SRNN (Southern Banc Co) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SRNN Southern Banc Co Inc SRNN
64 GF Score
Price $17.15
GF Value $14.40
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Southern Banc Co LT-Debt-to-Total-Asset?

Southern Banc Co SRNN 64 LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus rates SRNN with a GF Score™ of 64/100 and a GF Value™ of $14.40 (Modestly Overvalued). The stock has 5 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. Southern Banc Co's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

Southern Banc Co's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.00) to Mar. 2026 (0.00).

Southern Banc Co  (OTCPK:SRNN) 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.

Southern Banc Co LT-Debt-to-Total-Asset Related Terms

Southern Banc Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Southern Banc Co'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.

Southern Banc Co LT-Debt-to-Total-Asset Chart

Southern Banc Co Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.02 0.00 0.00 0.00

Southern Banc Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
SRNN
64GF Score
Southern Banc Co Inc SRNN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southern Banc Co LT-Debt-to-Total-Asset Calculation

Southern Banc Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )/Total Assets (A: Jun. 2025 )
=0.241/124.036
=0.00

Southern Banc Co'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 )
=0/127.559
=0.00

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.00 mean?
Southern Banc Co (SRNN) has a LT-Debt-to-Total-Asset of 0.00 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 Southern Banc Co and its competitors.
Is Southern Banc Co's LT-Debt-to-Total-Asset too high?
Southern Banc Co's current LT-Debt-to-Total-Asset is 0.00. Overall, Southern Banc Co has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Banc Co's LT-Debt-to-Total-Asset compare to SMAL and GLBZ?
Southern Banc Co's LT-Debt-to-Total-Asset of 0.00 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 Southern Banc Co and its competitors. Southern Banc Co's current LT-Debt-to-Total-Asset 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 Banc Co stock overvalued right now?
Based on GuruFocus' analysis, Southern Banc Co (SRNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.40, compared to a current price of $17.15 — trading 19.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. Southern Banc Co's overall GF Score™ is 64/100 with 5 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 Southern Banc Co (SRNN), the current LT-Debt-to-Total-Asset is 0.00 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 Southern Banc Co (SRNN) Overvalued in 2026?

Based on GuruFocus' analysis, Southern Banc Co stock appears to be overvalued. The current stock price of $17.15 is trading 19.1% above its estimated GF Value™ of $14.40. GuruFocus considers Southern Banc Co to be Modestly Overvalued.

Key valuation signals for SRNN:

  • LT-Debt-to-Total-Asset: 0.00
  • GF Value™: $14.40 vs. price of $17.15 (19.1% above fair value)
  • GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the SRNN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Southern Banc Co Business Description

Address 221 South 6th Street, Gadsden, AL, USA, 35901
Southern Banc Co Inc provides personal and business banking solutions. It offers banking solution for every personal banking need including Personal Checking, Mortgage Loans, Consumer Loans, and Home Equity Lines of Credit. The principal business of the Bank consists of accepting deposits from the general public through the Bank's main and branch offices and investing those funds in loans secured by real estate properties, commercial and consumer loans located in the Bank's primary market area, and factoring. The company serves small and medium-sized business customers the United States.
64GF Score

Get the complete analysis for SRNN

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.15
Price
$14.40
GF Value