SBNCM.PFD (Southern Bancshares NC) Net Margin %: 34.36% (As of Dec. 2025) — Near Median

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What is Southern Bancshares NC Net Margin %?

Southern Bancshares NC SBNCM.PFD Net Margin % is 34.36% as of Dec. 2025, which is 8% below its 10-year median of 37.25. The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Southern Bancshares NC ranks better than 73.67% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Southern Bancshares NC's Net Income for the six months ended in Dec. 2025 was $68.28 Mil. Southern Bancshares NC's Revenue for the six months ended in Dec. 2025 was $198.71 Mil. Therefore, Southern Bancshares NC's net margin for the quarter that ended in Dec. 2025 was 34.36%.

The historical rank and industry rank for Southern Bancshares NC's Net Margin % or its related term are showing as below:

SBNCM.PFD' s Net Margin % Range Over the Past 10 Years
Min: 21.19   Med: 37.25   Max: 51.99
Current: 34.36

SBNCM.PFD's Net Margin % is ranked better than
73.67% of 1527 companies
in the Banks industry
Industry Median: 26.87 vs SBNCM.PFD: 34.36

Southern Bancshares NC  (OTCPK:SBNCM.PFD) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Southern Bancshares NC Net Margin % Related Terms

Southern Bancshares NC Net Margin % Historical Data

* Premium members only.

The historical data trend for Southern Bancshares NC's Net Margin % 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 Bancshares NC Net Margin % Chart

Southern Bancshares NC Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial 46.13 21.19 51.99 51.84 34.36

Southern Bancshares NC Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin % Get a 7-Day Free Trial 46.13 21.19 51.99 51.84 34.36

SBNCM.PFD vs NBBK, THFF, CAC: Net Margin % Comparison

For the Banks - Regional subindustry, Southern Bancshares NC's Net Margin %, along with its competitors' market caps and Net Margin % 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.

Southern Bancshares NC Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Southern Bancshares NC's Net Margin % distribution charts can be found below:

* The bar in red indicates where Southern Bancshares NC's Net Margin % falls into.


Southern Bancshares NC Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Southern Bancshares NC's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=68.275/198.706
=34.36 %

Southern Bancshares NC's Net Margin for the quarter that ended in Dec. 2025 is calculated as

Net Margin=Net Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=68.275/198.706
=34.36 %

* 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 Net Margin % →
What does a Net Margin % of 34.36% mean?
Southern Bancshares NC (SBNCM.PFD) has a Net Margin % of 34.36% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Southern Bancshares NC and its competitors. This is near median its historical median of 37.25. Over the past decade, Southern Bancshares NC's Net Margin % has ranged from 21.19 to 51.99. According to the industry distribution chart, Southern Bancshares NC ranks #402 out of 1527 companies in the Banks industry, placing it in the top 26.3%.
Is Southern Bancshares NC's Net Margin % too high?
Southern Bancshares NC's current Net Margin % of 34.36% is near median its 10-year median of 37.25. Over the past 10 years, this metric has ranged from a low of 21.19 to a high of 51.99. The Banks industry median Net Margin % is 26.87. Southern Bancshares NC's value of 34.36% is 27.9% above this industry median. Based on the distribution chart, Southern Bancshares NC ranks #402 out of 1527 companies in the Banks industry, which is above the industry midpoint.
How does Southern Bancshares NC's Net Margin % compare to NBBK and THFF?
According to the Banks industry distribution chart, Southern Bancshares NC ranks #402 out of 1527 companies for Net Margin %. This puts Southern Bancshares NC in the upper half of its industry. The industry median Net Margin % is 26.87. Southern Bancshares NC's value of 34.36% is 27.9% above this benchmark. Historically, Southern Bancshares NC's own Net Margin % has ranged from 21.19 to 51.99 over the past decade. While the company's 10-year median is 37.25 vs. the industry median of 26.87, Southern Bancshares NC has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.87, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern Bancshares NC's current Net Margin % of 34.36% is 27.9% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Southern Bancshares NC and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Bancshares NC's current Net Margin % is 34.36%, which is near median its own 10-year median of 37.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Bancshares NC stock overvalued right now?
Southern Bancshares NC (SBNCM.PFD) has a current Net Margin % of 34.36%. The current Net Margin % is 34.36%, which is near median its 10-year median of 37.25 and 27.9% above the Banks industry median of 26.87. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Southern Bancshares NC (SBNCM.PFD), the current Net Margin % is 34.36% as of Dec. 2025. 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.

Southern Bancshares NC Business Description

Other Exchanges SBNC:USA
Address 116 E. Main Street, PO Box 729, Mount Olive, NC, USA, 28365
Southern Bancshares NC Inc is a bank holding company that provides financial and banking services. The services include personal banking, business banking, and mortgage banking services including checking, savings, loans, and mortgage services. It operates 45 banking offices in eastern North Carolina and 10 banking offices in Virginia.