Filing Flows › Southern First Bancshares (SFST) › How it makes money
How Southern First Bancshares (SFST) makes money
Southern First Bancshares (SFST) made $37.5M of revenue in the third quarter 2026 (Q3 2026), +21% from a year earlier. Net interest income brought in $34.7M (92%); Noninterest income brought in $2.9M (8%). Of every dollar of revenue, 42¢ was left as operating profit, 33¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $34.7M | 92.4% | +7% | +26% |
| Noninterest income | $2.9M | 7.6% | -18% | -20% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $37.5M | 100.0% |
| Operating profit | $15.8M | 42.2% |
| Income tax | $3.6M | 9.6% |
| Net earnings | $12.2M | 32.6% |
| Operating cash flow | $21.3M | 56.9% |
| Free cash flow | $20.4M | 54.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $37.5M | +21% |
| Q2 2026 | $35.9M | +25% |
| Q1 2026 | $33.8M | +28% |
| Q4 2025 | $31.8M | +26% |
| Q3 2025 | $31.1M | +31% |
| Q2 2025 | $28.6M | +24% |
| Q1 2025 | $26.5M | +24% |
From Southern First Bancshares' 10-Q filed Oct 30, 2026 (on EDGAR).
Questions
How does Southern First Bancshares make money?
Southern First Bancshares (SFST) made $37.5M of revenue in the third quarter 2026 (Q3 2026), +21% from a year earlier. Net interest income brought in $34.7M (92%); Noninterest income brought in $2.9M (8%). Of every dollar of revenue, 42¢ was left as operating profit, 33¢ was left as net earnings.
What is Southern First Bancshares' biggest business?
Net interest income: $34.7M in the third quarter 2026, 92% of revenue, +26% from a year earlier.
What is Southern First Bancshares' profit margin?
Net earnings were $12.2M, 32.6% of revenue, in the third quarter 2026; the operating margin was 42.2%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.