Southern Banc Company Inc (SRNN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Southern Banc Company Inc stock $18.90, price $16.00, upside +18.1%, quality 57 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
The Southern Banc Company, Inc. operates as the holding company for The Southern Bank company that provides various banking products and services in Alabama.
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The company provides personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. Its business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing.
The company also provides debit cards, online banking, and invoice factoring services. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.
Stock analysis
Southern Banc Company Inc (SRNN) currently trades at $16.00, while our model-based Fair Value estimate is $18.90, implying the stock looks roughly 15% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $19.57 per share, and 2 of the 4 models we run sit above the $16.00 price.
Bear case: the Asset-Based group reads lowest at $15.30, and 2 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $14.18 (bear) to $23.63 (bull), the price of $16.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Southern Banc Company Inc reported revenue of $13.2M in FY2026 versus $7.6M in FY2022, a compound +14.9%/yr. Reported net income was $1.4M in FY2026, compounding −5.0%/yr from FY2022.
Key figures
Market cap $12.9M Micro · P/E ratio 8.6 · P/S ratio 1.30 · EPS (TTM) $1.85 · Net margin 14.2% · Return on equity 8.1% · Return on assets (EBIT) 1.9% (5-year average) · Operating margin 24.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 63% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at 18%, SRNN screens cheaper than that median.
Fair Value models
Bear$14.18Fair Value $18.90Bull$23.63
Price $16.00 · Upside +18.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.6690 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.8%
Start year 2021 (pandemic). Over 10 years: +12.1% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+24.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.2%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 14%
Compare Southern Banc Company Inc with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Regional · 996 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+18.1% · Top 25%
Profitability
Return on equity (12 months)8.1% · Below median
Return on assets1.1% · Above median
Net margin (12 months)14.2% · Bottom 25%
Operating margin (12 months)24.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)21.4% · Top 25%
Balance sheet
Debt / equity0.11× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)8.6× · Cheapest 25%
P/B0.70× · Cheapest 25%
P/S (12 months)1.30× · Cheapest 25%
Price / free cash flow (fiscal year)7.4× · Cheaper than median
PEG2.18× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)57· sector 8
FUTURE (revenue growth)100· sector 47
PAST (return on equity)32· sector 43
HEALTH (low debt)–
DIVIDEND (yield)0· sector 52
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Southern Banc Company Inc Fair Value". https://www.fairvalue-calculator.com/stock/SRNN
Frequently asked questions
Is Southern Banc Company Inc (SRNN) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $18.90 versus a price of $16.00, about +18% upside (undervalued).
What is the fair value of SRNN?
Our model-based fair value for Southern Banc Company Inc is $18.90 (as of Nov 8, 2026), built from audited fundamentals. The current price: $16.00.
What is the quality score of SRNN?
Southern Banc Company Inc has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Southern Banc Company Inc (SRNN)?
Our model-based price target is the fair value of $18.90 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $14.18, optimistic scenario $23.63. It is a calculation from audited fundamentals, not an analyst target.
What is the Southern Banc Company Inc stock forecast for 2026?
Our models put fair value at $18.90, about +18% upside versus a price of $16.00 (undervalued). Cautious scenario $14.18, optimistic scenario $23.63. The calculation is refreshed regularly with new filings.
What is the revenue of Southern Banc Company Inc (SRNN)?
Southern Banc Company Inc reported trailing-twelve-month revenue of about $9.9M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Southern Banc Company Inc (SRNN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Southern Banc Company Inc it is $18.90 per share (as of Nov 8, 2026), against a price of $16.00. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Southern Banc Company Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, SRNN trades below its calculated fair value: price $16.00, fair value $18.90, a gap of about +18% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SRNN?
No. The price is what the market pays today ($16.00); the fair value is what the company's own numbers justify ($18.90). For Southern Banc Company Inc the two are $2.90 per share apart. That gap is exactly why we show both numbers side by side.
How much is Southern Banc Company Inc worth?
The market values Southern Banc Company Inc at about $12.9M (market capitalisation, as of Nov 8, 2026). Per share that is $16.00; our models calculate a fair value of $18.90 per share.
What do the bullish and bearish scenarios say about SRNN?
Our models span a range for Southern Banc Company Inc: cautious scenario $14.18, base $18.90, optimistic $23.63 per share (as of Nov 8, 2026, price $16.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SRNN?
Southern Banc Company Inc trades at a price-to-earnings ratio of 8.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.90 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2019 to 2026), reported earnings: 9.3. Other multiples: PEG 2.2, P/B 0.7, P/S 1.3.
What is the PEG ratio of SRNN?
The PEG ratio of Southern Banc Company Inc is 2.18 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Southern Banc Company Inc (SRNN)?
Balance-sheet figures for Southern Banc Company Inc (as of Nov 8, 2026): return on equity 8.1%, debt of 0.11 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is SRNN from its 52-week high?
Southern Banc Company Inc trades at $16.00, about 7% below its 52-week high of $17.15 and 63% above the low of $9.80 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $18.90 is for.
Which stocks are comparable to Southern Banc Company Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Southern Banc Company Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $16.00, calculated fair value $18.90 (+18%), Quality Score 57/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SRNN calculated?
We run Southern Banc Company Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $18.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Southern Banc Company Inc currently trades 15% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Southern Banc Company Inc (SRNN)?
The closing price on Nov 6, 2026 was $16.00. Our model-based fair value is $18.90, about +18% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Southern Banc Company Inc right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of Southern Banc Company Inc
How large is the market capitalisation of Southern Banc Company Inc (SRNN)?
The market capitalisation of Southern Banc Company Inc is $12.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Southern Banc Company Inc (SRNN)?
The price-to-sales ratio of Southern Banc Company Inc is 1.30 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Southern Banc Company Inc (SRNN)?
Earnings per share at Southern Banc Company Inc are $1.85 (price ÷ EPS = P/E 8.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Southern Banc Company Inc (SRNN)?
The net margin of Southern Banc Company Inc is 14.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Southern Banc Company Inc (SRNN)?
The return on equity (ROE) of Southern Banc Company Inc is 8.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Southern Banc Company Inc (SRNN)?
On an EBIT basis the return on assets of Southern Banc Company Inc is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Southern Banc Company Inc (SRNN)?
The operating margin of Southern Banc Company Inc is 24.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Southern Banc Company Inc (SRNN)?
Revenue at Southern Banc Company Inc is growing +21.4% versus a year earlier (3y avg +10.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Southern Banc Company Inc (SRNN)?
Earnings per share at Southern Banc Company Inc are growing +247% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Southern Banc Company Inc (SRNN) generate?
The free cash flow of Southern Banc Company Inc is $1.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Southern Banc Company Inc (SRNN) hold?
Southern Banc Company Inc holds more cash than debt, $19.2M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Nov 8, 2026