SFST vs HONE

Comparison between Southern First Bancshares Inc (SFST, Company) and HarborOne Bancorp Inc (HONE, Company).

Both SFST and HONE are from the Financial Services sector.

5-Year PerformanceSFST has outperformed HONE, delivering a return of +1.7% compared to -1.7%

SFST vs HONE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SFST(COMPANY)	HONE(COMPANY)
Market Cap	$522M	$521M
Max Drawdown	81.00%	49.48%
Sharpe Ratio	1.65	0.58
5Y Beta	0.84	0.79
Industry	Banks - Regional	Banks - Regional
P/E Ratio	14.84	19.97
Forward P/E	18.62	14.99
PEG Ratio	0.16	0.28
Dividend Yield	N/A	2.76%
5Y Dividends CAGR	N/A	70.32%
5Y EPS CAGR	5.13%	5.30%
Debt to Equity	0.00%	109.57%
Free Cash Flow Yield	6.31%	8.74%
P/S Ratio	4.48	3.17
P/B Ratio	1.44	0.90

Market Cap

Winner

SFST

$522M

HONE

$521M

Max Drawdown

SFST

81.00%

Winner

HONE

49.48%

Sharpe Ratio

Winner

SFST

1.65

HONE

0.58

5Y Beta

SFST

0.84

Winner

HONE

0.79

Industry

SFST

Banks - Regional

HONE

Banks - Regional

P/E Ratio

Winner

SFST

14.84

HONE

19.97

Forward P/E

SFST

18.62

Winner

HONE

14.99

PEG Ratio

Winner

SFST

0.16

HONE

0.28

Dividend Yield

SFST

N/A

HONE

2.76%

5Y Dividends CAGR

SFST

N/A

HONE

70.32%

5Y EPS CAGR

SFST

5.13%

Winner

HONE

5.30%

Debt to Equity

Winner

SFST

0.00%

HONE

109.57%

Free Cash Flow Yield

SFST

6.31%

Winner

HONE

8.74%

P/S Ratio

SFST

4.48

Winner

HONE

3.17

P/B Ratio

SFST

1.44

Winner

HONE

0.90

SFST vs HONE - Historical Returns

Returns include dividend reinvestment.

Period	SFST	HONE
1 month	+3.93%	+0.00%
3 months	+9.73%	+0.00%
6 months	+13.01%	+0.00%
1 year	+69.70%	+10.09%
5 years(CAGR)	+1.69%	-1.75%
10 years(CAGR)	+8.64%	+6.70%
Max(CAGR)	+11.14%	+6.70%

Winner

SFST

+3.93%

HONE

+0.00%

Winner

SFST

+9.73%

HONE

+0.00%

Winner

SFST

+13.01%

HONE

+0.00%

Winner

SFST

+69.70%

HONE

+10.09%

5Y(CAGR)

Winner

SFST

+1.69%

HONE

-1.75%

10Y(CAGR)

Winner

SFST

+8.64%

HONE

+6.70%

Max(CAGR)

Winner

SFST

+11.14%

HONE

+6.70%

SFST vs HONE - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	SFST	HONE
2026	+14.06%	+0.00%
2025	+35.40%	+5.90%
2024	+7.96%	+0.12%
2023	-17.65%	-12.18%
2022	-28.73%	-4.61%
2021	+77.58%	+38.76%
2020	-16.45%	-0.15%
2019	+30.86%	+22.68%
2018	-21.78%	-16.41%
2017	+15.38%	-2.19%
2016	+58.59%	+49.69%
2015	+28.51%	N/A
2014	+28.45%	N/A
2013	+70.58%	N/A
2012	+55.21%	N/A
2011	+15.97%	N/A
2010	+13.72%	N/A
2009	-18.01%	N/A
2008	-31.34%	N/A
2007	-36.40%	N/A
2006	-4.58%	N/A
2005	+25.63%	N/A
2004	+8.94%	N/A
2003	+110.12%	N/A
2002	+13.22%	N/A
2001	+27.89%	N/A
2000	+1.37%	N/A
1999	-8.48%	N/A

SFST vs HONE Drawdown Comparison

The maximum drawdown for SFST was -79.10%, occurring on Mar 6, 2009. Recovery took 1914 trading sessions.

The maximum drawdown for HONE was -48.57%, occurring on May 16, 2023. Recovery took 739 trading sessions.

The current SFST drawdown is -9.30%. The current HONE drawdown is -14.37%.

Rank	SFST	HONE
#1	-79.10% Dec 15, 2005 - Jul 26, 2013	-48.57% Nov 1, 2022 - Oct 14, 2025
#2	-67.19% Jan 7, 2022 - May 4, 2023	-46.60% Jun 9, 2017 - Feb 24, 2021
#3	-55.24% Jun 4, 2018 - Mar 8, 2021	-14.59% Jun 8, 2021 - Jan 6, 2022
#4	-43.06% Apr 23, 2002 - Sep 8, 2003	-14.37% Oct 14, 2025 - Oct 31, 2025
#5	-33.33% Nov 5, 1999 - Aug 4, 2000	-14.24% Jan 7, 2022 - Oct 28, 2022
#6	-24.44% Jan 29, 2004 - Oct 27, 2005	-9.31% Dec 27, 2016 - Apr 25, 2017
#7	-22.73% Aug 4, 2000 - Jun 7, 2001	-9.05% Apr 26, 2017 - Jun 9, 2017
#8	-15.20% Mar 12, 2021 - May 21, 2021	-8.80% Apr 19, 2021 - Jun 7, 2021
#9	-14.65% Jan 26, 2017 - Jul 3, 2017	-5.99% Mar 12, 2021 - Apr 19, 2021
#10	-14.38% Jun 13, 2001 - Jan 18, 2002	-5.20% Nov 25, 2016 - Dec 8, 2016
#11	-12.50% Nov 20, 2003 - Jan 6, 2004	-4.72% Sep 7, 2016 - Sep 19, 2016
#12	-12.50% Jan 18, 2002 - Apr 23, 2002	-3.93% Dec 9, 2016 - Dec 20, 2016
#13	-12.02% Jun 8, 2021 - Nov 3, 2021	-3.76% Oct 6, 2016 - Oct 21, 2016
#14	-10.99% Sep 8, 2016 - Nov 10, 2016	-3.16% Feb 24, 2021 - Mar 1, 2021
#15	-10.74% Oct 30, 2015 - Jan 6, 2016	-2.24% Aug 9, 2016 - Aug 26, 2016