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SouthPoint Bancshares, Inc (SOUB) Fair Value & Analysis

Financial Services · US · Market cap $43.0M

Price$14.11
Fair Value$28.22
Upside+100.0%
Quality95/100
Evidence: Low Range $23.55 – $32.89

Fair value as of: Jun 26, 2026

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Analysis

SouthPoint Bancshares, Inc (SOUB) currently trades at $14.11, while our model-based Fair Value estimate is $28.22 — implying the stock looks roughly 100.0% 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: low) — always confirm before acting.

About the company

SouthPoint Bancshares, Inc., through its subsidiary, SouthPoint Bank, provides various banking products and services in central Alabama. The company accepts various deposits, such as checking, saving, money market, and IRA accounts; and certificates of deposit. It also offers commercial, residential, consumer, small business administration, and home equity loans; and home mortgage services. In addition, the company provides debit and credit cards; wealth and treasury management, remote deposit, mobile and online banking, and bill pay services. SouthPoint Bancshares, Inc. was founded in 2005 and is based in Birmingham, Alabama.

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Frequently asked questions

Is SouthPoint Bancshares, Inc (SOUB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $28.22 versus a price of $14.11 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SOUB?
Our 21-model fair value for SouthPoint Bancshares, Inc is $28.22 (as of Jun 26, 2026), built from audited fundamentals. The current price is $14.11.
What is the quality score of SOUB?
SouthPoint 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.