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The Southern Banc Company (SRNN) Fair Value & Analysis

Financial Services · US · Market cap $11.4M

Price$15.00
Fair Value$15.66
Upside+4.4%
Quality95/100
Evidence: High Range $11.74 – $19.57

Fair value as of: Jun 26, 2026

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Analysis

The Southern Banc Company (SRNN) currently trades at $15.00, while our model-based Fair Value estimate is $15.66 — implying the stock looks roughly 4.4% 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

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank company that provides various banking products and services in Alabama. 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.

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Frequently asked questions

Is The Southern Banc Company (SRNN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $15.66 versus a price of $15.00 — about +4% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SRNN?
Our 21-model fair value for The Southern Banc Company is $15.66 (as of Jun 26, 2026), built from audited fundamentals. The current price is $15.00.
What is the quality score of SRNN?
The Southern Banc Company 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.