Three independent discounted-cash-flow-style models value Southern First Bancshares, Inc. every trading day. 0 of 3 currently price SFST above its market price.
| Free Cash Flow model | $6.93 |
| Excess Profit model | $41.10 |
| Residual Earnings model | $11.62 |
| Dividend Discount model | — |
| Piotroski F-Score | 4 / 9 |
| Return on invested capital | +4.4% |
| Net debt / EBITDA | -4.9× |
| Gross margin | +100.0% |
| Revenue CAGR | -41.1% |
| Cash conversion | 1.3× |
| Dividend yield | — |
| Buyback yield | -1.1% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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