SRNN (Southern Banc Co) E10: $0.84 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SRNN Southern Banc Co Inc SRNN
65 GF Score
Price $17.15
GF Value $14.40
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Southern Banc Co E10?

Southern Banc Co SRNN +0.88% 65 E10 is $0.84 as of Mar. 2026. GuruFocus rates SRNN with a GF Score™ of 65/100 and a GF Value™ of $14.40 (Modestly Overvalued). The stock has 5 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.

Southern Banc Co's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.480. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.84 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Southern Banc Co's average E10 Growth Rate was 31.30% 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.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Southern Banc Co was 30.70% per year. The lowest was -66.70% per year. And the median was 1.00% per year.

As of today (2026-09-01), Southern Banc Co's current stock price is $17.15. Southern Banc Co's E10 for the quarter that ended in Mar. 2026 was $0.84. Southern Banc Co's Shiller PE Ratio of today is 20.42.

During the past 13 years, the highest Shiller PE Ratio of Southern Banc Co was 750.00. The lowest was 12.73. And the median was 25.00.


Southern Banc Co  (OTCPK:SRNN) 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.

Southern Banc Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=17.15/0.84
=20.42

* 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 Southern Banc Co was 750.00. The lowest was 12.73. And the median was 25.00.


Be Aware

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


Southern Banc Co E10 Related Terms


Southern Banc Co E10 Historical Data

* Premium members only.

The historical data trend for Southern Banc Co'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.

Southern Banc Co E10 Chart

Southern Banc Co Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.39 -0.17 0.21 0.47 0.68

Southern Banc Co 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 0.64 0.68 0.72 0.79 0.84

SRNN vs SMAL, GLBZ, ASCN: E10 Comparison

For the Banks - Regional subindustry, Southern Banc Co'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.


Southern Banc Co Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Southern Banc Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Southern Banc Co's Shiller PE Ratio falls into.


SRNN
65GF Score
Southern Banc Co Inc SRNN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southern Banc Co 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, Southern Banc Co'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)
=0.48/330.2130*330.2130
=0.480

Current CPI (Mar. 2026) = 330.2130.

Southern Banc Co Quarterly Data

per share eps CPI Adj_EPS
201606 -1.610 241.018 -2.206
201609 -0.140 241.428 -0.191
201612 -0.230 241.432 -0.315
201703 -0.080 243.801 -0.108
201706 -0.580 244.955 -0.782
201709 -0.230 246.819 -0.308
201712 -0.730 246.524 -0.978
201803 0.150 249.554 0.198
201806 0.080 251.989 0.105
201809 0.160 252.439 0.209
201812 0.170 251.233 0.223
201903 0.140 254.202 0.182
201906 0.120 256.143 0.155
201909 0.160 256.759 0.206
201912 0.100 256.974 0.129
202003 0.100 258.115 0.128
202006 0.050 257.797 0.064
202009 0.040 260.280 0.051
202012 0.180 260.474 0.228
202103 0.180 264.877 0.224
202106 0.220 271.696 0.267
202109 0.320 274.310 0.385
202112 0.600 278.802 0.711
202203 0.620 287.504 0.712
202206 0.750 296.311 0.836
202209 0.810 296.808 0.901
202212 0.800 296.797 0.890
202303 0.600 301.836 0.656
202306 1.020 305.109 1.104
202309 0.480 307.789 0.515
202312 0.610 306.746 0.657
202403 0.440 312.332 0.465
202406 0.550 314.175 0.578
202409 0.230 315.301 0.241
202412 0.480 315.605 0.502
202503 0.300 319.799 0.310
202506 0.180 322.561 0.184
202509 0.250 324.800 0.254
202512 0.490 324.054 0.499
202603 0.480 330.213 0.480

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 $0.84 mean?
Southern Banc Co (SRNN) has a E10 of $0.84 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Southern Banc Co and its competitors.
Is Southern Banc Co's E10 too high?
Southern Banc Co's current E10 is $0.84. Overall, Southern Banc Co has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Banc Co's E10 compare to SMAL and GLBZ?
Southern Banc Co's E10 of $0.84 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 Southern Banc Co and its competitors. Southern Banc Co's current E10 is $0.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Banc Co stock overvalued right now?
Based on GuruFocus' analysis, Southern Banc Co (SRNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.40, compared to a current price of $17.15 — trading 19.1% above its estimated fair value. The current E10 is $0.84. Southern Banc Co's overall GF Score™ is 65/100 with 5 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 Southern Banc Co (SRNN), the current E10 is $0.84 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 Southern Banc Co (SRNN) Overvalued in 2026?

Based on GuruFocus' analysis, Southern Banc Co stock appears to be overvalued. The current stock price of $17.15 is trading 19.1% above its estimated GF Value™ of $14.40. GuruFocus considers Southern Banc Co to be Modestly Overvalued.

Key valuation signals for SRNN:

  • E10: $0.84
  • GF Value™: $14.40 vs. price of $17.15 (19.1% above fair value)
  • GF Score™: 65/100 with 5 warning signs

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


Southern Banc Co Business Description

Address 221 South 6th Street, Gadsden, AL, USA, 35901
Southern Banc Co Inc provides personal and business banking solutions. It offers banking solution for every personal banking need including Personal Checking, Mortgage Loans, Consumer Loans, and Home Equity Lines of Credit. The principal business of the Bank consists of accepting deposits from the general public through the Bank's main and branch offices and investing those funds in loans secured by real estate properties, commercial and consumer loans located in the Bank's primary market area, and factoring. The company serves small and medium-sized business customers the United States.
65GF Score

Get the complete analysis for SRNN

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

$17.15
Price
$14.40
GF Value