

2015-12-31

1.36

2015-09-30

1.41

2015-06-30

1.47

2015-03-31

1.51

2014-12-31

1.79

2014-09-30

2.08

2014-06-30

1.95

2014-03-31

1.97

2013-12-31

2.09

2013-09-30

2.64

2013-06-30

2.16

2013-03-31

2.13

2012-12-31

2.35

2012-09-30

2.17

2012-06-30

2.15

2012-03-31

2.16

2011-12-31

4.14

2011-09-30

2.20

2011-06-30

2.24

2011-03-31

2.28

2010-12-31

2.30

2010-09-30

2.26

2010-06-30

2.34

2010-03-31

2.67

2009-12-31

2.68

2009-09-30

2.87

2009-06-30

3.07

2009-03-31

2.90

2008-12-31

4.48

2008-09-30

4.65

2008-06-30

4.43

2008-03-31

4.34

2007-12-31

4.49

2007-09-30

4.23

2007-06-30

4.12

2007-03-31

3.70

2006-12-31

3.52

2006-09-30

3.54

2006-06-30

3.90

2006-03-31

3.41

2005-12-31

3.53

2005-09-30

3.41

2005-06-30

3.24

2005-03-31

3.20

2004-12-31

2.85

2004-09-30

3.16

2004-06-30

6.80

2004-03-31

6.13

2003-12-31

4.29

2003-09-30

4.33

2003-06-30

3.34

2003-03-31

3.05

2002-12-31

2.49

2002-09-30

1.66

Debt to Equity Ratio: 0.62

SFST Debt to Equity Ratio

SFST Average Debt to Equity Ratio Chart

SFST Current vs Average Debt to Equity Ratio Chart

SFST Debt to Equity Ratio Metrics

SFST Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

SFST Debt to Equity Ratio History

Related Metrics