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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Southpoint Bancshares's Total Liabilities for the quarter that ended in Jun. 2026 was $1,284.84 Mil. Southpoint Bancshares's Total Assets for the quarter that ended in Jun. 2026 was $1,356.78 Mil.
Therefore, Southpoint Bancshares's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.95.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Southpoint Bancshares Liabilities-to-Assets Related Terms
Southpoint Bancshares Liabilities-to-Assets Historical Data
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The historical data trend for Southpoint Bancshares's Liabilities-to-Assets 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 CYSM, TMAK, HFBA: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Southpoint Bancshares's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Southpoint Bancshares's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Southpoint Bancshares's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Southpoint Bancshares's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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.
Southpoint Bancshares (SOUB) has a Liabilities-to-Assets of 0.95 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Southpoint Bancshares and its competitors.
Is Southpoint Bancshares' Liabilities-to-Assets too high?
Southpoint Bancshares' current Liabilities-to-Assets is 0.95. Overall, Southpoint Bancshares has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Southpoint Bancshares' Liabilities-to-Assets compare to CYSM and TMAK?
Southpoint Bancshares' Liabilities-to-Assets of 0.95 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Southpoint Bancshares and its competitors. Southpoint Bancshares's current Liabilities-to-Assets is 0.95. 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 $25.43, compared to a current price of $11.35 — trading 55.4% below its estimated fair value. The current Liabilities-to-Assets is 0.95. Southpoint Bancshares' overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Southpoint Bancshares (SOUB), the current Liabilities-to-Assets is 0.95 as of Jun. 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 $11.35 is trading 55.4% below its estimated GF Value™ of $25.43.
GuruFocus considers Southpoint Bancshares to be Possible Value Trap.
Key valuation signals for SOUB:
Liabilities-to-Assets: 0.95
GF Value™: $25.43 vs. price of $11.35 (55.4% below fair value)
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.
58GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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