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South Atlantic Bancshares, Inc (SABK) Fair Value & Analysis

Financial Services · US · Market cap $195M

Price$25.49
Fair Value$27.69
Upside+8.6%
Quality95/100
Evidence: High Range $20.77 – $34.62

Fair value as of: Jun 26, 2026

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Analysis

South Atlantic Bancshares, Inc (SABK) currently trades at $25.49, while our model-based Fair Value estimate is $27.69 — implying the stock looks roughly 8.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

South Atlantic Bancshares, Inc. operates as the bank holding company for South Atlantic Bank that provides various banking products and services to individuals and small businesses in the United States. The company offers checking, money market, and savings accounts, as well as certificates of deposit, individual retirement accounts, and health savings accounts. It also provides personal, auto, and recreation loans, as well as home equity and ready reserve overdraft line of credits, and commercial lending products; and credit cards. In addition, the company provides cash management and merchant card services; remote deposit capture and automated clearing house services; online, mobile, and telephone banking services; personal and business checks; mortgage products and services; and wealth management services. Further, the company operates offices in Myrtle Beach, Carolina Forest, North Myrtle Beach, Murrells Inlet, Pawleys Island, Georgetown, Mount Pleasant, Charleston, Bluffton, Hi…

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Frequently asked questions

Is South Atlantic Bancshares, Inc (SABK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $27.69 versus a price of $25.49 — about +9% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SABK?
Our 21-model fair value for South Atlantic Bancshares, Inc is $27.69 (as of Jun 26, 2026), built from audited fundamentals. The current price is $25.49.
What is the quality score of SABK?
South Atlantic Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.