Southern First Bancshares, Inc. · NASDAQ:SFST
Southern First Bancshares — Shareholder Meeting (May 2026)
12 slides from Southern First Bancshares's shareholder meeting presentation, May 20, 2026
Slide 1: Annual Shareholder Meeting
NN XXX KKK ZZ Southern ANNUAL SHAREHOLDER MEETING May 19, 2026 LMS SOOO COCO ELS
Slide 2: Forward-Looking Statements
FORWARD - LOOKING STATEMENTS
Slide 3: Company Overview: Corporate Profile
Company Overview CORPORATE PROFILE □ Headquartered in Greenville, SC x Founded in 2000 □ Efficient branch footprint in some of the most dynamic markets in the Southeast x 12 branches located in 8 fast - growing Southeast metropolitan markets □ Relationship - driven commercial banking model x Targete
Slide 4: Company Overview: Who We Are
Company Overview Who We Are Our Mission Our mission is to impact lives in the communities we serve Our Culture We focus on the things that matter most: family, community, and teamwork Our Purpose We exist to enable dreams, earn trust, and exceed expectations Relationship driven with a focus on excep
Slide 5: Financial Snapshot for Year-End 2025
Company Overview Financial Snapshot for Year - End 2025 rt a 2025 Financial Highlights □ Net Income of $30.4 million, up 96% YoY □ Diluted EPS of $3.72, up 95% YoY □ NIM of 2.57% 3 , up 51bps YoY □ Total loans 1 up $213 million or 6% YoY □ Total deposits up $281 million or 8% YoY □ Retail deposits 4
Slide 6: 2026 Q1 Highlights
2026 Q1 Highlights Growth and Financial Performance Net income Earnings per share (diluted) Net Interest Margin Book value Retail deposit growth Loan growth NPAs / total assets Net charge - offs / average loans $9.9 million, up 88% YoY $1.19, up 83% YoY 2.88%, up 47 bps YoY $46.00, up 11% YoY $208 m
Slide 7: Key Investment Highlights
Key Investment Highlights Experienced, founder - led management team with 25+ year focus on creating a unique client experience and producing returns for shareholders Operating in highly attractive dynamic Southeast metro markets, resulting in scarcity value and a differentiated growth profile Long
Slide 8: SFST Stock Price Performance
SFST KRX S&P 500 SFST Stock Price Performance 1000% 900% 800% 700% 600% 500% 400% 300% 200% 100% 0% (100%) 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 8 Growth in Shareholder Value Over Time Note: Market data as of May 8, 2026 Source: S&P Capital IQ Pro Relative P
Slide 9: i= Souther
i= Souther
Slide 10: 10
10
Slide 11: of Greenville
of Greenville he VER AUE aN 3
Slide 12: Management Updates
□ Strengthened our Board with the appointment of three new directors who bring diverse backgrounds across our markets □ Established an emeritus status for existing directors planning to transition off the Board at the appropriate time □ Continued to refine pay for performance compensation approach □
Southern First Bancshares — Shareholder Meeting (May 2026) on 6ix