SABK (South Atlantic Bancshares) Moat Score: 4/10 (As of Jun. 30, 2026)


SABK South Atlantic Bancshares Inc SABK
69 GF Score
Price $25.50
GF Value $19.36
Valuation Significantly Overvalued
! 7 Warning Signs
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What is South Atlantic Bancshares Moat Score?

South Atlantic Bancshares SABK 69 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates SABK with a GF Score™ of 69/100 and a GF Value™ of $19.36 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,614 Banks companies, South Atlantic Bancshares ranks better than 86.25% on this metric.

South Atlantic Bancshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

South Atlantic Bancshares has Narrow Moat: South Atlantic Bancshares has a modest moat due to its regional market presence and customer relationships. However, it lacks significant scale or cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes South Atlantic Bancshares might have Narrow Moat - Discernible but modest moat.

South Atlantic Bancshares  (OTCPK:SABK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

South Atlantic Bancshares Moat Score Related Terms

SABK vs RBKB, CSBB, CBFV: Moat Score Comparison

For the Banks - Regional subindustry, South Atlantic Bancshares's Moat Score, along with its competitors' market caps and Moat 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.

South Atlantic Bancshares Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, South Atlantic Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where South Atlantic Bancshares's Moat Score falls into.


SABK
69GF Score
South Atlantic Bancshares Inc SABK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
South Atlantic Bancshares (SABK) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, South Atlantic Bancshares ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is South Atlantic Bancshares' Moat Score too high?
South Atlantic Bancshares' current Moat Score is 4. Based on the distribution chart, South Atlantic Bancshares ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, South Atlantic Bancshares has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' Moat Score compare to RBKB and CSBB?
According to the Banks industry distribution chart, South Atlantic Bancshares ranks #222 out of 1614 companies for Moat Score. This places South Atlantic Bancshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. South Atlantic Bancshares's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Atlantic Bancshares stock overvalued right now?
Based on GuruFocus' analysis, South Atlantic Bancshares (SABK) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.36, compared to a current price of $25.50 — trading 31.7% above its estimated fair value. The current Moat Score is 4. South Atlantic Bancshares' overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For South Atlantic Bancshares (SABK), the current Moat Score is 4 as of Jun. 30, 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 South Atlantic Bancshares (SABK) Overvalued in 2026?

Based on GuruFocus' analysis, South Atlantic Bancshares stock appears to be overvalued. The current stock price of $25.50 is trading 31.7% above its estimated GF Value™ of $19.36. GuruFocus considers South Atlantic Bancshares to be Significantly Overvalued.

Key valuation signals for SABK:

  • Moat Score: 4
  • GF Value™: $19.36 vs. price of $25.50 (31.7% above fair value)
  • GF Score™: 69/100 with 7 warning signs

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

South Atlantic Bancshares Business Description

Address 630 29th Avenue North, Myrtle Beach, SC, USA, 29577
South Atlantic Bancshares Inc is A United States-based bank holding company. Through its banking subsidiary, it provides banking services to domestic markets, principally in Horry, Georgetown, Charleston, and Beaufort counties, South Carolina. Its financial products and service offerings include personal and business checking, savings, and money market accounts; residential mortgages, commercial loans, lines of credit; telephone and online banking, ATM services; and debit and credit cards, among others.
69GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.50
Price
$19.36
GF Value