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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Southern First Bancshares (SFST) Interest Coverage Ratio (2016 - 2025)

Southern First Bancshares (SFST) has disclosed Interest Coverage Ratio for 10 consecutive years, with 0.66 as the latest value for Q4 2025.

  • Quarterly Interest Coverage Ratio fell 6.34% to 0.66 in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 0.66 through Dec 2025, down 15.25% year-over-year, with the annual reading at 0.08 for FY2025, 124.0% up from the prior year.
  • Interest Coverage Ratio for Q4 2025 was 0.66 at Southern First Bancshares, down from 0.65 in the prior quarter.
  • The five-year high for Interest Coverage Ratio was 0.55 in Q4 2023, with the low at 10.35 in Q1 2022.
  • Average Interest Coverage Ratio over 5 years is 3.23, with a median of 0.68 recorded in 2023.
  • The sharpest move saw Interest Coverage Ratio plummeted 446.28% in 2021, then skyrocketed 90.91% in 2023.
  • Over 5 years, Interest Coverage Ratio stood at 10.21 in 2021, then soared by 85.26% to 1.5 in 2022, then soared by 63.47% to 0.55 in 2023, then fell by 13.35% to 0.62 in 2024, then fell by 6.34% to 0.66 in 2025.
  • According to Business Quant data, Interest Coverage Ratio over the past three periods came in at 0.66, 0.65, and 0.67 for Q4 2025, Q3 2025, and Q2 2025 respectively.