SABK (South Atlantic Bancshares) E10: $1.34 (As of Mar. 2026)


SABK South Atlantic Bancshares Inc SABK
69 GF Score
Price $25.50
GF Value $19.36
Valuation Significantly Overvalued
! 7 Warning Signs
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What is South Atlantic Bancshares E10?

South Atlantic Bancshares SABK +0.04% 69 E10 is $1.34 as of Mar. 2026. GuruFocus rates SABK with a GF Score™ of 69/100 and a GF Value™ of $19.36 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

South Atlantic Bancshares's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.580. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.34 for the trailing ten years ended in Mar. 2026.

During the past 12 months, South Atlantic Bancshares's average E10 Growth Rate was 17.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-06-29), South Atlantic Bancshares's current stock price is $25.50. South Atlantic Bancshares's E10 for the quarter that ended in Mar. 2026 was $1.34. South Atlantic Bancshares's Shiller PE Ratio of today is 19.03.

During the past 13 years, the highest Shiller PE Ratio of South Atlantic Bancshares was 19.44. The lowest was 11.47. And the median was 14.05.


South Atlantic Bancshares  (OTCPK:SABK) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

South Atlantic Bancshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=25.50/1.34
=19.03

* 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.

During the past 13 years, the highest Shiller P/E Ratio of South Atlantic Bancshares was 19.44. The lowest was 11.47. And the median was 14.05.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


South Atlantic Bancshares E10 Related Terms


South Atlantic Bancshares E10 Historical Data

* Premium members only.

The historical data trend for South Atlantic Bancshares's E10 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.

South Atlantic Bancshares E10 Chart

South Atlantic Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 1.11 1.27

South Atlantic Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.14 1.18 1.23 1.27 1.34

SABK vs RBKB, CSBB, CBFV: E10 Comparison

For the Banks - Regional subindustry, South Atlantic Bancshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


South Atlantic Bancshares Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, South Atlantic Bancshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where South Atlantic Bancshares's Shiller PE Ratio falls into.


SABK
69GF Score
South Atlantic Bancshares Inc SABK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

South Atlantic Bancshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, South Atlantic Bancshares's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.58/330.2130*330.2130
=0.580

Current CPI (Mar. 2026) = 330.2130.

South Atlantic Bancshares Quarterly Data

per share eps CPI Adj_EPS
201606 0.100 241.018 0.137
201609 0.136 241.428 0.186
201612 0.156 241.432 0.213
201703 0.100 243.801 0.135
201706 0.170 244.955 0.229
201709 0.180 246.819 0.241
201712 0.000 246.524 0.000
201803 0.130 249.554 0.172
201806 -0.010 251.989 -0.013
201809 0.180 252.439 0.235
201812 0.180 251.233 0.237
201903 0.170 254.202 0.221
201906 0.240 256.143 0.309
201909 0.220 256.759 0.283
201912 0.170 256.974 0.218
202003 0.170 258.115 0.217
202006 0.280 257.797 0.359
202009 0.260 260.280 0.330
202012 0.240 260.474 0.304
202103 0.460 264.877 0.573
202106 0.320 271.696 0.389
202109 0.340 274.310 0.409
202112 0.290 278.802 0.343
202203 0.260 287.504 0.299
202206 0.330 296.311 0.368
202209 0.470 296.808 0.523
202212 0.520 296.797 0.579
202303 0.410 301.836 0.449
202306 0.330 305.109 0.357
202309 0.290 307.789 0.311
202312 0.290 306.746 0.312
202403 0.260 312.332 0.275
202406 0.300 314.175 0.315
202409 0.340 315.301 0.356
202412 0.410 315.605 0.429
202503 0.430 319.799 0.444
202506 0.480 322.561 0.491
202509 0.570 324.800 0.579
202512 0.620 324.054 0.632
202603 0.580 330.213 0.580

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.34 mean?
South Atlantic Bancshares (SABK) has a E10 of $1.34 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on South Atlantic Bancshares and its competitors.
Is South Atlantic Bancshares' E10 too high?
South Atlantic Bancshares' current E10 is $1.34. Overall, South Atlantic Bancshares has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' E10 compare to RBKB and CSBB?
South Atlantic Bancshares' E10 of $1.34 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on South Atlantic Bancshares and its competitors. South Atlantic Bancshares's current E10 is $1.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Atlantic Bancshares stock overvalued right now?
Based on GuruFocus' analysis, South Atlantic Bancshares (SABK) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.36, compared to a current price of $25.50 — trading 31.7% above its estimated fair value. The current E10 is $1.34. South Atlantic Bancshares' overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For South Atlantic Bancshares (SABK), the current E10 is $1.34 as of Mar. 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.

Is South Atlantic Bancshares (SABK) Overvalued in 2026?

Based on GuruFocus' analysis, South Atlantic Bancshares stock appears to be overvalued. The current stock price of $25.50 is trading 31.7% above its estimated GF Value™ of $19.36. GuruFocus considers South Atlantic Bancshares to be Significantly Overvalued.

Key valuation signals for SABK:

  • E10: $1.34
  • GF Value™: $19.36 vs. price of $25.50 (31.7% above fair value)
  • GF Score™: 69/100 with 7 warning signs

No single metric tells the full story. See the SABK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


South Atlantic Bancshares Business Description

Address 630 29th Avenue North, Myrtle Beach, SC, USA, 29577
South Atlantic Bancshares Inc is A United States-based bank holding company. Through its banking subsidiary, it provides banking services to domestic markets, principally in Horry, Georgetown, Charleston, and Beaufort counties, South Carolina. Its financial products and service offerings include personal and business checking, savings, and money market accounts; residential mortgages, commercial loans, lines of credit; telephone and online banking, ATM services; and debit and credit cards, among others.
69GF Score

Get the complete analysis for SABK

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
Price
$19.36
GF Value