For the quarter ending 2025-09-30, SFST had $11,871K increase in cash & cash equivalents over the period. $14,398K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 8,662 | 11,847 |
| Provision for credit losses | 850 | 1,450 |
| Depreciation and other amortization | 1,022 | 2,297 |
| Accretion and amortization of securities discounts and premium, net | -115 | -221 |
| Net change in operating leases | 21 | 48 |
| Decrease in deferred tax asset | - | -1 |
| Stock-based compensation expense | 539 | 1,142 |
| Gain on sale of loans held for sale | 1,739 | 2,813 |
| Loans originated and held for sale | 52,131 | 102,716 |
| Proceeds from sale of loans held for sale | 57,703 | 99,355 |
| Increase in cash surrender value of bank owned life insurance | 438 | 816 |
| Decrease in other assets | -305 | -2,450 |
| Increase in other liabilities | -422 | 5,591 |
| Net cash provided by operating activities | 14,486 | 18,057 |
| Increase in loans, net | 42,166 | 115,378 |
| Purchase of property and equipment | 88 | 221 |
| Available for sale | 3,220 | 0 |
| Other investments | 552 | 24 |
| Other investments | - | 392 |
| Available for sale | 2,429 | 5,397 |
| Net cash used for investing activities | -43,205 | -110,618 |
| Increase in deposits, net | 40,088 | 200,564 |
| Proceeds from the exercise of stock options | 581 | 516 |
| Decrease in federal home loan bank advances and other borrowings, net | - | 0 |
| Restricted shares withheld for taxes | 79 | 350 |
| Net cash provided by financing activities | 40,590 | 200,730 |
| Net increase in cash and cash equivalents | 11,871 | 108,169 |
| Cash and cash equivalents at beginning of period | 162,863 | - |
| Cash and cash equivalents at end of period | 282,903 | - |
SOUTHERN FIRST BANCSHARES INC (SFST)
SOUTHERN FIRST BANCSHARES INC (SFST)