SFCO (Southern Financial) Beta: -0.0162 (As of Jul. 04, 2026)


SFCO Southern Financial Corp SFCO
16 GF Score
Price $9.55
! 1 Warning Sign
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What is Southern Financial Beta?

Southern Financial SFCO 16 Beta is -0.0162 as of Jul. 04, 2026. GuruFocus rates SFCO with a GF Score™ of 16/100. The stock has 1 warning sign investors should review.

Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. As of today (2026-07-04), Southern Financial's Beta is -0.0162.

Southern Financial  (OTCPK:SFCO) Beta Explanation

Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole. We usually compare beta to 1. A beta of 1 indicates that the security's price will move with the market. A beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 indicates that the security's price will be more volatile than the market.

Beta is primarily used in the Capital Asset Pricing Model (CAPM) to calculate the Cost of Equity, which can be used in the calculation of WACC %. The formula of Cost of Equity is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)

Southern Financial Beta Related Terms

Southern Financial Beta Historical Data

* Premium members only.

The historical data trend for Southern Financial's Beta can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Southern Financial Beta Chart

Southern Financial Annual Data
Trend
Beta

Southern Financial Semi-Annual Data
Beta

SFCO vs PPAL, PCLB, CYSM: Beta Comparison

For the Banks - Regional subindustry, Southern Financial's Beta, along with its competitors' market caps and Beta data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Southern Financial Beta vs Banks Industry

For the Banks industry and Financial Services sector, Southern Financial's Beta distribution charts can be found below:

* The bar in red indicates where Southern Financial's Beta falls into.


SFCO
16GF Score
Southern Financial Corp SFCO
Beta is just one metric. See GF Score™, valuation, warning signs, and more.
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Southern Financial Beta Calculation

Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. A stock's beta can be calculated by dividing the product of the covariance of the individual stock's returns and the market's returns by the variance of the market's returns over a specified period. Basically, GuruFocus uses the returns calculated over three-year period.

Frequently Asked Questions Learn more about Beta →
What does a Beta of -0.0162 mean?
Southern Financial (SFCO) has a Beta of -0.0162 as of Jul. 04, 2026. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Southern Financial and its competitors.
Is Southern Financial's Beta too high?
Southern Financial's current Beta is -0.0162. Overall, Southern Financial has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Southern Financial's Beta compare to PPAL and PCLB?
Southern Financial's Beta of -0.0162 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beta for a Banks company?
A good Beta depends on the Banks industry context. However, Beta should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beta mean?
A high Beta can signal that a stock is expensive relative to its fundamentals. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Southern Financial and its competitors. Southern Financial's current Beta is -0.0162. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Financial stock overvalued right now?
Southern Financial (SFCO) has a current Beta of -0.0162. The current Beta is -0.0162. Southern Financial's overall GF Score™ is 16/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beta calculated?
Beta is calculated from a company's financial statements. For Southern Financial (SFCO), the current Beta is -0.0162 as of Jul. 04, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Southern Financial Business Description

Address 468 E. Main Street, Spartanburg, SC, USA, 29302
Southern Financial Corp is engaged in the business of accepting demand and savings deposits insured by the FDIC, and providing commercial, consumer and mortgage loans to its customers. The Bank operates under State of Georgia.
16GF Score

Get the complete analysis for SFCO

Beta is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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