SBNCM.PFD (Southern Bancshares NC) FCF Margin %: 34.42% (As of Dec. 2025) — 103% Above Median

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What is Southern Bancshares NC FCF Margin %?

Southern Bancshares NC SBNCM.PFD FCF Margin % is 34.42% as of Dec. 2025, which is 103% above its 10-year median of 16.97. The stock has 6 warning signs investors should review. Among 1,504 Banks companies, Southern Bancshares NC ranks better than 62.9% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Southern Bancshares NC's Free Cash Flow for the six months ended in Dec. 2025 was $68.39 Mil. Southern Bancshares NC's Revenue for the six months ended in Dec. 2025 was $198.71 Mil. Therefore, Southern Bancshares NC's FCF Margin % for the quarter that ended in Dec. 2025 was 34.42%.

As of today, Southern Bancshares NC's current FCF Yield % is 7.21%.

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


During the past 7 years, the highest FCF Margin % of Southern Bancshares NC was 42.57%. The lowest was 11.07%. And the median was 16.97%.

SBNCM.PFD's FCF Margin % is not ranked *
in the Banks industry.
Industry Median: 26.56
* Ranked among companies with meaningful FCF Margin % only.

Southern Bancshares NC FCF Margin % Related Terms

Southern Bancshares NC FCF Margin % Historical Data

* Premium members only.

The historical data trend for Southern Bancshares NC's FCF Margin % 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 FCF Margin % Chart

Southern Bancshares NC Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial 23.95 42.57 13.53 11.07 34.42

Southern Bancshares NC Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin % Get a 7-Day Free Trial 23.95 42.57 13.53 11.07 34.42

SBNCM.PFD vs NBBK, THFF, CAC: FCF Margin % Comparison

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.


Southern Bancshares NC FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Southern Bancshares NC's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=68.394/198.706
=34.42 %

Southern Bancshares NC's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=68.394/198.706
=34.42 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 34.42% mean?
Southern Bancshares NC (SBNCM.PFD) has a FCF Margin % of 34.42% 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. This is 103% above median its historical median of 16.97. 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 #558 out of 1504 companies in the Banks industry, placing it in the top 37.1%.
Is Southern Bancshares NC's FCF Margin % too high?
Southern Bancshares NC's current FCF Margin % of 34.42% is 103% above median its 10-year median of 16.97. Over the past 10 years, this metric has ranged from a low of 11.07 to a high of 42.57. The Banks industry median FCF Margin % is 26.56. Southern Bancshares NC's value of 34.42% is 29.6% above this industry median. Based on the distribution chart, Southern Bancshares NC ranks #558 out of 1504 companies in the Banks industry, which is above the industry midpoint.
How does Southern Bancshares NC's FCF Margin % compare to NBBK and THFF?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #558 out of 1504 companies for FCF Margin %. This puts Southern Bancshares NC in the upper half of its industry. The industry median FCF Margin % is 26.56. Southern Bancshares NC's value of 34.42% is 29.6% above this benchmark. Historically, Southern Bancshares NC's own FCF Margin % has ranged from 11.07 to 42.57 over the past decade. While the company's 10-year median is 16.97 vs. the industry median of 26.56, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.56, based on 1,504 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. Southern Bancshares NC's current FCF Margin % of 34.42% is 29.6% 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 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 26.56 — 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 34.42%, which is 103% above median its own 10-year median of 16.97. 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 (SBNCM.PFD) has a current FCF Margin % of 34.42%. The current FCF Margin % is 34.42%, which is 103% above median its 10-year median of 16.97 and 29.6% above the Banks industry median of 26.56. 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 (SBNCM.PFD), the current FCF Margin % is 34.42% 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.

Southern Bancshares NC Business Description

Other Exchanges SBNC: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.