Southern BancShares, (N.C.), Inc (SBNC) Fair Value & Analysis

Financial Services · US · Market cap $911M

A solid business, but screening 11% overvalued on our models.

What matters now

• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
• Our model range runs from $8,846 (bear) to $14,743 (bull), base $11,795. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 54/100 (solid quality) with medium evidence: read the verdict with care.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $1,551 – $13,250 · fair‑value band $8,846 – $14,743 · the $13,250 price screens above the $11,795 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

Southern BancShares, (N.C.), Inc (SBNC) currently trades at $13,250, while our model-based Fair Value estimate is $11,795, implying the stock looks roughly 11.0% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Southern BancShares, (N.C.), Inc generated revenue of $197M at a net margin of 34.7%. Revenue grew 26.4% year over year. It earns a return on equity of 10.3%. The balance sheet holds a net cash position of $164M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $8,846 (bear case) to $14,743 (bull case); at $13,250, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 58% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -11%, SBNC screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($11,795) versus Dividend Discount ($363.68). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Southern BancShares, (N.C.), Inc. operates as the bank holding company for Southern Bank and Trust Company that provides banking services to consumers and businesses in Eastern North Carolina and southeastern Virginia. The company provides checking, savings, money market, demand, and time deposits, as well as certificates of deposit.

Full company description

Southern BancShares, (N.C.), Inc. operates as the bank holding company for Southern Bank and Trust Company that provides banking services to consumers and businesses in Eastern North Carolina and southeastern Virginia. The company provides checking, savings, money market, demand, and time deposits, as well as certificates of deposit. It also offers commercial loans, including construction and land development, agricultural, industrial, commercial mortgages, paycheck protection program, and other loans; and non-commercial loans, such as consumer, construction and land development, demand overdrafts, residential mortgage, and revolving mortgage. In addition, the company provides debit and credit cards, safe deposits, cashier's checks, and money orders; and check cashing, wire transfers, and internet banking services. Further, it offers investment services, including brokerage custodial, insurance, and other management services; and holds, manages, and sells real estate owned properties. Southern BancShares (N.C.), Inc. was founded in 1901 and is headquartered in Mount Olive, North Carolina.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Southern BancShares, (N.C.), Inc reported revenue of $261M in FY2025 versus $208M in FY2021, a compound +5.8%/yr. Reported net income was $68.3M in FY2025, compounding −7.6%/yr from FY2021.

SBNC screens 11% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.