Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 12.91 is in line with its 5-year average of 14.18, around the middle of its 5-year range (6.70–25.78).
As of 2026-10-06T20:32:56.166Z. 13.35% below its 12-month average of 14.90.
Calculation as of: 2026-10-06T20:32:56.166Z.
Quote observation: 2026-10-06T20:00:00.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: b321b910a26c5594b842b8bde0ac706d0878da2cb14ff430af8cffe787c650f3
PE Ratio (12.91) = Close Price ($60.44) / Diluted TTM EPS ($4.68)
PE RATIO
12.91
PE RATIO AVG TTM
14.90
PE RATIO AVG 3Y
16.84
PE RATIO AVG 5Y
14.18
PE RATIO AVG 10Y
15.00
PE RATIO AVG 15Y
15.62
PE RATIO AVG 20Y
15.79
CURRENT VS TTM AVG
-13.35%
CURRENT VS 3Y AVG
-23.35%
CURRENT VS 5Y AVG
-8.96%
CURRENT VS 10Y AVG
-13.94%
CURRENT VS 15Y AVG
-17.36%
CURRENT VS 20Y AVG
-18.26%
SECTOR MEDIAN · FINANCIAL SERVICES
13.79
median of 554 covered companies
CURRENT VS SECTOR MEDIAN
-6.35%
vs the sector median at left
Southern First Bancshares, Inc.
Market Cap
$571.47M
PE Ratio
12.91
TTM Avg
14.90
3Y Avg
16.84
5Y Avg
14.18
Market Cap
$567.99M
PE Ratio
11.07
TTM Avg
12.40
3Y Avg
11.88
5Y Avg
11.11
Market Cap
$564.90M
PE Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$560.55M
PE Ratio
10.52
TTM Avg
13.09
3Y Avg
15.12
5Y Avg
14.78
Market Cap
$585.17M
PE Ratio
14.26
TTM Avg
12.34
3Y Avg
15.74
5Y Avg
15.38
Market Cap
$554.79M
PE Ratio
14.25
TTM Avg
12.86
3Y Avg
16.58
5Y Avg
13.41
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Southern First Bancshares, Inc. (SFST) | $571.47M | 12.91 | 14.90 | 16.84 | 14.18 |
| Gemini Space Station, Inc. (GEMI)vs › | $570.58M | N/A | N/A | N/A | N/A |
| Bridgewater Bancshares, Inc. (BWB)vs › | $567.99M | 11.07 | 12.40 | 11.88 | 11.11 |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $564.90M | N/A | N/A | N/A | N/A |
| Kearny Financial Corp. (KRNY)vs › | $580.24M | 16.18 | 15.68 | 15.90 | 14.22 |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 10.52 | 13.09 | 15.12 | 14.78 |
| Greene County Bancorp, Inc. (GCBC)vs › | $585.17M | 14.26 | 12.34 | 15.74 | 15.38 |
| Civista Bancshares, Inc. (CIVB)vs › | $555.12M | 9.89 | 9.23 | 8.41 | 8.31 |
| Community West Bancshares (CWBC)vs › | $554.79M | 14.25 | 12.86 | 16.58 | 13.41 |
| Unity Bancorp, Inc. (UNTY)vs › | $554.56M | 9.61 | 9.71 | 9.37 | 8.66 |
At 12.9, P/E is below its 20-year median — higher than 26% of readings in its 20-year history.
20-year low
6.0
median
15.7
20-year high
85.6
Trailing P/E
12.9
Forward P/E
12.1
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$60.44
Forward EPS (Est.)
