Is SOUTHERN FIRST BANCSHARES INC (SFST) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 44.1% | |
| Net Margin | 26.4% | |
| Return on Equity (ROE) | 8.7% | |
| Return on Assets (ROA) | 0.7% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $30M |
| Free Cash Flow | $30M |
| Total Debt | $265M |
| Total Assets | $4.4B |
Price & Trading
| Last Close | $53.85 |
| 50-Day MA | $55.77 |
| 200-Day MA | $47.72 |
| Avg Volume | 65K |
| Beta | 0.7 |
|
52-Week Range
$29.14
| |
About SOUTHERN FIRST BANCSHARES INC (SFST)
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio comprises commercial real estate loans; construction real estate loans; commercial business loans for various lines of businesses, such as the manufacturing, service industry, and professional service areas; consumer real estate and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the company offers other bank services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment, and mobile banking services. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.
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Frequently Asked Questions
Is SOUTHERN FIRST BANCSHARES INC (SFST) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), SOUTHERN FIRST BANCSHARES INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is SOUTHERN FIRST BANCSHARES INC's debt ratio?
SOUTHERN FIRST BANCSHARES INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are SOUTHERN FIRST BANCSHARES INC's key financial metrics?
SOUTHERN FIRST BANCSHARES INC has a market capitalization of $440M, trailing P/E ratio of 14.4, and revenue of $118M. Return on equity stands at 8.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.