For the year ending 2025-12-31, SFST had $106,720K increase in cash & cash equivalents over the period. $29,876K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income available to common shareholders | 30,366 |
| Provision for credit losses | 2,950 |
| Depreciation and other amortization | 4,307 |
| Accretion and amortization of securities discounts and premiums, net | -430 |
| Loss on sale of investment securities available for sale | -515 |
| Net change in operating leases | 87 |
| Compensation expense related to stock options and restricted stock grants | 2,272 |
| Gain on sale of loans held for sale | 6,338 |
| Loans originated and held for sale | 217,420 |
| Proceeds from sale of loans held for sale | 216,754 |
| Increase in cash surrender value of bank owned life insurance | 1,705 |
| Increase in deferred tax asset | 1,303 |
| Decrease (increase) in other assets, net | -1,876 |
| Increase (decrease) in other liabilities, net | -2,334 |
| Net cash provided by operating activities | 30,457 |
| Increase in loans, net | 213,716 |
| Purchase of property and equipment | 581 |
| Available for sale | 32,457 |
| Other investments | 573 |
| Available for sale | 11,894 |
| Proceeds from sales of investment securities available for sale | 29,101 |
| Net cash used for investing activities | -206,332 |
| Increase in deposits, net | 281,038 |
| Proceeds from the exercise of stock options | 2,042 |
| Restricted shares withheld for taxes | 485 |
| Net cash provided by financing activities | 282,595 |
| Net increase (decrease) in cash and cash equivalents | 106,720 |
| Cash and cash equivalents, beginning of year | 162,863 |
| Cash and cash equivalents, end of year | 269,583 |
SOUTHERN FIRST BANCSHARES INC (SFST)
SOUTHERN FIRST BANCSHARES INC (SFST)