$5.00
Forward P/E
12.09
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 12.96 |
| 2026-10-02 | 13.00 |
| 2026-10-01 | 12.79 |
| 2026-09-30 | 12.66 |
| 2026-09-29 | 12.72 |
| 2026-09-28 | 12.81 |
| 2026-09-25 | 12.95 |
| 2026-09-24 | 12.85 |
| 2026-09-23 | 12.79 |
| 2026-09-22 | 12.93 |
| 2026-09-21 | 13.08 |
| 2026-09-18 | 13.18 |
| 2026-09-17 | 13.21 |
| 2026-09-16 | 13.09 |
| 2026-09-15 | 13.57 |
| 2026-09-14 | 13.48 |
| 2026-09-11 | 13.49 |
| 2026-09-10 | 13.55 |
| 2026-09-09 | 13.29 |
| 2026-09-08 | 13.42 |
| 2026-09-04 | 13.61 |
| 2026-09-03 | 13.44 |
| 2026-09-02 | 13.37 |
| 2026-09-01 | 12.99 |
| 2026-08-31 | 13.11 |
| 2026-08-28 | 13.30 |
| 2026-08-27 | 13.29 |
| 2026-08-26 | 13.24 |
| 2026-08-25 | 13.27 |
| 2026-08-24 | 13.46 |
| 2026-08-21 | 13.47 |
| 2026-08-20 | 13.42 |
| 2026-08-19 | 13.36 |
| 2026-08-18 | 13.72 |
| 2026-08-17 | 13.75 |
| 2026-08-14 | 13.71 |
| 2026-08-13 | 13.80 |
| 2026-08-12 | 13.70 |
| 2026-08-11 | 13.59 |
| 2026-08-10 | 13.41 |
| 2026-08-07 | 13.53 |
| 2026-08-06 | 13.63 |
| 2026-08-05 | 13.71 |
| 2026-08-04 | 13.70 |
| 2026-08-03 | 14.79 |
| 2026-07-31 | 14.55 |
| 2026-07-30 | 14.25 |
| 2026-07-29 | 14.30 |
| 2026-07-28 | 14.57 |
| 2026-07-27 | 14.36 |
| 2026-07-24 | 14.33 |
| 2026-07-23 | 14.11 |
| 2026-07-22 | 14.07 |
| 2026-07-21 | 14.39 |
| 2026-07-20 | 14.31 |
| 2026-07-17 | 14.50 |
| 2026-07-16 | 14.85 |
| 2026-07-15 | 14.41 |
| 2026-07-14 | 14.31 |
| 2026-07-13 | 14.38 |
| 2026-07-10 | 14.16 |
| 2026-07-09 | 14.19 |
| 2026-07-08 | 13.86 |
| 2026-07-07 | 14.25 |
| 2026-07-06 | 14.28 |
| 2026-07-02 | 14.26 |
| 2026-07-01 | 14.57 |
| 2026-06-30 | 14.24 |
| 2026-06-29 | 14.22 |
| 2026-06-26 | 14.27 |
| 2026-06-25 | 13.83 |
| 2026-06-24 | 13.98 |
| 2026-06-23 | 13.92 |
| 2026-06-22 | 13.69 |
| 2026-06-18 | 13.53 |
| 2026-06-17 | 13.51 |
| 2026-06-16 | 13.72 |
| 2026-06-15 | 13.70 |
| 2026-06-12 | 14.14 |
| 2026-06-11 | 14.34 |
| 2026-06-10 | 14.11 |
| 2026-06-09 | 13.99 |
| 2026-06-08 | 13.92 |
| 2026-06-05 | 13.75 |
| 2026-06-04 | 13.62 |
| 2026-06-03 | 13.10 |
| 2026-06-02 | 13.57 |
| 2026-06-01 | 13.35 |
| 2026-05-29 | 13.47 |
| 2026-05-28 | 13.48 |
| 2026-05-27 | 13.40 |
| 2026-05-26 | 13.46 |
| 2026-05-22 | 13.36 |
| 2026-05-21 | 13.30 |
| 2026-05-20 | 13.14 |
| 2026-05-19 | 12.99 |
| 2026-05-18 | 13.03 |
| 2026-05-15 | 12.82 |
| 2026-05-14 | 13.00 |
| 2026-05-13 | 12.99 |
| 2026-05-12 | 13.07 |
| 2026-05-11 | 13.10 |
| 2026-05-08 | 13.12 |
| 2026-05-07 | 13.25 |
| 2026-05-06 | 13.26 |
| 2026-05-05 | 13.23 |
| 2026-05-04 | 13.03 |
| 2026-05-01 | 15.19 |
| 2026-04-30 | 15.05 |
| 2026-04-29 | 14.93 |
| 2026-04-28 | 15.44 |
| 2026-04-27 | 15.06 |
| 2026-04-24 | 15.06 |
| 2026-04-23 | 15.15 |
| 2026-04-22 | 15.16 |
| 2026-04-21 | 15.09 |
| 2026-04-20 | 15.00 |
| 2026-04-17 | 15.45 |
| 2026-04-16 | 14.74 |
| 2026-04-15 | 15.74 |
| 2026-04-14 | 15.74 |
| 2026-04-13 | 15.65 |
| 2026-04-10 | 15.62 |
| 2026-04-09 | 15.92 |
| 2026-04-08 | 15.42 |
| 2026-04-07 | 15.00 |
| 2026-04-06 | 14.95 |
| 2026-04-02 | 14.77 |
| 2026-04-01 | 14.69 |
| 2026-03-31 | 14.57 |
| 2026-03-30 | 14.40 |
