Short answer
SOUTHERN FIRST BANCSHARES INC (SFST) filed its Q3 2025 10-Q quarterly report on Oct 31, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $2M (up 10.4% year over year) with net income of $9M.
Q3 2025 key financials · XBRL
- Revenue
- $2M
- +10.4% YoY · +2.0% QoQ
- Net income
- $9M
- +97.7% YoY · +31.6% QoQ
- EPS (diluted)
- $1.08
- +100.0% YoY · +33.3% QoQ
Source: XBRL data from the SOUTHERN FIRST BANCSHARES INC (SFST) Q3 2025 10-Q on SEC EDGAR. USD.
SOUTHERN FIRST BANCSHARES INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Third-quarter revenue not disclosed; net interest income $27.5M, up 33.7% from $20.6M YoY
- Net interest margin 2.62% vs 2.08% YoY; net interest spread 1.80% vs 1.16%
- Best income line mortgage banking $1.6M, up 10.4% YoY; service fees $625K, up 37.4%
- Provision for credit losses $850K vs none YoY; commercial and non-owner-occupied loan risk migration
- Assets $4.36B, up 6.6% from December 31; loans $3.79B and deposits $3.68B at September 30
Risk Factors
- No material changes to risk factors disclosed in the December 31, 2024 Form 10-K
- No newly added risk factor identified for the quarter
- No quarterly updates to regulatory, legal, or compliance risks
- No new operational, competitive, or market risks disclosed
- No new liquidity, debt maturity, currency, or concentration risks disclosed
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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