Southern First Bancshares (SFST) Interest Coverage Ratio (2010 - 2026)

Southern First Bancshares (SFST) has 17 years of Interest Coverage Ratio data on file, last reported at 0.78 in Q1 2026.

• Interest Coverage Ratio for Q1 2026 came in at 0.78, down 14.73% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.69 (down 15.0% YoY), and the FY2025 annual result was 0.08, up 124.0% from the prior year.
• Interest Coverage Ratio declined to 0.78 in Q1 2026 per SFST's latest filing, from 0.66 in the prior quarter.
• Over five years, Interest Coverage Ratio peaked at 0.55 in Q4 2023 and troughed at 10.35 in Q1 2022.
• A 5-year average of 1.73 and a median of 0.67 in 2025 frame the typical range for Interest Coverage Ratio.
• The sharpest annual moves came in 2022 and 2023: Interest Coverage Ratio plunged 64.16% in 2022, then soared 90.91% in 2023.
• A 5-year view of Interest Coverage Ratio shows it stood at 1.5 in 2022, then jumped 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 declined by 17.34% to 0.78 in 2026.
• Business Quant data shows SFST's Interest Coverage Ratio at 0.78 in Q1 2026, 0.66 in Q4 2025, and 0.65 in Q3 2025.