Southern First Bancshare

Q2 FY2026 EarningsQ2 FY26 results slightly beat consensus on the bottom line, with Diluted EPS of $1.20 vs. $1.19 expected, driven by robust 28% YoY net interest income growth. Revenue of $35.9M was marginally below the $36.3M consensus (-1.16%), but net income reached $11.2M, exceeding the $11.0M estimate. A significant $65.2M capital raise during the quarter bolstered the Tier 1 ratio and supported 9% annualized loan growth, though wholesale deposit reductions offset some top-line momentum.