Southern First Bancshares, Inc. (SFST) Q3 2025 TL;DR
Southern First Bancshares reported exceptional profitability growth in Q3 2025, driven by strong Net Interest Income (NII) expansion and improved cost management. Q3 Net Income soared to \(8.7 million (up nearly 100% YoY), resulting in Diluted EPS of \)1.07 (up from \(0.54). Nine-month (9M) Net Income more than doubled to \)20.5 million, with Diluted EPS reaching $2.54.
Financial Performance & Balance Sheet: Q3 NII increased 33.7% to $27.5 million as deposit costs declined 59 basis points year-over-year, expanding the Tax-equivalent Ne
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