SOUB (Southpoint Bancshares) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Southpoint Bancshares LT-Debt-to-Total-Asset?

Southpoint Bancshares SOUB 53 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Southpoint Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Southpoint Bancshares's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Southpoint Bancshares is progressively becoming more dependent on debt to grow their business.

Southpoint Bancshares (OTCPK:SOUB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Southpoint Bancshares LT-Debt-to-Total-Asset Related Terms

Southpoint Bancshares LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Southpoint Bancshares's LT-Debt-to-Total-Asset 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.

Southpoint Bancshares LT-Debt-to-Total-Asset Chart

Southpoint Bancshares Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.12

0.26

0.10

0.02

Southpoint Bancshares Quarterly Data
	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial											0.02	0.02	0.02	0.02	0.02

53GF Score

Southpoint Bancshares Inc SOUB

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Southpoint Bancshares LT-Debt-to-Total-Asset Calculation

Southpoint Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	33.804	/	1563.897
	=	0.02

Southpoint Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	33.842	/	1443.9
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Southpoint Bancshares (SOUB) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Southpoint Bancshares and its competitors.

Is Southpoint Bancshares' LT-Debt-to-Total-Asset too high?

Southpoint Bancshares' current LT-Debt-to-Total-Asset is 0.02. 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' LT-Debt-to-Total-Asset compare to TMAK and ESBS?

Southpoint Bancshares' LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Southpoint Bancshares and its competitors. Southpoint Bancshares's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Southpoint Bancshares (SOUB), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 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:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $28.54 vs. price of $14.11 (50.6% below fair value)
GF Score™: 53/100 with 3 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies TMAK ESBS SCYT HCBC PNBI QNTO CYSM KFFB ANDC FMFP SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 3501 Grandview Parkway, Birmingham, AL, USA, 35243

Website https://www.southpoint.bank

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

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$14.11

Price

$28.54

GF Value

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