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* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Bancshares NC's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Southern Bancshares NC's FCF Margin % falls into.
* 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 FCF Margin % of 0.00% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southern Bancshares NC and its competitors. Over the past decade, Southern Bancshares NC's FCF Margin % has ranged from 11.07 to 42.57. According to the industry distribution chart, Southern Bancshares NC ranks #829 out of 1524 companies in the Banks industry, placing it in the top 54.4%.
Is Southern Bancshares NC's FCF Margin % too high?
Southern Bancshares NC's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 11.07 to a high of 42.57. Based on the distribution chart, Southern Bancshares NC ranks #829 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Southern Bancshares NC has a GF Score™ of 17/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Bancshares NC's FCF Margin % compare to CPF and TRST?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #829 out of 1524 companies for FCF Margin %. This places Southern Bancshares NC in the lower half of its industry. The industry median FCF Margin % is 28.94. Historically, Southern Bancshares NC's own FCF Margin % has ranged from 11.07 to 42.57 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 28.94, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median FCF Margin % is 28.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current FCF Margin % is 0.00%. 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?
Based on GuruFocus' analysis, Southern Bancshares NC (SBNC) is currently considered Significantly Overvalued. The stock's GF Value™ is $6,691.44, compared to a current price of $13,000.00 — trading 94.3% above its estimated fair value. The current FCF Margin % is 0.00%. Southern Bancshares NC's overall GF Score™ is 17/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Southern Bancshares NC (SBNC), the current FCF Margin % is 0.00% as of Dec. 2025. 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 $13,000.00 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:
FCF Margin %: 0.00%
GF Value™: $6,691.44 vs. price of $13,000.00 (94.3% above fair value)
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.
17GF Score
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