Filing Flows

Filing Flows › Companies › Southern First Bancshares › Cash flow

Southern First Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$20.4M in Q3 2026 · $45.3M over twelve months

Operating cash flow$21.3M
Capital spending−$934K
Free cash flow+$20.4M
Cash / net income1.7×

Analysis

In Q3 2026, Southern First Bancshares generated $21.3M of operating cash flow and spent $934K on capital projects, leaving free cash flow of $20.4M. That is $6.0M more than in Q3 2025 ($14.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $48.1M; the largest uses were other investing ($410M), capital spending ($2.8M); besides operations, cash came from other financing ($478M), shares issued ($3.5M); the cash balance rose by $117M.

Operating cash flow was $21.3M against net income of $12.2M — 1.7× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$1.3M, depreciation & amortization +$955K, prepaid and other assets −$659K.

Free cash flow

Southern First Bancshares: free cash flow by quarterSouthern First Bancshares: free cash flow by quarter−$2.0MQ4 2024$7.4MQ1 2025$10.4MQ2 2025$14.4MQ3 2025−$2.4MQ4 2025$10.5MQ1 2026$16.7MQ2 2026$20.4MQ3 2026
Operating cash flow less capital spending.
Southern First Bancshares: operating cash flow against capital spendingSouthern First Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending−$1.8M$218KQ4 2024$7.6M$141KQ1 2025$10.5M$80KQ2 2025$14.5M$88KQ3 2025−$2.1M$272KQ4 2025$10.8M$280KQ1 2026$18.0M$1.3MQ2 2026$21.3M$934KQ3 2026
Latest (Q3 2026): Operating cash flow $21.3M, Capital spending $934K.

Capital allocation, year by year

Southern First Bancshares: where the cash came from (up) and went (down), by fiscal yearSouthern First Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingFY2021: Operating cash flow $78.1MFY2021: Shares issued $3.0MFY2021: Asset sales $50KFY2021: Capital spending −$26.5M$81.1MFY2021FY2022: Operating cash flow $50.3MFY2022: Shares issued $905KFY2022: Asset sales $95KFY2022: Capital spending −$13.9M$51.3MFY2022FY2023: Operating cash flow $17.7MFY2023: Shares issued $518KFY2023: Capital spending −$1.2M$18.2MFY2023FY2024: Operating cash flow $25.6MFY2024: Shares issued $294KFY2024: Asset sales $28KFY2024: Capital spending −$785K$25.9MFY2024FY2025: Operating cash flow $30.5MFY2025: Shares issued $2.0MFY2025: Capital spending −$581K$32.5MFY2025
Over these 5 years operating cash flow totalled $202M; the largest uses were capital spending ($43.1M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$399M
Debtnone
Net cash$399M

Southern First Bancshares funds itself: free cash flow was $45.3M over the last twelve months, with $399M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Southern First Bancshares: sources (+) and uses (−) of cash, Q3 2026Southern First Bancshares: sources (+) and uses (−) of cash, Q3 2026Other financing$170MOther investing−$153MCash drawn (+) / kept (−)−$37.9MOperating cash flow$21.3MShares issued$1.1MCapital spending−$934K
Southern First Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Southern First Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$478MOther investing−$410MCash drawn (+) / kept (−)−$117MOperating cash flow$48.1MShares issued$3.5MCapital spending−$2.8M

From profit to cash

Southern First Bancshares: net income to operating cash flow, Q3 2026Southern First Bancshares: net income to operating cash flow, Q3 2026Net income$12.2MDepreciation & amortization$955KStock-based pay$638KPrepaid and other assets−$659KOther liabilities$1.3MOperating cash flow$21.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$21.3M−$934K$1.1M−$37.9M$20.4M
Q2 2026$18.0M−$1.3M$239K−$18.9M$16.7M
Q1 2026$10.8M−$280K$1.3M−$73.2M$10.5M
Q4 2025−$2.1M−$272K$945K$13.3M−$2.4M
Q3 2025$14.5M−$88K$581K−$11.9M$14.4M
Q2 2025$10.5M−$80K$306K$34.0M$10.4M
Q1 2025$7.6M−$141K$210K−$142M$7.4M
Q4 2024−$1.8M−$218K$104K$97.7M−$2.0M

Southern First Bancshares: income statement and cash flow

Southern First Bancshares, Q3 2026: revenue $37.5M (+21% year over year), operating margin 42.2%. The chart follows the revenue to costs, profit and cash.

Southern First Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.