What if you'd held SFST?
A $1,000 investment in Southern First Bancshares, Inc. (SFST) at the month-end close of 1999-10 would be worth $13,244 at the close of 2026-08 — +1224.4% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $5,655.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1999
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1999 | $1,000 | — |
| 2000 | $933 | -6.7% |
| 2001 | $1,194 | +28.0% |
| 2002 | $1,351 | +13.2% |
| 2003 | $2,838 | +110.1% |
| 2004 | $3,092 | +9.0% |
| 2005 | $3,903 | +26.2% |
| 2006 | $3,725 | -4.6% |
| 2007 | $2,376 | -36.2% |
| 2008 | $1,596 | -32.8% |
| 2009 | $1,145 | -28.2% |
| 2010 | $1,293 | +12.9% |
| 2011 | $1,365 | +5.5% |
| 2012 | $1,952 | +43.0% |
| 2013 | $3,067 | +57.2% |
| 2014 | $3,931 | +28.2% |
| 2015 | $5,242 | +33.4% |
| 2016 | $8,314 | +58.6% |
| 2017 | $9,527 | +14.6% |
| 2018 | $7,406 | -22.3% |
| 2019 | $9,813 | +32.5% |
| 2020 | $8,164 | -16.8% |
| 2021 | $14,432 | +76.8% |
| 2022 | $10,566 | -26.8% |
| 2023 | $8,568 | -18.9% |
| 2024 | $9,180 | +7.1% |
| 2025 | $11,898 | +29.6% |
| 2026 | $14,436 | +21.3% |
Best and worst month-end to buy
The best single month-end close to have bought SFST was 2000-03 ($3.19): $1,000 then is $19,596 today. The worst was 2026-08 ($62.51): $1,000 then is $1,000.
FAQ
What would $1,000 in SFST be worth today?
A $1,000 investment in Southern First Bancshares, Inc. (SFST) at the start of 1999 would be worth about $13,244 today, a total return of +1224.4%. Dividends are reinvested in these figures.
What were the best and worst years for SFST?
Southern First Bancshares, Inc. (SFST)'s strongest calendar year since 1999 was 2003, a +110.1% return — $1,000 held through that year became about $2,101 by year-end. Its weakest year was 2007, at -36.2%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in SFST have grown?
Investing $100 at the end of every month since 1999-10 would have grown to about $180,377 on $32,300 invested.
Did SFST beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $5,655. SFST beat the S&P 500 by +134.2% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Southern First Bancshares, Inc. (SFST) historical total-return data from 1999-10 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.