Southern First Bancshares (SFST) Interest Coverage Ratio (2010 - 2026)
Southern First Bancshares (SFST) posted quarterly Interest Coverage Ratio of 0.78 for Q1 2026, down 16.3% year-over-year from 0.93 in Q1 2025, and down 22.84% quarter-over-quarter from 0.63 in Q4 2025.
Southern First Bancshares (SFST) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Southern First Bancshares (SFST) has reported Interest Coverage Ratio for 17 consecutive years, with 0.78 the latest figure, recorded in Q1 2026.
- In Q1 2026, Interest Coverage Ratio fell 16.3% year-over-year to 0.78; the TTM figure through Mar 2026 stood at 0.68 (up 96.84% YoY), while the FY2025 annual figure was 0.66, down 14.9% from the prior year.
- Interest Coverage Ratio slipped to 0.78 in Q1 2026 per SFST's latest filing, from 0.63 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 0.21 in Q4 2024 and bottomed at 1.66 in Q1 2022.
- Historically, Interest Coverage Ratio has averaged 0.71 across 5 years, with a median of 0.65 in 2025.
- Annual changes were most pronounced in 2024 — Interest Coverage Ratio soared 129.86% — and 2025, when it sank 401.04%.
- Southern First Bancshares' Interest Coverage Ratio stood at 1.5 in 2022, then soared by 53.22% to 0.7 in 2023, then surged by 129.86% to 0.21 in 2024, then plunged by 401.04% to 0.63 in 2025, then retreated by 22.84% to 0.78 in 2026.
- Business Quant data shows SFST's Interest Coverage Ratio at 0.78 in Q1 2026, 0.63 in Q4 2025, and 0.65 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 1.90 |
| 10 | Southern First Bancshares | 581.39 Mn | 199.27 Mn | 900,000.00 | -0.76 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -0.54 |
| Mar 31, 2026 | -0.78 |
| Dec 31, 2025 | -0.63 |
| Sep 30, 2025 | -0.65 |
| Jun 30, 2025 | -0.67 |
| Mar 31, 2025 | -0.67 |
| Dec 31, 2024 | 0.21 |
| Sep 30, 2024 | -0.55 |
| Jun 30, 2024 | -0.55 |
| Mar 31, 2024 | -0.57 |
| Dec 31, 2023 | -0.70 |
| Sep 30, 2023 | -0.58 |
| Jun 30, 2023 | -0.69 |
| Mar 31, 2023 | -0.52 |
| Dec 31, 2022 | -1.50 |
| Sep 30, 2022 | -0.46 |
| Jun 30, 2022 | -1.16 |
| Mar 31, 2022 | -1.66 |
| Dec 31, 2021 | -10.21 |
| Sep 30, 2021 | -5.60 |