SBNC (Southern Bancshares NC) EV-to-FCF: (As of Sep. 17, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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SBNC Southern Bancshares NC Inc SBNC
17 GF Score
Price $13,000.00
GF Value $6,691.44
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Southern Bancshares NC EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Southern Bancshares NC's Enterprise Value is $2,239.1 Mil. Southern Bancshares NC does not have enough years/quarters to calculate its Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate Southern Bancshares NC's EV-to-FCF at this moment.

The historical rank and industry rank for Southern Bancshares NC's EV-to-FCF or its related term are showing as below:

SBNC' s EV-to-FCF Range Over the Past 10 Years
Min: 29.84   Med: 45.96   Max: 63.46
Current: 32.74

During the past 6 years, the highest EV-to-FCF of Southern Bancshares NC was 63.46. The lowest was 29.84. And the median was 45.96.

SBNC's EV-to-FCF is ranked worse than
90.08% of 1179 companies
in the Banks industry
Industry Median: 7.33 vs SBNC: 32.74

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-17), Southern Bancshares NC's stock price is $13000.00. Southern Bancshares NC does not have enough years/quarters to calculate its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate Southern Bancshares NC's PE Ratio (TTM) at this moment.


Southern Bancshares NC  (OTCPK:SBNC) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Southern Bancshares NC's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=13000.00/
=

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Southern Bancshares NC EV-to-FCF Related Terms


Southern Bancshares NC EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Southern Bancshares NC's EV-to-FCF 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 Bancshares NC EV-to-FCF Chart

Southern Bancshares NC Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial 13.89 14.39 19.43 25.79 13.46

Southern Bancshares NC Quarterly Data
Dec25
EV-to-FCF 0.00

SBNC vs CPF, TRST, AGBK: EV-to-FCF Comparison

For the Banks - Regional subindustry, Southern Bancshares NC's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 Bancshares NC EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Southern Bancshares NC's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Southern Bancshares NC's EV-to-FCF falls into.


SBNC
17GF Score
Southern Bancshares NC Inc SBNC
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southern Bancshares NC EV-to-FCF Calculation

Southern Bancshares NC's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=2239.102/
=

Is Southern Bancshares NC (SBNC) Overvalued in 2026?

Based on GuruFocus' analysis, Southern Bancshares NC stock appears to be overvalued. The current stock price of $13,000.00 is trading 94.3% above its estimated GF Value™ of $6,691.44. GuruFocus considers Southern Bancshares NC to be Significantly Overvalued.

Key valuation signals for SBNC:

  • EV-to-FCF:
  • GF Value™: $6,691.44 vs. price of $13,000.00 (94.3% above fair value)
  • GF Score™: 17/100 with 6 warning signs

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


Southern Bancshares NC Business Description

Other Exchanges SBNCM.PFD:USA
Address 116 E. Main Street, PO Box 729, Mount Olive, NC, USA, 28365
Southern Bancshares NC Inc is a bank holding company that provides financial and banking services. The services include personal banking, business banking, and mortgage banking services including checking, savings, loans, and mortgage services. It operates 45 banking offices in eastern North Carolina and 10 banking offices in Virginia.
17GF Score

Get the complete analysis for SBNC

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

$13,000.00
Price
$6,691.44
GF Value