FMAO
Price
$23.21
Change
-$0.30 (-1.28%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
319.14M
83 days until earnings call
Intraday BUY SELL Signals
SFST
Price
$48.19
Change
+$0.27 (+0.56%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
394.64M
68 days until earnings call
Intraday BUY SELL Signals
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FMAO vs SFST

Header iconFMAO vs SFST Comparison
Open Charts FMAO vs SFSTBanner chart's image
Farmers & Merchants Ban
Price$23.21
Change-$0.30 (-1.28%)
Volume$100
Capitalization319.14M
Southern First Bancshares
Price$48.19
Change+$0.27 (+0.56%)
Volume$200
Capitalization394.64M
FMAO vs SFST Comparison Chart in %
FMAO
Daily Signal:
Gain/Loss:
SFST
Daily Signal:
Gain/Loss:
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VS
FMAO vs. SFST commentary
Nov 20, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FMAO is a Hold and SFST is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (FMAO: $23.21 vs. SFST: $48.19)
Brand notoriety: FMAO and SFST are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FMAO: 54% vs. SFST: 109%
Market capitalization -- FMAO: $319.14M vs. SFST: $394.64M
FMAO [@Regional Banks] is valued at $319.14M. SFST’s [@Regional Banks] market capitalization is $394.64M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FMAO’s FA Score shows that 0 FA rating(s) are green whileSFST’s FA Score has 0 green FA rating(s).

  • FMAO’s FA Score: 0 green, 5 red.
  • SFST’s FA Score: 0 green, 5 red.
According to our system of comparison, both FMAO and SFST are a bad buy in the long-term.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FMAO’s TA Score shows that 2 TA indicator(s) are bullish while SFST’s TA Score has 6 bullish TA indicator(s).

  • FMAO’s TA Score: 2 bullish, 6 bearish.
  • SFST’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, SFST is a better buy in the short-term than FMAO.

Price Growth

FMAO (@Regional Banks) experienced а -5.77% price change this week, while SFST (@Regional Banks) price change was -0.90% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.93%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

FMAO is expected to report earnings on Feb 11, 2026.

SFST is expected to report earnings on Jan 27, 2026.

Industries' Descriptions

@Regional Banks (-0.93% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
SFST($395M) has a higher market cap than FMAO($319M). SFST has higher P/E ratio than FMAO: SFST (14.92) vs FMAO (9.96). SFST YTD gains are higher at: 21.233 vs. FMAO (-19.014). FMAO has more cash in the bank: 152M vs. SFST (13.9M). FMAO has less debt than SFST: FMAO (223M) vs SFST (265M). FMAO (112M) and SFST (111M) have equivalent revenues.
FMAOSFSTFMAO / SFST
Capitalization319M395M81%
EBITDAN/AN/A-
Gain YTD-19.01421.233-90%
P/E Ratio9.9614.9267%
Revenue112M111M101%
Total Cash152M13.9M1,094%
Total Debt223M265M84%
FUNDAMENTALS RATINGS
FMAO vs SFST: Fundamental Ratings
FMAO
SFST
OUTLOOK RATING
1..100
1017
VALUATION
overvalued / fair valued / undervalued
1..100
42
Fair valued
72
Overvalued
PROFIT vs RISK RATING
1..100
7968
SMR RATING
1..100
4447
PRICE GROWTH RATING
1..100
7343
P/E GROWTH RATING
1..100
9189
SEASONALITY SCORE
1..100
9075

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FMAO's Valuation (42) in the Financial Conglomerates industry is in the same range as SFST (72) in the Regional Banks industry. This means that FMAO’s stock grew similarly to SFST’s over the last 12 months.

SFST's Profit vs Risk Rating (68) in the Regional Banks industry is in the same range as FMAO (79) in the Financial Conglomerates industry. This means that SFST’s stock grew similarly to FMAO’s over the last 12 months.

FMAO's SMR Rating (44) in the Financial Conglomerates industry is in the same range as SFST (47) in the Regional Banks industry. This means that FMAO’s stock grew similarly to SFST’s over the last 12 months.

SFST's Price Growth Rating (43) in the Regional Banks industry is in the same range as FMAO (73) in the Financial Conglomerates industry. This means that SFST’s stock grew similarly to FMAO’s over the last 12 months.

SFST's P/E Growth Rating (89) in the Regional Banks industry is in the same range as FMAO (91) in the Financial Conglomerates industry. This means that SFST’s stock grew similarly to FMAO’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FMAOSFST
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
44%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 2 days ago
61%
Momentum
ODDS (%)
Bearish Trend 2 days ago
68%
Bullish Trend 2 days ago
65%
MACD
ODDS (%)
Bearish Trend 2 days ago
62%
Bullish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
65%
Bullish Trend 2 days ago
73%
Advances
ODDS (%)
Bullish Trend 6 days ago
69%
Bullish Trend 9 days ago
64%
Declines
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 7 days ago
60%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
87%
Bearish Trend 2 days ago
58%
Aroon
ODDS (%)
Bearish Trend 2 days ago
68%
Bullish Trend 2 days ago
71%
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FMAO
Daily Signal:
Gain/Loss:
SFST
Daily Signal:
Gain/Loss:
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FMAO and

Correlation & Price change

A.I.dvisor indicates that over the last year, FMAO has been closely correlated with CCBG. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if FMAO jumps, then CCBG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FMAO
1D Price
Change %
FMAO100%
-1.28%
CCBG - FMAO
72%
Closely correlated
+0.51%
CTBI - FMAO
71%
Closely correlated
+1.23%
HBT - FMAO
71%
Closely correlated
+0.52%
SFST - FMAO
71%
Closely correlated
+0.56%
MCBS - FMAO
70%
Closely correlated
+0.32%
More

SFST and

Correlation & Price change

A.I.dvisor indicates that over the last year, SFST has been closely correlated with HTB. These tickers have moved in lockstep 76% of the time. This A.I.-generated data suggests there is a high statistical probability that if SFST jumps, then HTB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SFST
1D Price
Change %
SFST100%
+0.56%
HTB - SFST
76%
Closely correlated
+0.64%
SHBI - SFST
75%
Closely correlated
+2.32%
GABC - SFST
73%
Closely correlated
-0.37%
MCBS - SFST
72%
Closely correlated
+0.32%
AX - SFST
72%
Closely correlated
+1.02%
More