Is Southern First Bancshares, Inc. SFST stock halal to invest in?

No, as of August 2026, Southern First Bancshares, Inc. stock (SFST) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Southern First Bancshares, Inc. currently does not meet the threshold for the non-permissible income and interest-bearing debt screens. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Southern First Bancshares, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is Southern First Bancshares, Inc. SFST reviewed for Shariah compliance?

Tabadulat reviews Southern First Bancshares, Inc. SFST for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Southern First Bancshares, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, Southern First Bancshares, Inc. stock (SFST) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Southern First Bancshares, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, Southern First Bancshares, Inc. stock (SFST) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). Southern First Bancshares, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Interest Bearing Debt criteria?

No, as of August 2026, Southern First Bancshares, Inc. stock (SFST) does not pass the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. Southern First Bancshares, Inc.'s interest-bearing debt currently exceeds this 30% limit, meaning the company relies on riba-based financing beyond the level AAOIFI permits for a halal investment. A company can return to compliance by reducing debt or through changes in market capitalisation, and the screen is reassessed monthly.

What is the dividend purification factor for Southern First Bancshares, Inc. SFST stock?

Southern First Bancshares, Inc. (SFST) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If Southern First Bancshares, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Preference Share screen?

Yes, as of August 2026, Southern First Bancshares, Inc. stock (SFST) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Southern First Bancshares, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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English

العربية

Southern First Bancshares, Inc.

NASDAQ

Shariah-Compliant

Not Shariah

SFST

About

Southern First Bancshares, Inc.

SFST

Southern First Bancshares Inc. is a bank holding company that provides a range of commercial and consumer banking services. Operating primarily through its subsidiary, Southern First Bank, the company aims to deliver personalized financial solutions catering to individuals and local businesses. It offers a comprehensive suite of products including personal and business loans, checking and savings accounts, mortgage solutions, and wealth management services. Emphasizing community banking, it focuses on building strong relationships with its clients to meet their specific financial needs. Southern First Bancshares plays a critical role in its regional markets, particularly in South Carolina, North Carolina, and Georgia, where it has established a strong presence through its local branch network. The company's impact on these local economies is significant as it supports small businesses and facilitates personal finance management for its residents. In the broader financial market, Southern First Bancshares contributes to the community banking sector, which is recognized for offering tailored customer service and fostering local economic development. As a participant in this sector, the company supports financial inclusivity and regional financial health.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

297

Website:

https://www.southernfirst.com

SFST

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Southern First Bancshares, Inc.

About

Southern First Bancshares, Inc.

SFST

Frequently asked questions

Is Southern First Bancshares, Inc. SFST stock halal to invest in?

How often is Southern First Bancshares, Inc. SFST reviewed for Shariah compliance?

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Non Permissible Income criteria?

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Interest Bearing Investments criteria?

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for Southern First Bancshares, Inc. SFST stock?

Does Southern First Bancshares, Inc. SFST pass the AAOIFI Preference Share screen?

Can I buy Southern First Bancshares (SFST) stock on Tabadulat?

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