| 2026-03-27 | 14.30 |
| 2026-03-26 | 14.40 |
| 2026-03-25 | 14.25 |
| 2026-03-24 | 14.29 |
| 2026-03-23 | 14.27 |
| 2026-03-20 | 13.89 |
| 2026-03-19 | 13.85 |
| 2026-03-18 | 13.71 |
| 2026-03-17 | 13.91 |
| 2026-03-16 | 13.96 |
| 2026-03-13 | 13.82 |
| 2026-03-12 | 14.14 |
| 2026-03-11 | 14.01 |
| 2026-03-10 | 14.24 |
| 2026-03-09 | 14.06 |
| 2026-03-06 | 14.03 |
| 2026-03-05 | 14.37 |
| 2026-03-04 | 14.67 |
| 2026-03-03 | 14.75 |
| 2026-03-02 | 14.94 |
| 2026-02-27 | 14.93 |
| 2026-02-26 | 16.21 |
| 2026-02-25 | 16.33 |
| 2026-02-24 | 18.41 |
| 2026-02-23 | 18.30 |
| 2026-02-20 | 18.80 |
| 2026-02-19 | 18.47 |
| 2026-02-18 | 18.47 |
| 2026-02-17 | 18.21 |
| 2026-02-13 | 18.03 |
| 2026-02-12 | 18.20 |
| 2026-02-11 | 18.10 |
| 2026-02-10 | 18.17 |
| 2026-02-09 | 18.17 |
| 2026-02-06 | 18.39 |
| 2026-02-05 | 18.52 |
| 2026-02-04 | 18.03 |
| 2026-02-03 | 17.90 |
| 2026-02-02 | 17.47 |
| 2026-01-30 | 17.01 |
| 2026-01-29 | 16.92 |
| 2026-01-28 | 16.63 |
| 2026-01-27 | 16.86 |
| 2026-01-26 | 16.73 |
| 2026-01-23 | 16.72 |
| 2026-01-22 | 18.20 |
| 2026-01-21 | 17.60 |
| 2026-01-20 | 16.85 |
| 2026-01-16 | 17.24 |
| 2026-01-15 | 17.29 |
| 2026-01-14 | 16.44 |
| 2026-01-13 | 16.30 |
| 2026-01-12 | 16.19 |
| 2026-01-09 | 16.34 |
| 2026-01-08 | 16.64 |
| 2026-01-07 | 16.16 |
| 2026-01-06 | 16.30 |
| 2026-01-05 | 16.41 |
| 2026-01-02 | 16.01 |
| 2025-12-31 | 15.95 |
| 2025-12-30 | 16.04 |
| 2025-12-29 | 16.14 |
| 2025-12-26 | 16.35 |
| 2025-12-24 | 16.37 |
| 2025-12-23 | 16.38 |
| 2025-12-22 | 16.47 |
| 2025-12-19 | 16.56 |
| 2025-12-18 | 16.93 |
| 2025-12-17 | 16.96 |
| 2025-12-16 | 17.11 |
| 2025-12-15 | 17.18 |
| 2025-12-12 | 17.02 |
| 2025-12-11 | 17.04 |
| 2025-12-10 | 16.93 |
| 2025-12-09 | 16.32 |
| 2025-12-08 | 16.25 |
| 2025-12-05 | 16.15 |
| 2025-12-04 | 16.21 |
| 2025-12-03 | 16.24 |
| 2025-12-02 | 15.76 |
| 2025-12-01 | 15.98 |
| 2025-11-28 | 15.72 |
| 2025-11-26 | 15.78 |
| 2025-11-25 | 15.82 |
| 2025-11-24 | 15.39 |
| 2025-11-21 | 15.41 |
| 2025-11-20 | 14.92 |
| 2025-11-19 | 14.85 |
| 2025-11-18 | 14.84 |
| 2025-11-17 | 14.58 |
| 2025-11-14 | 15.24 |
| 2025-11-13 | 15.01 |
| 2025-11-12 | 15.06 |
| 2025-11-11 | 15.07 |
| 2025-11-10 | 14.77 |
| 2025-11-07 | 14.43 |
| 2025-11-06 | 13.74 |
| 2025-11-05 | 13.84 |
| 2025-11-04 | 13.75 |
| 2025-11-03 | 13.66 |
| 2025-10-31 | 16.24 |
| 2025-10-30 | 16.27 |
| 2025-10-29 | 16.25 |
| 2025-10-28 | 16.60 |
| 2025-10-27 | 15.64 |
| 2025-10-24 | 15.89 |
| 2025-10-23 | 15.55 |
| 2025-10-22 | 15.76 |
| 2025-10-21 | 15.65 |
| 2025-10-20 | 15.63 |
| 2025-10-17 | 15.24 |
| 2025-10-16 | 15.26 |
| 2025-10-15 | 16.07 |
| 2025-10-14 | 16.17 |
| 2025-10-13 | 15.62 |
| 2025-10-10 | 15.37 |
| 2025-10-09 | 15.84 |
| 2025-10-08 | 15.99 |
| 2025-10-07 | 16.13 |
| 2025-10-06 | 16.31 |
| 2025-10-03 | 16.27 |
| 2025-10-02 | 16.04 |
| 2025-10-01 | 16.18 |
| 2025-09-30 | 16.34 |
| 2025-09-29 | 16.42 |
| 2025-09-26 | 16.71 |
| 2025-09-25 | 16.62 |
| 2025-09-24 | 16.64 |
| 2025-09-23 | 16.69 |
Showing the most recent 260 of 4,844 data points. The chart above shows the full history.