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Southern Bancshares NCSBNC 15 EV-to-FCF is 32.96 as of Jul. 30, 2026, which is 29% below its 10-year median of 46.21. GuruFocus rates SBNC with a GF Score™ of 15/100 and a GF Value™ of $6,572.41. The stock has 6 warning signs investors should review. Among 1,191 Banks companies, Southern Bancshares NC ranks worse than 89.92% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Southern Bancshares NC's Enterprise Value is $2,254.2 Mil.
Southern Bancshares NC's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $68.4 Mil. Therefore, Southern Bancshares NC's EV-to-FCF for today is 32.96.
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: 46.21 Max: 63.46
Current: 32.96
During the past 7 years, the highest EV-to-FCF of Southern Bancshares NC was 63.46. The lowest was 29.84. And the median was 46.21.
SBNC's EV-to-FCF is ranked worse than 89.92% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs SBNC: 32.96
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.
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:
Southern Bancshares NC's share price for today is $13200.01.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Southern Bancshares NC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $901.290.
* 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.
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.
* 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.
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.
Southern Bancshares NC's current Enterprise Value is $2,254.2 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Southern Bancshares NC's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $68.4 Mil.
* 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 (SBNC) has a EV-to-FCF of 32.96 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Southern Bancshares NC and its competitors. This is 29% below median its historical median of 46.21. Over the past decade, Southern Bancshares NC's EV-to-FCF has ranged from 29.84 to 63.46. According to the industry distribution chart, Southern Bancshares NC ranks #1071 out of 1191 companies in the Banks industry, placing it in the top 89.9%.
Is Southern Bancshares NC's EV-to-FCF too high?
Southern Bancshares NC's current EV-to-FCF of 32.96 is 29% below median its 10-year median of 46.21. Over the past 10 years, this metric has ranged from a low of 29.84 to a high of 63.46. The Banks industry median EV-to-FCF is 7.24. Southern Bancshares NC's value of 32.96 is 355.2% above this industry median. Based on the distribution chart, Southern Bancshares NC ranks #1071 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southern Bancshares NC has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Southern Bancshares NC's EV-to-FCF compare to MPB and CAC?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #1071 out of 1191 companies for EV-to-FCF. This places Southern Bancshares NC in the lower half of its industry. The industry median EV-to-FCF is 7.24. Southern Bancshares NC's value of 32.96 is 355.2% above this benchmark. Historically, Southern Bancshares NC's own EV-to-FCF has ranged from 29.84 to 63.46 over the past decade. While the company's 10-year median is 46.21 vs. the industry median of 7.24, Southern Bancshares NC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Bancshares NC's current EV-to-FCF of 32.96 is 355.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current EV-to-FCF is 32.96, which is 29% below median its own 10-year median of 46.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Bancshares NC stock overvalued right now?
Southern Bancshares NC (SBNC) has a current EV-to-FCF of 32.96. The stock's GF Value™ is $6,572.41, compared to a current price of $13,200.01 — trading 100.8% above its estimated fair value. The current EV-to-FCF is 32.96, which is 29% below median its 10-year median of 46.21 and 355.2% above the Banks industry median of 7.24. Southern Bancshares NC's overall GF Score™ is 15/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Southern Bancshares NC (SBNC), the current EV-to-FCF is 32.96 as of Jul. 30, 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 Bancshares NC (SBNC) Overvalued in 2026?
Based on GuruFocus' analysis, Southern Bancshares NC stock appears to be overvalued.
The current stock price of $13,200.01 is trading 100.8% above its estimated GF Value™ of $6,572.41.
Key valuation signals for SBNC:
EV-to-FCF: 32.96 (29% below median its 10-year median of 46.21)
GF Value™: $6,572.41 vs. price of $13,200.01 (100.8% above fair value)
Industry Position: 355.2% above the Banks median (#1071 of 1191)
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 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.
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