Southpoint BancsharesSOUB 53 Piotroski F-Score is 3 as of Jun. 29, 2026, which is 25% below its 10-year median of 4.00. GuruFocus rates SOUB with a GF Score™ of 53/100 and a GF Value™ of $28.54 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,501 Banks companies, Southpoint Bancshares ranks worse than 88.41% on this metric.
Warning Sign:
Piotroski F-Score of 3 is low, which usually implies poor business operation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Southpoint Bancshares has an F-score of 3. It is a bad or low score, which usually implies poor business operation.
The historical rank and industry rank for Southpoint Bancshares's Piotroski F-Score or its related term are showing as below:
SOUB'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 4 Max: 6
Current: 3
During the past 9 years, the highest Piotroski F-Score of Southpoint Bancshares was 6. The lowest was 3. And the median was 4.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Southpoint Bancshares Piotroski F-Score Related Terms
Southpoint Bancshares Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Southpoint Bancshares's Piotroski F-Score 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.
SOUB vs TMAK, ESBS, SCYT: Piotroski F-Score Comparison
For the Banks - Regional subindustry, Southpoint Bancshares's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Southpoint Bancshares Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Southpoint Bancshares's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Southpoint Bancshares's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Southpoint Bancshares's current Net Income (TTM) was -10.45.
==> Negative ==> Score 0.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Southpoint Bancshares's current Cash Flow from Operations (TTM) was 29.19.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Southpoint Bancshares's return on assets of this year was -0.00593049. Southpoint Bancshares's return on assets of last year was -0.00563895.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Southpoint Bancshares's gearing of this year was 0.02033035. Southpoint Bancshares's gearing of last year was 0.01967507.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Southpoint Bancshares's current ratio of this year was 1.05702712. Southpoint Bancshares's current ratio of last year was 1.05554703.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Southpoint Bancshares's number of shares in issue this year was 2.971. Southpoint Bancshares's number of shares in issue last year was 2.902.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Southpoint Bancshares's net margin of this year was -0.17462599. Southpoint Bancshares's net margin of last year was -0.14990786.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Southpoint Bancshares's asset turnover of this year was 0.03396109. Southpoint Bancshares's asset turnover of last year was 0.0376161.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
0
+
1
+
0
+
1
+
0
+
1
+
0
+
0
+
0
=
3
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Southpoint Bancshares has an F-score of 3. It is a bad or low score, which usually implies poor business operation.
Southpoint Bancshares (SOUB) has a Piotroski F-Score of 3 as of Jun. 29, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Southpoint Bancshares and its competitors. This is 25% below median its historical median of 4.00. Over the past decade, Southpoint Bancshares' Piotroski F-Score has ranged from 3.00 to 6.00. According to the industry distribution chart, Southpoint Bancshares ranks #1327 out of 1501 companies in the Banks industry, placing it in the top 88.4%.
Is Southpoint Bancshares' Piotroski F-Score too high?
Southpoint Bancshares' current Piotroski F-Score of 3 is 25% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 6.00. The Banks industry median Piotroski F-Score is 6.00. Southpoint Bancshares' value of 3 is 50% below this industry median. Based on the distribution chart, Southpoint Bancshares ranks #1327 out of 1501 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southpoint Bancshares has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Southpoint Bancshares' Piotroski F-Score compare to TMAK and ESBS?
According to the Banks industry distribution chart, Southpoint Bancshares ranks #1327 out of 1501 companies for Piotroski F-Score. This places Southpoint Bancshares in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Southpoint Bancshares' value of 3 is 50% below this benchmark. Historically, Southpoint Bancshares' own Piotroski F-Score has ranged from 3.00 to 6.00 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 6.00, Southpoint Bancshares has consistently been below 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southpoint Bancshares's current Piotroski F-Score of 3 is 50% below 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Southpoint Bancshares and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southpoint Bancshares's current Piotroski F-Score is 3, which is 25% below median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southpoint Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southpoint Bancshares (SOUB) is currently considered Possible Value Trap. The stock's GF Value™ is $28.54, compared to a current price of $14.11 — trading 50.6% below its estimated fair value. The current Piotroski F-Score is 3, which is 25% below median its 10-year median of 4.00 and 50% below the Banks industry median of 6.00. Southpoint Bancshares' overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Southpoint Bancshares (SOUB), the current Piotroski F-Score is 3 as of Jun. 29, 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 Southpoint Bancshares (SOUB) Overvalued in 2026?
Based on GuruFocus' analysis, Southpoint Bancshares stock appears to be undervalued.
The current stock price of $14.11 is trading 50.6% below its estimated GF Value™ of $28.54.
GuruFocus considers Southpoint Bancshares to be Possible Value Trap.
Key valuation signals for SOUB:
Piotroski F-Score: 3 (25% below median its 10-year median of 4.00)
GF Value™: $28.54 vs. price of $14.11 (50.6% below fair value)
Industry Position: 50% below the Banks median (#1327 of 1501)
No single metric tells the full story. See the SOUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southpoint Bancshares Inc operates mainly in the domestic commercial banking industry. Through its banking subsidiary, it provides full-service banking to customers mainly located in central Alabama, which predominantly includes offering different types of deposit products and granting commercial, real estate, and consumer loans to customers. These banking products and services are offered through several branch locations in central Alabama and loan production offices located throughout the State of Alabama.
53GF Score
Get the complete analysis for SOUB
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SOUB has been successfully added to your 
