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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 - 2026)

Southern First Bancshares (SFST) has disclosed Interest Coverage Ratio for 11 consecutive years, with 0.78 as the latest value for Q1 2026.

  • For Q1 2026, Interest Coverage Ratio fell 14.73% year-over-year to 0.78; the TTM value through Mar 2026 reached 0.69, down 15.0%, while the annual FY2025 figure was 0.08, 124.0% up from the prior year.
  • Interest Coverage Ratio hit 0.78 in Q1 2026 for Southern First Bancshares, down from 0.66 in the prior quarter.
  • Across five years, Interest Coverage Ratio topped out at 0.55 in Q4 2023 and bottomed at 10.35 in Q1 2022.
  • Average Interest Coverage Ratio over 5 years is 1.73, with a median of 0.67 recorded in 2025.
  • Year-over-year, Interest Coverage Ratio plummeted 64.16% in 2022 and then surged 90.91% in 2023.
  • Southern First Bancshares' Interest Coverage Ratio stood at 1.5 in 2022, then skyrocketed by 63.47% to 0.55 in 2023, then dropped by 13.35% to 0.62 in 2024, then dropped by 6.34% to 0.66 in 2025, then decreased by 17.34% to 0.78 in 2026.
  • According to Business Quant data, Interest Coverage Ratio over the past three periods came in at 0.78, 0.66, and 0.65 for Q1 2026, Q4 2025, and Q3 2025 respectively.