Compared to Estimates, Southern First (SFST) Q3 Earnings: A Look at Key Metrics

For the quarter ended September 2025, Southern First (SFST) reported revenue of $31.13 million, up 31% over the same period last year. EPS came in at $1.07, compared to $0.54 in the year-ago quarter.The reported revenue represents a surprise of +4.25% over the Zacks Consensus Estimate of $29.86 million. With the consensus EPS estimate being $0.89, the EPS surprise was +20.22%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Southern First performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Efficiency ratio: 60.9% versus 65.3% estimated by two analysts on average.Net Interest Margin: 2.6% versus 2.6% estimated by two analysts on average.Total Noninterest Income: $3.6 million versus the two-analyst average estimate of $3.47 million.Net Interest Income: $27.53 million versus the two-analyst average estimate of $26.38 million.View all Key Company Metrics for Southern First here>>>Shares of Southern First have returned -4.7% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Quantum Computing Stocks Set To SoarArtificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.Access the Report Free Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Southern First Bancshares, Inc. (SFST): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks