For the quarter ended June 2026, Southern First (SFST) reported revenue of $35.88 million, up 25.3% over the same period last year. EPS came in at $1.20, compared to $0.81 in the year-ago quarter. The reported revenue compares to the Zacks Consensus Estimate of $36.16 million, representing a surprise of -0.78%. The company delivered an EPS surprise of +0.84%, with the consensus EPS estimate being $1.19. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and h ...

核心业绩摘要 - 公司2026年第二季度每股收益为1.2美元，超出市场一致预期1.19美元，实现0.84%的盈利惊喜 [1] - 季度营收为3588万美元，低于市场一致预期0.78% [2] - 每股收益较上年同期的0.81美元大幅增长 [1] 历史业绩表现 - 在过去四个季度中，公司有三次超过市场每股收益预期 [2] - 在过去四个季度中，公司有两次超过市场营收预期 [2] - 上一季度实际每股收益为1.19美元，低于预期的1.2美元，带来-0.83%的盈利意外 [1] 股价表现与市场展望 - 年初至今公司股价上涨约19.2%，同期标普500指数上涨8.7% [3] - 基于盈利预测修正趋势，公司目前获得Zacks Rank 2（买入）评级，预计短期内将跑赢市场 [6] - 股价短期走势的可持续性很大程度上取决于管理层在财报电话会中的评论 [3] 未来业绩预期 - 市场对下一季度的普遍预期为营收3813万美元，每股收益1.28美元 [7] - 市场对本财年的普遍预期为营收1.4754亿美元，每股收益5.05美元 [7] 行业状况与同业比较 - 公司所属的Zacks Banks - Southeast行业，在250多个Zacks行业中排名前37% [8] - 研究显示，排名前50%的行业表现优于后50%的幅度超过2比1 [8] - 同业公司Colony Bankcorp预计将于7月22日公布财报，预期季度每股收益为0.48美元，同比增长4.4% [9] - 过去30天内，市场对Colony Bankcorp的季度每股收益预期上调了2% [9] - 预计Colony Bankcorp季度营收为4077万美元，较上年同期增长25.5% [10]

Exhibit 99.1 Southern First Reports Second Quarter 2026 Results Greenville, South Carolina, July 21, 2026 – Southern First Bancshares, Inc. (NASDAQ: SFST) (Southern First), today announced its financial results for the three months ended June 30, 2026. Strong loan growth and continued margin expansion drove year-over-year net interest income growth of 28%. Net income was $11.2 million and diluted earnings per share was $1.20, representing a $0.39, or 48% increase over the second quarter of 2025, and a sligh ...

SECOND QUARTER 2026 INVESTOR PRESENTATION July 21, 2026 FORWARD-LOOKING STATEMENTS Greensboro Raleigh Charlotte Charleston Summerville Greenville Columbia Atlanta GEORGI A South Carolina North Carolina During the course of this presentation, management may make projections and forward- looking statements regarding events or the future financial performance of Southern First Bancshares, Inc. We wish to caution you that these forward-looking statements involve certain risks and uncertainties, including a vari ...